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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…
Why would an insurance company deny disability benefits?
You suffered a disability through injury, but you knew that you had a group insurance policy. This was provided by your employer, and it gave you some level of security. If you were disabled, the insurance policy was supposed to provide you with disability benefits.…
The cause of death matters in life insurance claims
When you take out a life insurance policy, you expect your beneficiaries to receive a payout upon your death. However, it is not guaranteed. The cause of death of the policyholder is a crucial consideration. It could determine whether or not the beneficiaries will receive…
What you should know if your loved one had AD&D coverage
One type of insurance coverage often offered in employer benefit packages that is sometimes confusing is accidental death and dismemberment (AD&D) insurance. People tend to focus on the dismemberment part. Actually, these policies typically cover other traumatic injuries like paralysis, blindness or hearing loss that…
Why does your insurer want an independent medical exam?
Your disability insurance company certainly wouldn’t take a determination of your disability from a doctor you’ve never actually met in person – but that’s essentially exactly what happens when your claim is denied. The insurance company’s doctor, a person you’ve never met, makes the decision…
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