Category: Individual Disability Claims

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 […]

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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.

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 […]

While long term disability policies may be of assistance to individuals in some situations, there is often more than one place from which a disabled individual could receive benefits. Workers’ Compensation, Social Security and State Disability Insurance could also be available. Individuals who have long term disability policies should know that any benefits received from […]

If you are working with your insurance company to get the long term disability insurance benefits to which you are entitled, you may be unsure of how to go about things. As a result you may believe you need to turn over all of the documentation they request. This is not always necessary and caution […]

Nobody dreams of the day when they can make an individual disability insurance claim. If you find yourself faced with this, it means that you have been injured or become so ill that you are unable to work. Just because your individual disability insurance claim was denied does not mean you should give up. Instead, […]

You buy insurance to protect many important things in your life. For example, home insurance protects your dwelling and many of your valuables. Car insurance protects your vehicle. While there is nothing wrong with buying these types of insurance, you may not be protecting your greatest asset: you. Most people who shy away from buying […]

If you’re choosing an individual long-term disability insurance policy, selecting from among the various policies and options can seem overwhelming. You want to get the most coverage for your money. However, sometimes saving money on premiums can mean paying a lot more out-of-pocket down the road if you need to make a claim. When younger […]

Post-traumatic stress disorder (PTSD) can be considered a disability when it impacts your ability to work. As such, you may be entitled to benefits in California. To claim them, it’s very important to document your symptoms, some of which could include the following: 1. Intrusive memories. You may have dreams or flashbacks that recreate the […]

If you suffer an injury or illness and are unable to work for an extended period of time, one of your primary concerns is obviously how you will support yourself and your family. That’s in addition to how you will pay for medical care, physical therapy and other costs involved with your treatment. If you […]