Category: Group Long-Term Disability Claims

When offered group disability insurance through an employer or other plan, many people turn down the chance to cover themselves for a future accident or medical issue. It’s not that people don’t want coverage — no one really wants to have to pay all of their own medical bills if something serious happens. Many people […]

If you’ve been disabled, it is important to protect your rights. A disabled individual may need extended medical care, special therapies or other accommodations. Yet coverage under your insurance policy may not be automatic. If you were initially denied, the particular policy may require you to file an appeal. It is imperative to consult with […]

May is Disability Insurance Awareness Month, making it the perfect time to learn how to protect your livelihood. Not all disability insurance policies are alike, making it important to know the key differences between individual and group disability insurance plans. An estimated 40% of Americans have disability insurance, and a majority of them have a […]

As an employee, you may have the right to purchase group disability insurance. If this situation arises, it’s essential to learn more about the policy. Furthermore, if you have any questions, this is the best time to address each and every one. Disability insurance is nothing to take lightly. While you may believe it will […]

One of the primary benefits of working for a company, as opposed to yourself, is the ability to access a variety of benefits. This often means group disability insurance. While some people are excited about the opportunity to purchase group disability insurance, others begin to realize that this is not the best decision for them. […]

If you’re filing a long term disability insurance claim, every form you complete and action you take matters. Insurance companies will look for any valid reason to deny you benefits; if you’re not careful, you may provide them with the information they can use to invalidate your claim. Learn more about the most common reasons […]

  Did you know that an estimated 400,000 Americans have multiple sclerosis, and 200 new cases are diagnosed each week? Multiple sclerosis, often referred to as MS, is a chronic disease that attacks the central nervous system. There are several types of MS, including: relapsing-remitting multiple sclerosis (RRMS) primary-progressive MS secondary-progressive MS progressive-relapsing MS The […]

When you’re considering which type of disability policy to purchase, you should first know the difference between short-term and long-term policies. Short-term policies can provide you with benefits faster than most long-term policies can; however, the benefits will not generally be available for as long. Most short-term policies have a waiting period before you can […]

There is nothing worse than receiving word that a disability insurance claim has been denied. If this happens, you may wonder how you will get by until you are able to return to work. Just because you receive a denial does not mean you have to give in. You have the right to protect yourself, […]

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 […]