When Accidental Death Isn’t “Accidental”: How Insurers Use Policy Language to Deny AD&D Claims
Accidental 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?
Filing 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
If 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...
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Former Client
I contacted Disability Insurance Law Group and they have been taking care of me since that first call. Alicia and her staff fought for me and kept me informed at...
Ms. B.
As a practicing general dentist for 35 years I did all the right things I was told to do by advisors. When I became unable to practice dentistry after a...
Dr. S.
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I worked as a teacher for 15 years. I was in a car accident and despite 3 surgeries, I remained in constant pain. I filed my claim for disability insurance...
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I struggled to continue to practice as a dentist after I was diagnosed with MS. After I developed a tremor in my hands, I knew I could no longer treat...
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I never imagined that I would have to discontinue my medical practice due to a disability. Unfortunately it happened, but I had appropriate disability insurance coverage. I knew that proper...
The role of a salesperson is to facilitate the exchange of goods or services between a seller, often a business or individual, and a buyer, customer, or client. Salespeople are responsible for establishing and nurturing relationships, identifying customer needs, presenting product or service solutions, and closing deals.
Salespeople are compensated based on various payment structures, and the specific compensation method can vary depending on the industry, company, and the nature of the products or services being sold. Whether you count on a base salary, commissions, bonuses, or a combination, our lawyers fully understand that if your life has been changed because of an injury or illness that keeps you from working, chances are you are not making any money.
Salespersons across the U.S. have disability insurance for several reasons, just like any other working professional: To provide financial protection in case they become unable to work because of a disabling injury or condition.
No matter your industry, what you sell, or which state you work in, you deserve to have your claim paid.
Our trusted disability insurance claims lawyers can help you understand your legal rights and options to pursue your disability insurance carrier, starting with a free consultation.
Why Salespersons Throughout the U.S. Need Disability Insurance
Accidents, injuries, and illnesses can happen to anyone, regardless of occupation. Disability insurance helps safeguard salespeople from the financial impact of unexpected disabilities that may prevent them from performing their jobs effectively.
Medical Underwriting
Disability insurance often includes medical underwriting, which means that the insured individual’s health and medical history are considered when setting the premium rates. Young and healthy salespeople can often secure disability insurance at a lower cost, providing valuable protection at an affordable rate.
Specialty-Specific Coverage
Disability insurance can be tailored to address the unique risks and demands of the sales profession. Policies can be designed to cover conditions or injuries that could specifically affect a salesperson’s ability to travel, meet with clients, or perform their job effectively.
Long-Term Disability Coverage
Disability insurance policies can provide coverage for extended periods, which is crucial for salespeople, as some disabilities may be long-term or permanent. Long-term disability insurance policies can offer income replacement for an extended duration, such as until retirement age.
Independent Coverage
While some employers may offer group disability insurance as part of their benefits package, this coverage may not be sufficient to meet the financial needs of individual salespeople. Private disability insurance allows salespeople to supplement or replace their group coverage to ensure adequate protection.
Financial Obligations
Salespeople often have financial obligations, such as mortgages, car loans, and education expenses. Disability insurance can help them meet these obligations even if they cannot work.
Transition Assistance
In the event of a disabling condition that prevents a salesperson from returning to their previous occupation, disability insurance can provide benefits that support the transition to a different career or line of work.
Given the financial impact of a disability on a salesperson’s income, career, and livelihood, disability insurance is a valuable and essential tool for ensuring financial security in the face of unforeseen health challenges. It offers protection and peace of mind, allowing salespeople to focus on their professional success and overall well-being.
This is only true when the insurance company pays their claims. No matter where you live or work as a salesperson in the U.S., we can help you prepare your initial disability claim, respond to an insurance company dispute, or appeal your claim after your insurer has denied it.
Do not allow your disability insurance company to diminish the reality of how your injury or illness impacts your business. Let us take the lead in your case and pursue actual results that allow you to enjoy the quality of life of putting your claim behind you, just as we have successfully done for thousands of professionals nationwide.
Our disability insurance attorneys represent salespersons throughout the United States. We will review your case during a free consultation, outline the medical evidence and other crucial documentation that supports your disability claim, and present it to your insurance company to pursue the disability benefits you are entitled to from your unique policy.
At Disability Insurance Law Group, we also offer insurance claims for the following occupations:
Contact Our Dedicated Disability Insurance Claims Attorneys for Salespersons Today
Contact our skilled disability insurance attorneys for salespeople nationwide today by calling (954)-989-9000 or contact us online to schedule a completely free and confidential case assessment so we can put our over 50 years of combined experience to work for you — no matter where you work or live in the U.S.
Do You Need Legal Counsel? We Invite You To Contact Us For A Free Consultation.
Fill out the form and we’ll be in touch with you shortly, or call us now at 954-989-9000.