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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…
What qualifies as a long-term disability (LTD)?
As people grow older they have a higher risk of developing medical illnesses, catching a disease or injuring themselves. These health conditions can disrupt a person’s daily routine. That’s why there are disability benefit plans available. While some illnesses and injuries can quickly heal, other…
How gaps in treatment can affect your long-term disability
When you’ve suffered an injury or developed an illness that keeps you from working, you may rely on your long-term disability policy to keep you afloat. Unfortunately, gaps in your medical care can put your benefits in danger. Whether you’re still trying to obtain the…
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