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...
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 can you appeal a denial for a disability insurance claim?
Colorado residents like you may need the support of disability insurance. You must go through a process where you make a claim. In some cases, you get access to benefits through claim approval. But in some cases, you have to deal with a denied claim. Fortunately, it...
Some risks can lead to denied disability insurance applications
Many professionals purchase individual disability insurance (IDI) to supplement employer-provided disability insurance or because an employer does not provide short-term or long-term disability coverage. Insurance companies that offer IDI rely on extensive screening...
Employer-provided vs. private LTD insurance
Long-term disability insurance is a blessing for someone who suffers an illness or injury that keeps him or her from working for a long period. It provides supplemental income to cover basic needs when a person cannot earn money his or herself. Many employers offer...
Independent medical exams for short-term disability claims
Short-term disability benefits or STD benefits provide income for those who miss work for at least seven days. If a person cannot perform his or her job duties, then he or she may deserve 60 to 100 percent of pre-disability earnings. When you apply for STD benefits,...
How do short-term and long-term disability differ?
If you are fortunate, your employer provides you with both short-term and long-term disability insurance. If not, you may wish to consider purchasing these types of insurance for yourself, particularly long-term disability insurance. Policy Genius explains that both...
What can you do when your IDI claim faces rejection?
Many employees receive disability insurance through an employer sponsored plan. But as a professional, you might buy your own. Medical professionals, lawyers and executives often pay for individual disability insurance (IDI) that can provide broader benefits. Yet, the...
How do you appeal a denied ERISA claim?
There are several different types of long-term disability insurance, and the details of your policy may have a significant impact on the appeals process if your claim gets denied. If you get your LTD insurance through your employer, chances are that your claim falls...
What does short-term disability insurance cover?
Disability insurance is a type of coverage that provides you with benefit payments when you cannot work due to an illness or injury not covered under other types of insurance, such as workers' compensation. For example, if you suffer injuries that prevent you from...
What to know about long term disability insurance
We rely on insurance companies to be there for us when an event or condition prevents us from making financial ends meet. Long term disability (LTD) insurance policies are meant to provide monthly payments in case of a disability that lasts six or more months. Whether...
