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What types of physical conditions does disability insurance cover?

If you have a disability insurance policy, it is important to understand what that policy covers in case you ever lose your ability to work due to an illness or physical injury. Policies differ with regard to the type of conditions covered, the length of time of...

Delay and deception: Disability insurer tactics in claim denials

Insurance companies that sell short- or long-term disability insurance policies are in business to make a profit. It follows that they are not necessarily there to be benevolent supporters of their policyholders when they struggle with disabling health conditions. To...

Did your disability insurer weaponize an independent medical exam?

Most disability insurance policies allow the insurer to arrange for a reasonable, relevant independent medical examination (IME) of the claimant. While on its face this sounds fair and even potentially helpful for a disability claimant, the insurance company may use...

Disability insurers use aggressive surveillance to deny claims

Using a variety of surveillance and investigation techniques, disability insurance companies often try to gather information about claimants’ daily activities. Then, they use the information to say the claimants are not disabled – and not eligible for disability...

State law remedies for denied individual insurance policy claims

Different laws apply to each of two types of disability insurance policies. The first kind of policy is governed by the federal law ERISA, short for the Employee Retirement Income Security Act of 1974, which applies to almost all policies offered through employment....

Common Delay or Denial Tactics Utilized by Life Insurance Companies

Life insurance is often purchased to protect the surviving beneficiary or beneficiaries financially, especially if the insured was a breadwinner. Because of this, it is important that insurance companies timely pay life insurance benefits.  The last thing a grieving...

COVID-19 Total Disability and First Responders & Healthcare Workers

For most of the past year, hospital based nurses, doctors, and medical staff as well as first responders have been repeatedly exposed to the traumatizing effects of COVID-19.  Watching patients suffer from an illness about which we have little understanding and having...

Patterns in long-term care insurance denials, part 2

After paying the premiums for long-term care insurance coverage for years, it can be emotionally upsetting and financially devastating when the insurance company denies a claim for benefits. Unfortunately, this scenario is not uncommon. Long-Term Care insurers utilize...

How insurers deny long-term care insurance claims, part 1

We are all at risk of needing a long-term care support system should we become chronically sick, sustain a long-lasting or permanent injury, develop problems with cognition or face frailty related to the aging process. When one of these challenges prevents someone...

Challenges of a disability insurance claim based on anxiety

We are currently having a collective experience that provokes some degree of natural anxiety in almost everyone. However, when the level of anxiety becomes overwhelming, it can  prevent a person from being able to work in their occupation. Individuals with a private,...

Unum wrongly denied Long Term Disability as pre-existing condition

Disability insurance policies often ban coverage for disability that stems from pre-existing conditions. In other words, if someone had a medical problem within a specified time frame prior to their effective date of coverage and they became disabled within the first...

Establishing a disability insurance claim based on PTSD

The challenges of COVID-19 are not limited to contracting the virus and becoming ill.  Many people are experiencing extreme stress and even trauma as a result of the pandemic – including first responders, medical personnel, those at greater risk due to advanced age or...

Long-term disability policy interpretation under ERISA

A federal court in Texas recently found in favor of a long-term disability (LTD) claimant whose insurer had terminated his benefits. The March 10 opinion illustrates federal rules for interpreting disability insurance policies. In Chavez v. Standard Insurance Co., the...

Legal remedies for private disability insurance claim denials

People acquire disability insurance as a safety net to provide financial support should they become disabled from working. Short- and long-term disability insurance policies fall into two buckets. On one hand, group policies such as those available through employers...

Nurse anesthetist taking Fentanyl at work cannot perform job

Kansas City Life Insurance Co. denied the short- and long-term disability applications of a nurse anesthetist who was allegedly taking Fentanyl on the job. The insurer said that the reason the claimant lost his job was a failed drug test after coworkers reported he...

Pro athletes may face disability insurance claim fights

At our law firm, we represent professional athletes in their claims for disability insurance. Pro athletes are of course at higher risk than most people of serious work injury because of the dangerous nature of high-level athletic performance on a regular basis....

Social-media surveillance of disability claimant’s activities

We recently posted information in this space about how disability insurers use surveillance to investigate the lifestyles of their disability claimants to try to uncover evidence that the claimants’ activities are inconsistent with the medical conditions...

Policy language limits disability insurer administrator’s power

A recent court opinion sheds light on the ramifications of disability insurance policy language that describes what powers the insurer's administrator has to decide claims. We recently posted a blog about the standards of review courts apply when considering an appeal...

Insurers use of drones in surveillance of disability claimants

When you are ill or injured to the point where you had to file a claim for disability benefits under your disability insurance policy, it can be disheartening to learn that during the initial review process or even while on claim that your insurance company put you...

Court uses de novo standard of review when insurer blew deadline

A federal appeals court decided that because a disability insurance plan administrator missed a strict ERISA deadline for issuing a benefits decision on review, the correct standard for the court reviewing the denial of benefits to use is "de novo" rather than...

What is a disability insurer’s structural conflict of interest?

A large insurance company that sells short- or long-term disability coverage can intimidate an individual fighting for their rightful benefits after having become disabled. When that insurer decides its own claims internally, rather than outsourcing that...

Female soccer players and disabling brain injury

At , we represent professional athletes in their claims for long-term disability insurance often based on debilitating mental or physical injuries. Obviously, professional sports are not gentle on bodies or brains and disabling injuries can...

Court holds LTD claimant did not have a pre-existing condition

On Sept. 3, the U.S. Court of Appeals for the 1st Circuit held that Aetna had wrongly denied long-term disability insurance coverage to a claimant with malignant melanoma. The opinion turns on a legal issue that comes up often in LTD cases — whether the claimant...

Man with severe heart condition denied disability by Cigna

When Florida residents have a medical disability that keeps them from working, they often depend on their disability insurance to help them financially survive. Unfortunately, insurance companies sometimes refuse to pay, leaving people between a rock and a hard place....

Do you feel paralyzed with fear or anxiety when you leave home?

If you do, you could suffer from agoraphobia. The hallmark of this anxiety disorder is a need to get away from situations and places that make you feel panicked, helpless, embarrassed or trapped. You may feel like you need to get back into your comfort zone.You may...

Common exclusions found in life insurance policies

Florida residents and others looking to purchase life insurance should understand that policies are binding contracts. Therefore, they may contain exclusions or exceptions that buyers need to look for prior to making a purchase. The exclusions or loopholes included in...

Distinguishing between PTSD and TBI for your disability claim

When a person is unable to work due to a medical condition, he or she may need certain types of financial support. If you find yourself in this position, you may understand first-hand how complicated it can be to navigate the process of recovery, from getting the...

NFL Disability Claims

The National Football League is well known for denying the valid disability claims of its players. After submitting a claim for disability benefits to the NFL, which is self-insured and administrates all NFL claims, the player is often sent to numerous "neutral"...

Winning a Multiple Sclerosis Disability Claim

Multiple sclerosis is considered an "immune-mediated" disease, where an individual's immune system attacks the central nervous system. The cause of multiple sclerosis is unknown. However, scientists believe that a combination of genetic and environmental factors...

Fighting back against disability claims denials

When Florida residents file claims with their private or group disability insurance, they may be surprised to find themselves confronted with delays or denials of the claim. This can be devastating as people often rely on these insurance policies to provide...

Proposal targets social media of disabled people to find fraud

Florida residents who collect Social Security Disability benefits might be alarmed to hear the details of a new proposal from the Trump administration. In an effort to catch people allegedly faking their disabilities, the proposed policy promotes the use of...

Problems you could encounter with long-term care insurance

As you age, preparing for the future becomes a priority. Florida residents may be living longer, but they are also suffering from physical and mental ailments that require a substantial amount of care.The odds of needing long-term care at some point in the future...

Insurer ordered to pay fees after denying disability benefits

Many people in Florida and elsewhere in the country have faced serious hardship after their applications for disability benefits were denied by their insurance companies. One firm, Life Insurance Co. of North America, was found to be liable in its treatment of a woman...

When insurance companies deny professional disability claims

A professional may face difficulties when attempting to bring a claim to a disability insurer. Doctors, lawyers, business owners, and other skilled professionals work hard and spend significant sums of money to make sure they have disability insurance policies that...

Are you under surveillance by your disability insurance company?

Surveillance is a frequent tool used by disability insurance companies to try to deny or terminate claims. We often hear from claimants: "I have nothing to worry about, because I am actually disabled. Let them follow me;" "I would know if I were under surveillance;"...

Claim for short term disability leads insurer to change policy

As more people are becoming accepting of transgender surgery, insurance companies are changing policies. In this vein, a major disability carrier recently did so after initially denying a claim. This is good news for the transgender community in Florida as many are...

Private disability claims are often denied

There is a great disparity in how people think about insurance. Many Florida residents think of it as a necessary evil and purchase the minimum required for specific purposes, while others seek to protect themselves against risk by acquiring upgraded and broader...

What does your policy’s declaration page do for you?

Most Florida residents rely on the insurance company they work with to get their policies right. After all, they may not feel as though they have a choice in purchasing insurance in the first place, so they discuss coverage options and begin paying premiums.However,...

A disability insurance claim denial need not be the last word

Having insurance coverage can provide peace of mind. The hope, of course, is to never have reason to file a claim, but the expectation is that if a loss occurs, the insurance company will respond in a timely manner, address the issue professionally and pay an...

What to do if your private insurance benefits are denied

If you are a private insurance policyholder in Florida, you have a right to file a valid claim should you need insurance benefits for a specific purpose related to your policy - e.g., a car accident, flood or theft. But if you have a claim that's denied, you have a...

Claims for long-term care insurance benefits

In Florida, your claim for long-term care benefits is governed by your long-term care insurance policy. If you're no longer able to care for your needs on your own and need to go into a long-term care facility, it's important to obtain a complete copy of your...

Defining bad faith as it relates to insurance claims

Insurance companies in Florida and throughout the country are required to act in good faith in investigating and paying out policy claims. However, bad faith is defined differently depending on where the claim is made. In some cases, a bad faith action by an insurance...

Debilitating PTSD makes living nearly impossible for some people

Many Florida residents experience traumatic events. Some of them are able to deal with the situation and move on with life within a reasonable amount of time. However, others cannot move on from the trauma quite to so easily. They tend to bear the scars from the event...

Inability to Perform an Essential Duty is Total Disability

When faced with a disability claim, the definition and interpretation of "totally disabled" under your assigned plan is central to the outcome of your claim. As portrayed in Derichs v. AT&T Services, Inc., a recent US District Court for the District of Kansas...

Insurance company questions teen’s new wheelchair request

In many instances, insurances companies in Florida and other states make an effort to meet the needs of families and individuals with unique care requirements. But one mother has experienced unexpected difficulties with her insurance provider about a request for a...

Insurance company faces alleged violation of ERISA

A long-term disability policy is designed to help a Florida resident pay for costs related to treating medical issues. According to one woman, Liberty Life Assurance Co. failed to live up to the terms of a policy that she participated in. The suit was filed in U.S....

Widow sues over denied life insurance claim

When a family in Florida loses a loved one, the pain and grief can be immense. Unfortunately, the practical costs can also be significant. This includes dealing with final expenses, hospital bills and funeral costs. When a life insurance policy refuses to pay out,...

The reason why short-term policies cost less

Individuals in Florida and throughout the country are eligible to buy health insurance through the Affordable Care Act (ACA). About 80 percent of those who buy policies through the ACA receive subsidies to make their policies more affordable. As part of changes to the...

Why might an insurer deny a life insurance claim?

You may think that purchasing a life insurance policy is the safest way to provide for your loved ones after your death. It is a simple transaction with you paying your premiums and your loved one receiving a payout after your death.Unfortunately, if it were that...

Researchers criticize retroactive denial policy of major insurer

People in Florida typically seek out medical care at emergency rooms for acute and worrisome conditions and injuries. To discourage the use of emergency care, the insurance company Anthem launched a policy of reviewing emergency charges and denying coverage if the...

Dealing with a disability insurance claim denial

When a Florida resident gets seriously injured or sick and needs to file a claim on their disability insurance, they could be faced with an unexpected denial of benefits. Many group and other employer insurance plans are covered under ERISA, the federal Employment...

Disability payments denied on grounds of preexisting condition

Some people in Florida who have long-term care insurance could have their claims denied if the insurer rules that it is related to a preexisting condition. This happened to a woman in Louisiana who had only a 1 percent chance in 2012 that breast cancer would return...

Widow alleges breached contract in life insurance lawsuit

Life insurance is a common way for Florida residents to assure the continued security of family members in the event of one's death. A woman in Perryville has filed a lawsuit against Life Insurance Co. of North America, alleging breach of contract and claiming she is...

Filing a life insurance claim may sound easier than it is

Losing a loved one is never easy, even if it was expected. After the funeral and burial, there are usually several matters to take care of in order to close out his or her estate. One of those items may be to file a claim against one or more life insurance policies...

MetLife Approval of Fibromyalgia and Chronic Fatigue Syndrome Claim

Fibromyalgia and Chronic Fatigue Syndrome, also referred to as Myalgic Encephalomyelitis, are debilitating conditions characterized by feelings of extreme exhaustion, muscle and joint pain, memory problems, brain fog, and problems with concentration. Many of our...

Battle continues over man’s life insurance policy

Collecting on a life insurance policy can sometimes lead to unexpected problems for bereaved Florida families. One case on the other side of the country illustrates the kind of difficulties that people can face. In Utah, a man was shot and killed by a police officer....

Court reverses insurance company’s claim denial

People in Florida who have long-term disability insurance through their employers or as standalone policies may believe that they will be protected if they are disabled and no longer able to return to their jobs. Unfortunately, some insurance companies routinely deny...

Fighting for appropriate benefits for disabled nurses

Florida nurses face complex risks and hazards every time they clock in for work. Health care is an ever-changing and difficult industry, and the men and women who work in this field as nurses may face certain physical risks on the job. Nursing can be hazardous, no...

Why are long-term care insurance claims denied?

Nursing home care, assisted living care, home care and other types of long-term care can all carry high costs. One thing some individuals do to try to reduce the financial impact future long-term care needs would have on them and their family is to get a long-term...

CTE, Concussions, and Proving a Disability Claim

In a clip from FRONTLINE's League of Denial, neuropathologist Dr. Ann McKee discusses the brain of Penn football player Owen Thomas, who took his own life at age 21. After Thomas's death, Dr. McKee studied Mr. Thomas's brain and was shocked to find evidence of Chronic...

Why was the insurance claim for my eating disorder denied?

It took far too long for the medical community to realize that eating disorders require the same attention, compassion and treatment as any other disease or disorder. It took even longer to understand that there is more than just a physical component to these...

Prepare to battle for coverage of eating disorder treatment

Without a doubt, you have had some frightening moments in the recent past. Perhaps you have sat in an emergency room on more than one occasion or called for an ambulance for your unresponsive loved one. Certainly, you had more than one argument with your child, an...

Prudential Denies Disability Benefits based on Severance Agreement

The case Thomas v. The Prudential Insurance Company of America, 2018 WL 211 118020, US Dist. Ct. E.D. Pennsylvania, is a reminder of how important it is to understand the implication and consequences of all terms in a severance agreement. When drafting a severance...

Important Tips for Appealing an ERISA Disability Insurance Denial

A denial of disability insurance benefits too often comes as a surprise to individuals who file legitimate claims and are genuinely unable to competently perform their job duties with reasonable continuity. Making the decision to apply for disability insurance...

Court Ruling on Mutual of Omaha Pre-Existing Denial of Benefits

In the case of Horneland v. United of Omaha Insurance Company, the eleventh circuit reversed the United States District court for the Middle District of Florida's decision finding for the defendant. In the case, Horneland sued United of Omaha Life Insurance Company...

Eating Disorder Seminar by Disability Insurance Law Group

In October 2017, Attorney, Alicia Paulino-Grisham, presented a continuing education seminar to clinicians at the Alliance for Eating Disorders Awareness regarding the health insurance claims and litigation process.The course discussed the role of mental health...

Aetna is Ordered to Provide Discovery Pertaining to All the Facts Available to It at the Time it Denied Disability Benefits, Regarding its Financial Conflict of Interest, and Its Claims Representative’s Communications with Aetna’s In-House Counsel

In a recent case out of the Southern District of Florida, Johnston v. Aetna Life Ins. Co., No. 1720996 2017 WL 4654431 (S.D. Fla. Oct. 16, 2017), the court rejected Aetna's argument that discovery was not permitted, beyond the administrative record assembled and...

The Southern District of Florida Finds that the PNC Plan Fails to Properly Delegate Discretion to Liberty Life Assurance Company and Finds that the Plan’s Denial of Benefits to a Branch Manager Disabled by Degenerative Disc Disease Was Wrong

In a recent case out of the Southern District of Florida, the district court held that while the PNC Plan provided PNC with discretion to determine questions of coverage and eligibility for benefits, there was not a proper grant of discretion to the third-party...

Eleventh Circuit Court of Appeals Finds that Reliance Standard Life Insurance Company Acted Unreasonably When it Denied Disability Insurance Benefits Under the Pre-Existing Condition Exclusion to a Woman Who Suffered a Stroke Nine Days After Giving Birth

Julissa Bradshaw had a healthy pregnancy and no other pre-existing medical conditions when she became insured under her ERISA governed disability insurance policy with Reliance Standard Life Insurance Company ("RSL"). Approximately six months after obtaining the...

Federal Circuit Court of Appeals Holds that a Return of Life Insurance Premiums Paid After the Death of an Insured is Insufficient When an Insured Continued to Pay Premiums with the Understanding there was Continued Life Insurance Coverage

In the recent case of McCravy v. Metropolitan Life Insurance Company, 690 F.3d 176 (4th Cir. 2012), the Fourth Circuit Court of Appeals determined that a return of life insurance premiums to Mrs. McCravy after her daughter's death was insufficient where Mrs. McCravy...

Cigna Continues to Engage in Unreasonable Delay and Denial Tactics of Disability Insurance Claims, Including Alleging that Disabling Conditions are Pre-Existing, After Cigna was Forced to Overturn Denials Under Similar Circumstances

In 2003, Susan Kristoff was diagnosed with breast cancer. After undergoing treatment, it was determined that she was in full remission and cancer free. As a precautionary measure, she was placed on Tamoxifen to prevent the recurrence of cancer in the future. Later,...

AVOIDING LONG TERM CARE POLICY DELAY TACTICS

Long Term Care/Home Health Care Insurance providers seem to make a habit of doing everything possible to delay making a decision on a long term or home health care claim for benefits in what would appear to be a clear effort to avoid paying benefits owed under these...

Own Occupation vs Any Occupation Disability Policy Definitions

Many group and individual disability insurance policies provide protection in the event that a claimant cannot perform the material duties of their Own Occupation ("Own Occupation Period") for a limited period of time (typically 24 months). In many policies, after the...

Troiano v. Aetna Life Insurance Company

Troiano v. Aetna Life Insurance Company, No. 16-1307 (1st Cir. 2016), involved a disability insurance claimant who was approved by an ERISA Plan Administrator, Aetna, for monthly disability benefits. However, the parties disputed how benefits should be calculated. A...

LONG TERM CARE POLICY CONCERNS AND STRATEGY

Many purchase long term care insurance for peace of mind. That is the selling point of these often pricey policies and the promise made to insureds by their long term insurance carrier. Unfortunately, when an individual has gotten to the point where they struggle to...

Key Tips in Navigating the Health Insurance Claims Process

Attorney, Alicia Paulino-Grisham was interviewed by the Alliance for Eating Disorder Awareness regarding the health insurance claims process. In the interview, Ms. Paulino-Grisham discussed that many patients and their families often find the health insurance claims...

Attorney Interviewed on Legal News and Review Radio Broadcast

Prominent disability insurance lawyer, Maggie M. Smith, was a featured guest on Legal News and Review Radio Show on the topic of disability insurance law. The show was broadcast on 1230 AM Radio - WBZT and iHeart HD Satellite Radio from 6-7pm on Friday, July 15, 2016....

Court Finds Surveillance Video Unconvincing

In many cases, without the claimant's knowledge, insurance companies hire private investigators to follow the claimant and conduct video surveillance over a period of several days. This video is often used to create the illusion that because the claimant is functional...

Disability Insurance Law Group Walks for Eating Disorders Awareness

February is Eating Disorders Awareness Month, and Disability Insurance Law Group once again proudly sponsored and participated in The Alliance for Eating Disorders Awareness celebrating everybody walk. The 5th annual walk was held at Sunset Cover Amphitheater South...

New Law about Reimbursement of Money to Insurer (2016)

In a recent Supreme Court Case, Montanile v. Board of Trustees of the Nat. Elevator Industry, the Supreme Court held that "Other Income" benefits (Social Security disability benefits, workers compensation awards, personal injury settlements) paid to a claimant by a...

Debunking Disability Myths

There is a great deal of misinformation about the amount fraud against disability insurance carriers.  While some people may believe going out on disability is akin to an early retirement, those individuals who are truly disabled know this is certainly not the case...

Disability Insurance Denial Answers

Insurance Companies such as Aetna, Assurant, Berkshire, Cigna, Guardian, Liberty Mutual, MetLife, Reliance, Standard, and Unum are well-known for unfair and biased claims review processes, misrepresenting the facts, and for denying valid disability benefit claims....

Long-Term Care Policies And Denials

Accepting that it's now time for a parent, loved one, or even yourself to seek the benefits provided by the long term care policy procured years ago and for which the premiums have been paid ever since is often difficult and life-changing. The one solace is that there...

Interpleader Lawsuits Over Life Insurance Benefits

After a person with a life insurance policy dies, a situation may arise where more than one party believes they are the rightful beneficiary of the life insurance benefit at issue. As a result, two or more people file a claim with the insurance company for the life...

Disability Company Delays and Denials

Disability insurance companies employ a variety of tactics to delay, deny, and defend claims and benefits. It is important for insureds to be aware of these strategies so they can maximize their chance for claim approval and avoid unnecessary delays and/or a denial of...

Disability Insurance Policy Lump Sum Buyouts

A disability insurance policy lump sum buyout is where an insurance company pays an individual an agreed upon lump sum amount of money to fully "buyout" the life of an individual's disability insurance policy and claim. In other words, in exchange for a one-time check...

Getting and Keeping Your Disability Insurance Benefits

Applying for disability insurance benefits and maintaining those benefits requires an understanding of the policy's terms as well as the tactics and review procedures utilized by many insurance companies throughout the duration of the...

Long Term Care and Home Health Care Policy Issues

It appears that many companies that sold long term care and home health care insurance had little idea of what a claim would involve or that at some point they would be responsible for the payment of so many claims. Over the last several years, many companies...

Is Your Insurance Benefits Claim Governed by ERISA?

ERISA stands for the Employee Retirement Income Security Act which was passed by Congress and signed into law by President Ford in 1974. When the Employee Retirement Income Security Act ("ERISA") became law, it was codified as a part of Title 29 of the United States...

Fibromyalgia and the Disability Insurance Claims Process

Those suffering from a severe case of Fibromyalgia know that it can cause widespread, debilitating pain, cognitive problems such as memory loss or difficulty with concentration, and overwhelming fatigue. Unfortunately, the cause of fibromyalgia remains unclear and...

Social Security Benefit Offsets and Reimbursement Requirements

Long term disability insurance provides income to workers whose earnings are interrupted by a lengthy period of disability. However, it is important to recognize that under the terms of most employer-sponsored LTD plans and many group disability policies, Other Income...

What is ERISA?

ERISA stands for the Employee Retirement Income Security Act which was passed by Congress in 1974 and signed into law by President Gerald Ford on Labor Day, September 2, 1974. When the Employee Retirement Income Security Act ("ERISA") became law, it was...

Preparing for a Possible Disability Claim

Our Firm often receives inquiries from individuals who are currently working, but due to the nature of their particular illness or injury the possibility of filing a disability claim at some point in the future appears inevitable. They are relying on their disability...

Delayed Claim Approved After Di Law Group Attends Field Interview

As noted in some of our previous blogs, insurance companies often require an in-person or telephone interview with a claimant either prior to making a claim determination or during the ongoing evaluation of a claim that is being paid. The goal of the insurer's...

Your Disability Insurance Company May Be Stalking You On Facebook

Your disability insurance company could be stalking you on Facebook. Be careful who you Friend or what you post on the internet. Insurance companies have become extremely savvy in how to use social media to "investigate" and ultimately deny insurance claims. Facebook,...

Disability Insurance Policy Coverage and Denials

Recently, more and more disability insurance companies are denying claims on the basis that the individual or employee is not covered under the policy. More specifically, insurance companies are asserting that at the time the individual became disabled the policy at...

Damages Against A Disability Insurance Company

Our firm receives many questions regarding the type of damages an insured can seek from a disability insurance company. Whether the insured is applying for disability benefits or has already been denied benefits, the insurance company's liability is important and many...

Life Insurance Policy Denials

Many individuals purchase life insurance policies to ensure that their loved ones are protected and provided for in the event that they are unable to do so as the result of an untimely death. Following the loss of a loved one who may also be a financial provider,...

Common Deceptive Disability Insurance Company Tactics

Disability insurance companies often employ common insurance company tactics when investigating a claim or claimant. Insurance companies are businesses that profit when insurance claims are not paid. Accordingly, they spend a significant amount of money each year...