Disability Insurance Law Blog
ERISA Disability Insurance Denials: How to Challenge an Unfair Decision
On Behalf of Disability Insurance Law Group | | Appealing A Claim DenialThe Employee Retirement Income Security Act (ERISA) governs most employer-sponsored disability insurance plans and provides guidelines for claims and appeals. While ERISA is meant to protect employees, it often benefits
How Long Do You Have to Appeal a Disability Insurance Denial? Understanding Deadlines
On Behalf of Disability Insurance Law Group | | Denied Life Insurance ClaimsWhen a disability insurance claim is denied, many claimants feel overwhelmed and unsure of their next steps. One of the most critical aspects of challenging a denial is understanding the
How to Handle Delays in Long-Term Care Insurance Claim Processing
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesLong-term care insurance provides financial support for individuals who need assistance with daily living activities due to aging, illness, or disability. However, one of the policyholders’ biggest frustrations is dealing
The Difference Between Life Insurance and AD&D Coverage: Understanding Your Policy
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsWhen planning for financial security, many individuals purchase life insurance or accidental death and dismemberment (AD&D) insurance to protect their loved ones in case of an unexpected tragedy. While both
Unfair Disability Insurance Claim Denials: How to Take Legal Action Against Your Insurer
On Behalf of Disability Insurance Law Group | | Denied Disability Insurance ClaimFiling a disability insurance claim should provide financial relief when you cannot work due to a medical condition. Unfortunately, many insurance companies deny valid claims, leaving policyholders without the promised
What Happens If Your Employer or Insurance Provider Misclassifies Your Disability?
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesWhen you file a disability insurance claim, you expect a fair evaluation of your condition and the benefits you are entitled to under your policy. However, misclassification of your disability
What Happens If Your Disability Insurance Policy Has an Exclusion Clause?
On Behalf of Disability Insurance Law Group | | Denied Disability Insurance ClaimDisability insurance provides financial security when an illness or injury prevents you from working. However, many policyholders are surprised that their disability insurance policy includes exclusion clauses that limit or
Dealing with Denials for Invisible Disabilities: Chronic Pain, Fibromyalgia, and More
On Behalf of Disability Insurance Law Group | | Denied Disability Insurance ClaimApplying for disability insurance benefits can be challenging, but it becomes even more difficult when dealing with invisible disabilities like chronic pain, fibromyalgia, chronic fatigue syndrome (CFS), migraines, and autoimmune
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