Category: Individual Disability Claims

People in California and elsewhere often complete their disability applications by themselves. However, the paperwork can be complicated, and having someone familiar with the process to help you can make the difference between obtaining benefits or having your claim denied. Insurance companies will use any excuse possible to deny benefits, and they will scrutinize all […]

Working adults of all ages face varying risks of disability, and should understand the importance of securing insurance to prevent financial disaster should think unthinkable happen. This naturally raises the question, however, as to just how much disability coverage a person actually needs and what, if anything, they can do to arrive at this crucial […]

Those individuals who have done any sort of casual reading about disability insurance, ERISA or a related topic have more than likely come across the following eye-opening statistic: today’s 20 year-olds have a roughly 25 percent chance of becoming disabled before reaching retirement age. Indeed, our blog relayed this vital statistic just a few weeks […]

The situation: An injury or illness has become a disabling condition that prevents you from working. You need to make a long-term disability claim to recover the financial resources you need to provide for yourself and your family during the difficult weeks, months, or years ahead. The solution: File a claim with your long-term disability […]

In 2001, the Department of Labor issued a rule that laid out claims and appeals procedures for disability and health plans sponsored by employers. The regulation of these plans fell under the employee Retirement Income Security Act. In 2015, the Affordable Care Act implemented how disputes for health benefit claims would be handled. The DOL’s […]

When it comes to short- and long-term disability plans, there are a number of differences that you should be aware of. Disability income is supposed to replace income that has been lost because of a medical disability and can be purchased by the individual or provided as an employee benefit. For those who have a […]

When you’re filing for disability benefits, you may have the option of choosing a one-time, lump-sum payment from the insurance company. While this may sound like a great idea at the moment, you should give yourself time to consider all of the facts. If you accept a lump-sum buyout, you will not have a disability […]

Do I need disability insurance coverage? Yes. Why? Answer this question: If an injury or medical condition left you unable to do your current job or earn a living in your chosen field, do you have a plan to keep a roof over your family’s head and ensure the bills continue to be paid? If […]

What do physicians, surgeons and dentists have in common? Besides being in the medical field, these are occupations that are not thought of as being physical jobs. This couldn’t be further from the truth, as many medical professionals have their careers significantly altered or even ended by injuries. This was illustrated in recent days in […]

When you’re searching for a disability insurance policy, do you know how to determine which policy is best for you? One way to do so is to learn how to spot the differences between different disability insurance definitions, riders and provisions. Waiting periods This is how long you must wait before you will receive your […]