The challenges of getting benefits for a self-reported condition
Posted February 24, 2016
Insurance companies often limit the disability benefits they pay for “self-reported” conditions to two years. However, these conditions often last for far longer than that. This means that people may require medical treatment and be unable to work well past the time when they stop receiving benefits. At DarrasLaw, we work to help our clients […]
What are the best reasons to buy individual disability insurance?
Posted February 22, 2016
If you don’t receive disability insurance through a group policy, it may be in your best interest to purchase individual coverage. In short, disability insurance is purchased as protection in the event that you are unable to work as the result of an injury or illness. Even if you receive group disability insurance, you still […]
Frank Darras Interviewed on the Thriving Dentist Podcast
Posted February 19, 2016
Since day one, Frank Darras’s mission has been to spread the message far and wide about the pitfalls of disability insurance and how you as a dentist and business owner can set yourself and your practice up for success.This podcast has a wealth of information for dentists…Frank addresses several details of disability insurance that dentists need to know, including:
- he 4 most common individual disability policies dentists need to know about
- Whether you should pay your policy through your dental practice or yourself
- The details of insurance coverage for overhead expenses
- The important clauses that come in disability insurance policies
- The disadvantages of group long-term disability insurance coverage
- The ways in which ERISA impacts disability insurance
Woman sues insurer for not paying claim after nervous breakdown
Posted February 18, 2016
Not all long-term disability claims involve physical injuries or illnesses. Mental health issues can also require a person to take a significant period of time off from work. In West Virginia, a woman is suing Metropolitan Life Insurance Company for its failure to pay her claim after she reportedly suffered a nervous breakdown. The woman, […]
Don’t be confused by a disability insurance denial
Posted February 16, 2016
Just because you make a disability insurance claim does not mean the insurance company will pay out the appropriate benefits without delay. There are times when insurers fight against this for one reason or another. If you receive a disability insurance claim denial, you have two options. You can agree with the decision and go […]
Video: How long does this Policy Protect Me?
Posted February 15, 2016
If you have a long-term disability policy, until you need it, you likely spend little time thinking about it. When you do however, you probably have many questions. These questions could vary widely and include the length for which the policy is valid. Regardless of whether it is a group policy from your work or […]
5 Signs You Should Invest In Disability Insurance
Posted February 12, 2016
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Are you thinking about purchasing disability insurance? There are many factors to consider, but there are five signs that may indicate you should invest in a policy.
What’s the best way to obtain disability insurance?
Posted February 11, 2016
We’ve talked here before about the importance of having disability insurance. More than half of the households in this country report that they don’t have enough readily-available money saved up to last even a month should an injury or illness strike. We often discuss employer-provided disability insurance and individual disability insurance plans. However, there are […]
Video: Should I Submit to a Field Visit?
Posted
Most people working with an insurance company to secure long-term disability benefits are unfamiliar with the process and what is necessary to be successful. The lack of understanding concerning these issues could lead you to agree to unnecessary things such as field visits. While you may think that consenting to visit of this nature will […]