When you file a disability claim with your insurer, you expect to start receiving benefits as soon as possible. However, it is not an automatic process. Mistakes with your claim can lead to delays or even a denied claim, which is why it is essential to understand what...
Disability & Life Insurance and ERISA Attorneys
Doing What’s Right For Greater Colorado and the Rocky Mountain Region
Disability & Life Insurance and ERISA Attorneys
Doing What’s Right For Greater Colorado and the Rocky Mountain Region
How a medical evaluation can help during a disability appeal
Someone in need of disability benefits will submit an application to the insurance company, an action which hopefully results in weekly benefits. Some people have benefits provided by their employers, while other people have disability policies that they purchase on...
2 tips when you’re filing a disability insurance claim
Disability insurance protects workers who are unable to work due to their medical condition. Employers offer this insurance type as a short-term disability (STD) policy, covering you immediately, or a long-term disability (LTD) policy, replacing your income should the...
3 signs a disability insurance company deceived you
If you have taken out disability insurance coverage on your own, you will need to work directly with the insurer. This includes obtaining information about the policies and paying premiums. Individual disability insurance can supplement a plan you get through work....
Why do employers offer disability insurance?
Employers can offer disability insurance as a perk to their employees. The employees will often buy into this plan in a group setting, so all of them are covered under the same general policy. If they get injured, then they can get benefits for a short-term...
Why would an insurance company deny disability benefits?
You suffered a disability through injury, but you knew that you had a group insurance policy. This was provided by your employer, and it gave you some level of security. If you were disabled, the insurance policy was supposed to provide you with disability benefits....
Why does your insurer want an independent medical exam?
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...
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...
