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Last Modified on October 20, 2015

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,...

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Last Modified on June 14, 2015

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...

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Last Modified on May 1, 2015

May marks the start of Disability Insurance Awareness Month (DIAM), a campaign started and sponsored by the nonprofit organization Life Happens. The goal of DIAM is to educate the public...

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Last Modified on February 23, 2015

Mr. “F” called our office, through co-counsel, when Unum terminated his long-term disability (LTD) insurance benefits. Although he had been receiving monthly disability benefits for years, Unum claimed he was...

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Last Modified on January 27, 2015

Life insurance claim denials can be disheartening, but they are not necessarily the final word in a claim, as beneficiaries can appeal denials when they think that insurance companies have...

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Last Modified on January 22, 2015

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...

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