Category: Wrongfully Denied Claims

If you’re given the opportunity to appeal the wrongful denial of your disability insurance claim, should you do it? In the latest installment of our Disability FAQ video series, we explain how an appeal may benefit the insurance company more than it benefits you – and what your other options are.  

One form of benefit that many people turn to if they become disabled long-term or permanently comes from Social Security disability insurance. While most experts do advise that you have some other disability insurance policy, especially if you work in a career where safety risks are higher than others, Social Security is actually a form […]

If you’re filing a disability insurance claim, your insurance company will want to speak to your treating doctor about your condition. In the latest video of our Disability FAQ series, we explain the kind of health information you need to provide to your doctor before they speak to the insurer about your disability claim.

When you purchase disability insurance, you expect the insurance company to act in good faith if and when you need to file a claim. Unfortunately, insurance companies are not in the business of paying every claim they receive or paying all claims in a timely manner. Instead, they may resort to bad faith tactics in […]

When you buy individual disability insurance, you expect your insurance company will act in good faith if you need to file a claim. However, it’s very common for bad faith – also known as an insurance company’s attempt to delay or deny payment on a legitimate claim – to occur, especially when the claimant is […]

In California, individuals are often protected by both the Americans with Disabilities Act and the Fair Employment and Housing Act. The first is a federal law and the second a state law. To sue an employer under FEHA, a person has to qualify as a disabled person. While qualification is sometimes obvious — a court […]

If you’re filing a disability insurance claim, your insurance company will probably ask you to submit to a functional capacity evaluation. In this video, we explain what to expect during this evaluation and how it may affect your claim.

Some experts have found that people are too quick to give up when they file a disability claim and then are turned down. When that denial comes in the mail, it’s just so devastating that they decide not to do anything about it. However, you can put in an appeal for many reasons, so it’s […]

Are you thinking about filing a long term disability insurance claim? In this video, we explain the factors to consider before requesting claim forms, such as: How do you know if or when you’re considered disabled? Do you have difficulty with the primary or material duties of your occupation? Are your earnings plummeting as a […]

If you’re filing a disability insurance claim, your insurer will send a request to gather your personal information. How much information is too much to share? In this video, Frank Darras explains what insurance companies will ask for and what they’re legally entitled to.