Category: Individual Disability Claims

Anyone eligible to receive long-term disability insurance under an employer-sponsored plan or private insurance should know about “offsets,” the reductions in your benefits that can happen if you get other sources of income. Offsets are provisions in the policy that give your insurer broad permission to deduct other benefits that you are eligible to receive […]

We recently explored five common causes of disability claims in honor of Disability Insurance Awareness Month. As we discussed in part one of this series, many Americans have misconceptions about what legally qualifies as a disabling sickness or illness. The Council for Disability Awareness reports that one in three women and one in four men […]

Long-term disability claims have a tendency to be very stressful. Not only are claimants dealing with an injury or illness that is preventing them from working, they are also left to deal with the whims of their long-term disability insurance carrier. Insurance companies are in no mood to cut a check for the resources you […]

If you’ve decided to secure disability insurance, you should take a moment to congratulate yourself. Prudence will pay dividends if an injury or illness keeps you out of work. You may have questions, however, about what type of disability insurance is best. Specifically, whether you should seek short-term, long-term, or perhaps even both types of […]

When a person makes the brave decision to start his or her own business, it can prove to be equal parts exhilarating and excruciating. Here, the exhilaration comes from finally breaking free of an unfulfilling occupation and realizing a lifelong dream. The excruciation, on the other hand, comes from the process of getting the new […]

Whether we realize it or not, we are surrounded by an avalanche of consumer myths whose hold gets stronger with each passing day owing to everything from the internet to simple word of mouth. As unfortunate as this reality is, the good news is that these myths can be effectively countered by a consistent dissemination […]

Sales representatives in high-paid industries, like the medical and pharmaceutical fields, know that income potential is very good. Sales can be a great career. On the other hand, if you are currently struggling to make quota – as nearly all sales reps do at one time or another in their careers – there might be another […]

Most people think of long-term disability insurance as something that only older people need, but that is a misconception that can leave a younger person in a serious financial bind. People’s brains are not really wired to understand risk. We ignore it, or we assume that it isn’t as serious as others would try to […]

The process of filing a long-term disability insurance claim can be tricky. While every claim provides its own unique challenges, many of these issues arise when claimants make seemingly small mistakes during the claim filing process. Here is a list of dos and don’ts that may help you bulletproof your long-term disability insurance claim. When […]

It comes as no surprise that many insurance policy holders have difficulties in collecting money after filing a claim. After all, an insurance company’s goal is to make money. As a result, they do not always necessarily have your best interests or your health in mind. While there are many reputable insurance companies out there, […]