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Category Archives: Long-Term Disability

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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 of a limb, sight, speech…

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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…

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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 injuries can quickly heal, other…

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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…

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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 years ago, an…

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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 insurers typically deny claims upon…

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