If you become ill and aren't able to work, you could qualify for disability insurance to cover bills and other household expenses. The insurance will cover a portion of your salary if you are ill or injured, but there are cases when your insurance provider will deny...
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
When denial of an LTD claim is bad faith
Disability in any form may incapacitate you in Denver, Colorado, but a mental health disability is harder to prove, especially if it is long-term. It is difficult for insurance companies to ascertain if someone with this kind of handicap is entitled to some benefits....
Considerations before filing an LTD appeal
A disability can be an enormous detriment to the well-being of a Colorado resident. When a disability prevents a person from holding down a job and earning an income on which to live, the individual can find themselves falling behind on bills, unable to support their...
What If My Employer Fails to Pay Long-term Disability Premiums?
Is your employer refusing to pay you the long-term disability premiums that they owe you? They may give you any number of less than agreeable reasons for their actions. Or they may not give you a reason at all. If this is the treatment you are receiving, the time is...
Disability Claims for Firefighters & Police Officers
Many firefighters and police officers in the state of Colorado enjoy the benefits of the Fire & Police Pension Association of Colorado (FPPA). The FPPA administers a state-wide, multiple-employer retirement system providing defined benefit plan coverage. In...
Hartford Approves Long-Term Disability Benefits
A career firefighter suffered from several work-related injuries. He made heroic efforts to continue working by pursuing every treatment option, including multiple surgeries, to improve his conditions. However, his doctors had grave concerns that he would ultimately...
How Can I Figure Out the Date of Disability for My Long-Term Disability (LTD) Claim?
When it comes time to file a claim against a long-term disability (LTD) policy, figuring out the date of disability will be pivotal to determining if the claim will be approved or when it becomes payable. Although this date may be relatively clear or definitive in...
Independent Medical Exams (IMEs) for Disability Claims: What to Expect
When a claim is filed against a short- or long-term disability policy, the insurance company may request that the claimant attend an independent medical exam (IME). IMEs are basically a visit to a doctor selected by the insurer, during which the nature and severity of...
Disability Benefits: Beware Facebook, Linkedin, and All the Rest
Be very careful what you post on your social media sites, such as Facebook and even LinkedIn. Everyone knows Facebook. We have previously posted about the dangers of exposing your personal life for all the world to see, because your disability insurance carrier...
Is Your Insurance Company Preparing to Terminate Your Long-Term Disability Benefits?
Convincing your insurance company to approve a long-term disability (LTD) claimcan be challenging. Keeping your claim in an approved status can be similarly challenging. After LTD benefits have been approved, insurance companies will continue to review the claim and...
