Your disability insurance company certainly wouldn’t take a determination of your disability from a doctor you’ve never actually met in person – but that’s essentially exactly what happens when your claim is denied. The insurance company’s doctor, a person you’ve...
Disability Insurance Benefits And ERISA Attorneys
Doing What’s Right For Greater Colorado
Disability Insurance Benefits And ERISA Attorneys
Doing What’s Right For Greater Colorado
How long of a delay in an insurance payout is reasonable?
Social Security disability programs and even insurance provided by your employer could be too low to really protect you from a disabling medical condition or unexpected injury. Those with families to support and who are used to earning an above-average income will...
The distinction between long-term and short-term disability insurance
Most of us head to work each day with disability or injury being the last thing on our minds. While there is no need to obsess over the prospect of being unable to work, there is no harm in being prepared. Disabling conditions or injuries can affect anyone. Certain...
Why would a long-term disability claim be denied?
There are all kinds of reasons why your long-term disability claim could be denied despite the fact that you deserve it. Usually, these LTD denials happen early in the initial stages of a claim, but they can happen later, too. Unfortunately, after being denied, you...
What qualifies as a short-term disability in your plan?
When you cannot work for some time, you need a backup plan to ensure your financial needs are met. That’s where a short-term disability (STD) insurance policy comes in - to provide a portion of your salary when you have a condition or injury that prevents you from...
Qualifying for SSDI
It is sometimes necessary for a person to go on SSDI and use their long-term disability insurance in Colorado, especially if they have experienced a traumatic brain injury. These resources can be essential for the support and well-being of a person with a disability....
Individual disability insurance: An overview (and what to do if your claim is denied)
Planning for the future allows us to create a safety net in case the unthinkable happens. A serious injury or debilitating disease could make any of us unable to work. However, one way to prevent suffering a huge financial loss is to purchase an individual disability...
What kinds of back problems can qualify you for disability?
Back pain is a part of life. Some experts believe that up to 80% of people will experience some form of back pain at some point in their lives. But if you suffer from intense, constant and debilitating back pain, it’s a different story. Some forms of back pain are so...
Disability insurance and public benefits
People in Colorado are lucky in that they can access public disability benefits if they're injured on the job or can't work any longer. Some of them even have private disability insurance. This may be provided as a benefit by an employer. Some people pay for it...
How to recognize a bad faith denial
Long-term disability (LTD) insurance puts two opposing interests against each other. On the one side, it is a person in need of benefits to continue after becoming disabled. On the other is their insurance company who would like to pay as little as possible. The term...
