Disability Insurance Law Blog
Disability Claims for Cancer Survivors: When Treatment Ends but the Side Effects Don’t
On Behalf of Disability Insurance Law Group | | Denied Disability Insurance ClaimFor many people, completing cancer treatment is a significant milestone—often celebrated as a return to “normal life.” But for countless survivors, that moment is followed not by relief, but by
The Fine Print of Policy Language: How Disability Insurers Use Ambiguities to Their Advantage
On Behalf of Disability Insurance Law Group | | Denied Disability Insurance Claim Disability Insurance – General Topics Disability Insurance PoliciesDisability insurance policies contain terms that appear clear at first glance—phrases like “own occupation,” “reasonable care,” and “ongoing proof of loss.” However, these seemingly straightforward terms can carry hidden meanings
Understanding Elimination Periods and Benefit Triggers in Long-Term Care Policies
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesLong-term care insurance is designed to offer peace of mind as you or a loved one ages and begins to need help with everyday activities. However, when the time comes
Proving Partial Disability for Business Owners and High-Income Professionals: Income Drop Isn’t Always Enough
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesDisability insurance policies often include partial or “residual” disability benefits for those who can still work in a limited capacity. These benefits are especially important for business owners, executives, doctors,
Total vs. Partial Disability: Why the Definitions in Your Policy Are More Dangerous Than They Sound
On Behalf of Disability Insurance Law Group | | Denied Private Disability Ins. Claims Disability Insurance – General TopicsMost people assume that “total” and “partial” are self-explanatory regarding disability insurance. However, the reality is far more complex, and the definitions buried in your policy language can majorly impact
When Accidental Death Isn’t “Accidental”: How Insurers Use Policy Language to Deny AD&D Claims
On Behalf of Disability Insurance Law Group | | AD&D ClaimsAccidental Death and Dismemberment (AD&D) insurance promises financial protection after an unexpected tragedy. These policies are marketed as straightforward—if a person dies or suffers a serious injury due to an
Understanding the Timeline: What Happens After You File a Long-Term Disability Claim?
On Behalf of Disability Insurance Law Group | | Disability Insurance – General TopicsFiling a long-term disability (LTD) claim is a significant step toward securing the benefits you need to maintain financial stability during a serious medical challenge. But what happens next can
How to Respond to a Request for Additional Documentation During the LTD Review Process
On Behalf of Disability Insurance Law Group | | Disability Insurance – General TopicsIf you’ve filed a long-term disability (LTD) claim, receiving a request for additional documentation from the insurance company can feel both stressful and confusing. You may wonder what’s missing, whether
Five Key Mistakes to Avoid When Appealing a Denied Disability Insurance Claim
On Behalf of Disability Insurance Law Group | | Appealing A Claim DenialBeing told your disability insurance claim has been denied can be overwhelming and discouraging, but it doesn’t mean your case is closed. You have the right to appeal, and many
Do Pre-Existing Conditions Automatically Disqualify You from Disability Benefits?
On Behalf of Disability Insurance Law Group | | Disability Insurance – General TopicsIf you’re living with a chronic illness or long-standing medical issue, you may worry that your pre-existing condition could disqualify you from receiving disability insurance benefits. It’s a valid concern,