A burn injury can cause severe damage to the skin and skin cells. Burn injuries are often extremely painful. Victims can experience long-term disabilities, significant scarring and disfigurement from a burn. Thermal burns are often the most common, but not the only...
Individuals who file claims for disability benefits often have few other options for supporting themselves. Employers sometimes offer long-term disability and short-term disability policies as part of benefits packages. The average worker probably hopes to never use...
If you suffer an injury or illness that affects your ability to work, you may need to file a disability insurance claim. You may be enrolled in short-term disability (STD) coverage when your application is approved. When your STD benefits are exhausted but you still...
No rule says someone can’t have more than one life insurance policy from different companies – and there are good reasons people often do. Multiple life insurance policies can help with proper estate planning, navigate coverage gaps and help people meet specific...
People post on social media without thinking too much about what they’re showing. For those who have a long-term disability claim, those posts can lead to a considerable issue with the claim if the posts show circumstances different from what’s in the claim. With...
Life insurance serves as a safeguarding financial tool for individuals and their beneficiaries, ensuring protection in the event of the insured's passing. Unfortunately, it is also a target for fraudulent activities due to the significant payouts involved. One of the...
A disability could severely impact your life and ability to work. You may be qualified for long-term disability (LTD) benefits, which can cover medical expenses, lost wages and other financial matters. There are many reasons why an LTD claim may be denied, which can...
Many workers who have complex compensation packages expect that they will likely never need those benefits. Employers may provide long-term and short-term disability insurance coverage as part of a robust compensation package. Employee benefits that include...
If you’ve been denied long-term or short-term disability benefits, the reason that the insurance company provided may be that you didn’t give them the proper medical evidence. They do not have enough information to determine if you are actually disabled, so they are...
The prospect of appealing denied short-term disability benefits may initially seem like a daunting and potentially exhausting process, especially because if you’ve applied for benefits, you are dealing with serious health issues. However, pursuing an appeal is often...
