When Coloradans apply for long-term disability benefits, the issue of what is considered a disability will often come into play. The insurance carrier may deny the claim by saying that you are not really disabled. This decision is made on a case-by-case basis. A...
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
Will my long-term disability insurance cover mental health?
The importance of good mental health has become a hot topic in recent years. Many employers and schools are now approaching mental health in the same way they do physical health. But are insurance companies doing the same, especially when it comes to claiming...
LTD insurance: Own occupation versus any occupation claims
Long-term disability claims in Colorado can be challenging. Maneuvering the disability claims process requires an essential understanding of a number of factors. One important issue is knowing the distinction between own occupation disability insurance versus any...
Is long-term disability insurance right for you?
Colorado offers residents short-term disability benefits at no cost. Those who find themselves disabled may be able to receive benefits for up to 180 days. However, the state doesn't offer cost-free long-term disability insurance. You'll need to buy it For those who...
How do permanent injuries affect a lawsuit?
Most successful personal injury claims in Colorado cover costs that pay for your medical care and lost wages until you're ready to go back to work. However, a permanent injury can't be covered with a set of limited costs. You'll require medical care for the rest of...
When cognitive impairment prevents you from working
People who suffer from cognitive impairment often live in a world of uncertainty. They have difficulty thinking, understanding, learning, making decisions and remembering. Cognitive disabilities can be caused by a number of things, including traumatic brain injury,...
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...
Why do I need get long-term disability coverage?
Long-term disability insurance is one of the benefits your employer may offer. While many employers will pay a portion of the costs for you, you may have to cover the full expense. This may have you wondering if it is worth it to get this insurance. NPR explains that...
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...
What happens if insurance denies my LTD claim?
You don’t expect to have an illness or injury leave you unable to work. But if something does happen, you may have long-term disability (LTD) protection to protect lost wages. Check with your employer to see if you have LTD, either because the employer provided it to...
