Disability Insurance – General Topics
Residual Disability Benefits: The Most Disputed Type of Claim
On Behalf of Disability Insurance Law Group | | Disability Insurance – General TopicsDisability insurance is designed to protect policyholders when an injury or illness prevents them from working altogether. But not every disabling condition results in a complete inability to work. For
Understanding ADL Requirements in Long-Term Care Policies
On Behalf of Disability Insurance Law Group | | Disability Insurance – General TopicsLong-term care (LTC) insurance policies often include a specific set of requirements you must meet to qualify for benefits. One of the most common requirements involves proving you need assistance
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
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
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
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,
How to Prove Total Disability vs. Partial Disability in Your Insurance Claim
On Behalf of Disability Insurance Law Group | | Disability Insurance – General Topics Disability Insurance PoliciesFiling a disability insurance claim can be overwhelming, especially when determining whether your condition qualifies as a total disability or a partial disability under your policy. Insurance companies scrutinize these
Disability Insurance and Self-Employed Professionals: What You Need to Know
On Behalf of Disability Insurance Law Group | | Disability Insurance – General Topics UncategorizedFor self-employed professionals, disability insurance is an essential safety net. Unlike traditional employees, entrepreneurs, freelancers, consultants, and small business owners cannot access employer-sponsored disability coverage. This makes individual disability insurance
What to Do If Your Insurer Claims You’re No Longer Disabled
On Behalf of Disability Insurance Law Group | | Disability Insurance – General TopicsReceiving long-term disability (LTD) benefits can provide crucial financial support when you’re unable to work due to a disabling condition. However, many claimants face an unexpected challenge: their insurance company may decide