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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…
It’s vital to seek medical care after a road traffic collision
If you are involved in a car accident, it can be a stressful situation. After the accident, you may not feel any immediate aches or pains and decide to pass on medical treatment. This isn’t a smart move. There are more than a few reasons…
How long do you have to file an ERISA appeal?
An insurance policy covered by the 1974 Employee Retirement Income Security Act (ERISA) gives you certain rights. The insurer must handle your claim in accordance with those rights. That does not mean they will. Every year, many employees who believed taking out these policies would…
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