When you bought your long-term disability (LTD) policy, you saw it as an investment for the future. After all, you have a one-in-four statistical possibility of becoming disabled before you retire. Unfortunately, long-term disability insurers don’t always live up to...
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
Requirements for employee-sponsored long-term disability benefits
In today’s competitive business landscape, attracting and retaining talented employees is crucial for the success and growth of any organization. Offering comprehensive employee benefits is one of the key strategies companies employ to help ensure employee...
Points to remember about dismemberment insurance
Dismemberment insurance, often paired with life insurance in a package known as accidental death and dismemberment (AD&D) insurance, provides financial protection because of a severe accident. It offers peace of mind, knowing that if an accident leads to the loss...
Has a long-term disability insurer offered a lump-sum buyout?
Once your long-term disability (LTD) claim is approved and stabilized, the insurer may offer you a lump-sum buyout. You could obtain a considerable sum in exchange for ending your claim once and for all. A final lump-sum payment sounds great on paper, but it is...
What qualifies as a long-term disability (LTD)?
As people grow older they have a higher risk of developing medical illnesses, catching a disease or injuring themselves. These health conditions can disrupt a person's daily routine. That’s why there are disability benefit plans available. While some illnesses and...
How gaps in treatment can affect your long-term disability
When you’ve suffered an injury or developed an illness that keeps you from working, you may rely on your long-term disability policy to keep you afloat. Unfortunately, gaps in your medical care can put your benefits in danger. Whether you’re still trying to obtain the...
Can disability insurers commit fraud against consumers?
It is common to find stories about consumers committing insurance fraud, but you almost never hear about fraud on the part of insurers. Unfortunately, it can and does happen, leaving those who depend on their insurance without the coverage they purchased. Several...
Can strong medical evidence prevent a disability claim denial?
Many insurance companies that provide short-or-long-term disability coverage are notorious for denying valid claims. Sometimes, the claim denial might be an act of bad faith. Other times, the lack of supporting evidence can lead to a denied claim. Although disability...
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...
Case Result: McDermott Law gets insurance company to pay long-term care benefits and more
McDermott Law recently helped a client settle a claim for insurance benefits against his mother’s long-term care insurance company. The facts of this claim were particularly egregious. In the early 1990s, the insurance company convinced our client’s mother to pay it...
