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Disability

Disability Claims for Firefighters & Police Officers

May 9, 2018

Many firefighters and police officers in the state of Colorado enjoy the benefits of the Fire & Police Pension Association of Colorado (FPPA). The FPPA administers a state-wide, multiple-employer retirement system providing defined benefit plan coverage. In addition to pension benefits, death and disability coverage also exists. For many fire districts and police departments, an additional long-term disability (LTD) insurance policy…

May is Disability Insurance Awareness Month

April 27, 2018

Disability Insurance Awareness Month (“DIAM”) is a campaign started and sponsored by the nonprofit organization Life Happens. The first goal of the campaign is to encourage people to take the time to consider the reality of missing work for any period of time, and to understand that it happens more than any of us would…

Independent Medical Exams (IMEs) for Disability Claims: What to Expect

December 18, 2017

When a claim is filed against a short- or long-term disability policy, the insurance company may request that the claimant attend an independent medical …

Disability Benefits: Beware Facebook, Linkedin, and All the Rest

November 15, 2016

Be very careful what you post on your social media sites, such as Facebook and even LinkedIn. Everyone knows Facebook.  We have previously posted about the dangers of exposing your personal life for all the world to see, because your disability insurance carrier exists in that world.  LinkedIn is a professional networking and employment internet…

Is Your Insurance Company Preparing to Terminate Your Long-Term Disability Benefits?

October 3, 2016

Convincing your insurance company to approve a long-term disability (LTD) claimcan be challenging.  Keeping your claim in an approved status can be similarly challenging.  After LTD benefits have been approved, insurance companies will continue to review the claim and look for reasons to terminate benefits. There can be warning signs that can reveal an insurer’s intent…

3 Common Mistakes to Avoid in Independent Medical Exams for Disability Claims

May 6, 2016

After filing a short- or long-term disability claim, you may be required by your insurance provider to attend a so-called independent medical exam (IME) (the more appropriate term is Insurance Medical Exam).  IMEs are physical exams conducted by licensed doctors who have specifically been selected by the insurance provider. The purpose of these exams is usually to provide…

Are You Protecting Your Paycheck & Financial Future?

April 29, 2016

Do you rely on your paycheck every month to cover your essential expenses? How long would you be able to support yourself if you were unable to earn a living? Although it can be grim to think about the answers to these life questions, the reality is that accidents happen and that many people do…

Disability Insurance Company Surveillance: What You Need to Know and Their NEW Tactic

January 28, 2016

When disability claims are filed with insurance companies, the investigation of your claim may often involve the hiring of an investigator to surveil you to verify whether you are truly disabled and entitled to the benefits of your insurance policy. Many people are surprised to learn that surveillance has occurred and their activities are now recorded.  While it…

3 Myths about Disability Insurance Dispelled

November 23, 2015

Many people understand that having various types of insurancecoverage can provide them with an important safety net in the event of an accident or other adverse event that life has in store for them. While this may be one of the main reasons people purchase policies like life insurance and health insurance, these policies may not…

3 Important Facts to Know about Disabilities & Disability Insurance

October 23, 2015

Knowing the facts about disabilities can underscore just how important it is to have disability insurance coverage. To this end, below, we have presented some essential facts to understand about disabilities. Disabilities & Disability Insurance: Here’s What You Should Know 1 – About 25 percent of workers in their 20s will be disabled before they retire.1 In…