Do I Need Private Disability Insurance If I Have Group Disability Insurance Through My Employer?
A short list of considerations to make an informed decision.
What’s New in ERISA Disability Insurance Litigation: Goodbye Discretionary Clause and Hello Fair Reviews
It’s 2015. Out with the old and in with the new. Can we really say goodbye to the discretionary clause in the Employee Retirement Income Security Act (ERISA) that governed long-term disability insurance litigation? The answer may at long last be yes. The dreaded discretionary clause (loathed by insureds and loved by insurers) in almost […]
Is Drug And Alcohol Addiction Disability Covered By Long Term Disability Insurance Provided By Your Employer? Generally, Yes.
The end of the year holidays are upon us with all the associated celebrations. A wonderful time of the year, but it’s good to know that if the celebrations have turned into a hazy and impaired way of life, you may be able to get help from an unexpected resource. For many people the road […]
Do You Ever Have The Feeling Somebody Is Watching You?
If you have filed a claim for long-term disability insurance benefits you may be watched and filmed by a private investigator hired by the insurance company. Perhaps in today’s world where everybody is constantly within the eye of a camera it no longer seems as intrusive, but it still is disconcerting for someone with a […]
What You Need to Know About: Documenting A Long Term Disability Insurance Benefits Claim
The Paper File When filing a claim for long term disability insurance benefits, the most important and persuasive documents are going to be your medical records from your treating doctors which clearly lay out your medical condition and how it prevents you from doing your job. The more medical records the better to ensure your long term disability […]