Category: Individual Disability Claims

Americans are currently choosing their employee benefits for the upcoming year. One employer-provided benefit that too many people neglect to take advantage of is long-term disability insurance. Many companies offer this insurance to their employees at a very low rate and without the possibility of being turned down because of pre-existing conditions. No matter how […]

Family leave time has been a hot topic for a while now, and as many of our readers know, the U.S. is the only country that doesn’t require employers to provide paid maternity leave. Although California’s family leave laws are more generous than those of many states, employers aren’t required to provide paid leave for […]

You may think that you’ll never need disability insurance on the grounds that you’re really not likely to become disabled, so paying for coverage is a waste of money. While the frequency of car accidents shows why auto insurance or health insurance can be so necessary, there is not nearly as much press about disabled […]

The NCAA made a recent historic decision to allow its members to purchase career-ending disability insurance for its early-round, draft-bound athletes and allowed college athletes to borrow against future earnings to purchase these plans. The decision itself is a triumph, because it has the potential to benefit not only the athlete, but the college or […]

In your mind, you think you should receive individual disability benefits shortly after filing. On the other side of things, your insurer may have a different idea. They are not interested in paying your benefits and can decide to deny your claim for a number of reasons. There is a lot that goes into overcoming […]

When it comes time to consider the purchase of an individual disability insurance policy, some details deserve more attention than others. In general, you need to compare the cost of coverage against the benefits. In other words, answer this question: Are you willing to pay for what you get in return? Before you do anything, […]

If September taught us anything about hockey, it’s that concussions are as serious a problem as ever. Just look at these recent headlines: (via NJ.com) (via Fox Sports) (via CBS Sports) When the NHL season kicks off this week, it’s sure to bring exciting games, hard hits and cringe-worthy injuries. The rough nature of hockey […]

When you purchase an individual disability insurance policy, you hope you will never have to use it. Even so, you realize that something bad could happen at some point. In this case, it is important to do whatever it takes to obtain the benefits you deserve. If you receive a claim denial, you may be […]

If the time comes to complete an individual disability application, it is imperative that you do so in an error-free manner. One mistake, no matter how big or small, could cause a major delay. Insurance companies are not in the business of paying out every claim they receive. Instead, they don’t do this until they […]

Many people do not get disability insurance because they do not think that they will ever need it. However, others are mistakenly under the assumption that if any disability or illness keeps them out of work, they are covered by their employer, either through their sick leave policy or through their benefit plan. Some employers […]