Category: Long-Term Disability Insurance By Career

Our clients often want to know whether the monthly benefits they’ll receive from an individually purchased or employer-sponsored group long-term disability insurance policy will be subject to federal or state tax liability. While there are certain guiding principles that play a role in answering this query, it’s best to get real tax help to be […]

If a life-changing sickness or injury results in a long-term disability, insurance companies are expected to work with claimants to evaluate the claim in good faith. Unfortunately, many disability insurers treat their customers as ATM machines: good for taking premium money without returning the monthly disability benefits they’ve agreed to pay in a timely manner. […]

Many healthcare professionals have called on Darraslaw with questions about the finer points of their long-term disability (LTD) policies and benefits. An injury or illness may keep them from performing their own occupation — one that they may have held for years—but they are still able to work jobs that are not as physically demanding. […]

If a long-term disability (LTD) insurance provider subject to the Employee Retirement Income Security Act, or ERISA, has denied part or all of your claim for disability benefits, you do not have to take “no” for an answer. You have the right to timely and comprehensively appeal the claim denial so that you receive the […]

Throughout the coronavirus outbreak, the public and media have focused a great deal of attention on the impact of medical doctors – and rightly so. However, the economic and mental impact on other professions, especially dentists, is also immense. This week, a United States Senator from Maine, Susan Collins, discussed this very issue. Americans are […]

Like many cases brought under the legal provisions of the Employee Retirement Income Security Act (ERISA), Van Steen v. Life Insurance Company of North America (LINA) began when Mr. Van Steen’s long-term disability insurance company, LINA, wrongfully terminated his long-term disability benefits. The judges eventually agreed with Mr. Van Steen and reinstated his long-term disability […]

We all need insurance. It’s a basic necessity to protect us from accidents and unforeseen tragedy. Unfortunately, many insurance companies are experts at denying claims. In the event that you submit a claim, your insurance company may try to misconstrue your injuries, medical records, and even the events leading up to the moment you filed […]

No one can foresee all of the mishaps that will turn up throughout life, but we can learn from the mistakes of others, taking care to prepare for events that disable people every day. Individual and group long-term disability insurance is one item that prudent people buy to prepare for the unexpected. From car insurance […]

As an IT professional, you are invaluable to the company you work for, providing the information technology support they need to keep operations flowing smoothly. If something were to happen to you it would be a large blow to the company but, more importantly, it would be a big financial blow to you and your […]