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Can you still get compensation for non-catastrophic injuries?
Even a simple broken arm seems catastrophic when it impacts your well-being and ability to earn. However, insurance companies and even courts might not share the opinion that your injury is catastrophic. Rest assured that you can get the settlement you deserve even when those…
What qualifies as a short-term disability (STD)?
Many employers offer short-term disability (STD), a type of insurance that pays a portion of an employee’s salary when they are temporarily unable to work. STD benefits are payable at about 50%-100% of someone’s pre-disability earnings. These benefits are either covered by an employer or…
3 signs a disability insurance company deceived you
If you have taken out disability insurance coverage on your own, you will need to work directly with the insurer. This includes obtaining information about the policies and paying premiums. Individual disability insurance can supplement a plan you get through work. It’s also essential for…
Why do employers offer disability insurance?
Employers can offer disability insurance as a perk to their employees. The employees will often buy into this plan in a group setting, so all of them are covered under the same general policy. If they get injured, then they can get benefits for a…
Is your insurer acting in bad faith?
As a policyholder, you expect the insurer to make good on their promise to cover your expenses when you need them to. After all, you have been paying insurance premiums faithfully as stipulated by the policy. However, it is not always smooth sailing. Some insurers…
2 important steps to prepare for an ERISA disability appeal
Many employees take certain benefits for granted, not realizing that their employer or other business could defraud them. The government has many laws in place to reduce the likelihood of people becoming indigent because of lies or misconduct by businesses. The Employee Retirement Income Security…
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