Disability Insurance Law Blog
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
Why Disability Insurance Companies Deny Legitimate Claims, and How to Fight Back
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsDisability insurance is meant to provide financial security when illness or injury prevents you from working. Unfortunately, even strong claims backed by solid medical evidence can be denied. Insurance companies
Chronic and Catastrophic Illness Riders: What Every Life Insurance Policyholder Needs to Know
On Behalf of Disability Insurance Law Group | | UncategorizedLife insurance isn’t just about protecting loved ones after you’re gone—it can also offer vital financial support while you’re still living. Chronic and catastrophic illness riders are optional policy add-ons
Don’t Sign Away Your Rights: The Risks of Alternative Plans of Care in LTC Insurance Claims
On Behalf of Disability Insurance Law Group | | LTC Insurance ClaimsLong-term care (LTC) insurance policies are designed to provide financial support when individuals require assistance with daily living due to age, chronic illness, or cognitive decline. Many of these policies
From Paper Trails to Power Moves: How to Build a Disability Appeal That Actually Gets Results
On Behalf of Disability Insurance Law Group | | Appealing A Claim DenialWhen a disability insurance claim is denied, it’s not just a bureaucratic setback—it’s a threat to your financial stability, health security, and peace of mind. Fortunately, a denied claim doesn’t
Long-Term Care Insurance Carriers Appear Motivated to Deny Claims—Here’s How to Fight Back
On Behalf of Disability Insurance Law Group | | Denied Long Term Care ClaimsLong-term care (LTC) insurance is meant to provide support when individuals can no longer care for themselves due to chronic illness, cognitive decline, or physical limitations. These policies offer coverage
What You Need to Know About Long-Term Care Insurance Policies Before Filing a Claim
On Behalf of Disability Insurance Law Group | | AD&D ClaimsFiling a long-term care (LTC) insurance claim should be a straightforward process, especially after years—or even decades—of paying premiums. But for many policyholders and their families, the reality is far more
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