After filing a short- or long-term disability claim, you may be required by your insurance provider to attend a so-called independent medical exam (IME) (the more appropriate term is Insurance Medical Exam). IMEs are physical exams conducted by licensed doctors who...
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
Are You Protecting Your Paycheck & Financial Future?
Do you rely on your paycheck every month to cover your essential expenses? How long would you be able to support yourself if you were unable to earn a living? Although it can be grim to think about the answers to these life questions, the reality is that accidents...
Cigna Disability Coverage for Lockheed Martin Employees
Headquartered in Bethesda, Maryland, Lockheed Martin is a global security and aerospace company that employs approximately 126,000 people worldwide and is principally engaged in the research, design, development, manufacture, integration and sustainment of advanced...
Disability Insurance Company Surveillance: What You Need to Know and Their NEW Tactic
When disability claims are filed with insurance companies, the investigation of your claim may often involve the hiring of an investigator to surveil you to verify whether you are truly disabled and entitled to the benefits of your insurance policy. Many people are...
3 Myths about Disability Insurance Dispelled
Many people understand that having various types of insurancecoverage can provide them with an important safety net in the event of an accident or other adverse event that life has in store for them. While this may be one of the main reasons people purchase policies...
3 Important Facts to Know about Disabilities & Disability Insurance
Knowing the facts about disabilities can underscore just how important it is to have disability insurance coverage. To this end, below, we have presented some essential facts to understand about disabilities. Disabilities & Disability Insurance: Here’s What You...
Long-Term Disability Insurers’ History of Wrongfully Denying Claims
LTD insurers continue to wrongfully deny claims. While there has been some exposure of the nature and extent of the tactics used by insurance companies to wrongfully deny disability claims, the practice continues. This is especially the case if the LTD insurance...
FAQs about Long-Term Disability Benefit Offsets
Long-term disability (LTD) insurance policies commonly contain provisions regarding “offsets.” These provisions are usually called “Deductible Sources of Income.” The purpose of the provision is to allow the insurance company to reduce the amount of payable...
Elimination Periods for LTD and LTC Policies: Here’s What You Should Know
If you have long-term disability (LTD) or long-term care (LTC) insurance, your policy will have what is known as an elimination period associated with it. Understanding what elimination periods for LTD and LTC policies are and how they can impact your current or...
Facts & Statistics Regarding Disability Insurance Coverage in the U.S. (Pt. 2)
Continuing from Facts & Statistics Regarding Disability Insurance Coverage in the U.S. (Pt. 1), below is some additional important information about long-term disability insurance coverage for American workers. This data is based on research conducted by the...
