A federal court in Texas recently found in favor of a long-term disability (LTD) claimant whose insurer had terminated his benefits. The March 10 opinion illustrates federal rules for interpreting disability insurance policies. In Chavez v. Standard Insurance Co., the...
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Helping People Like You With Their Disability, Life And Long-Term Care Benefit Claims
Policy Terms And Limitations
What does your policy’s declaration page do for you?
Most Florida residents rely on the insurance company they work with to get their policies right. After all, they may not feel as though they have a choice in purchasing insurance in the first place, so they discuss coverage options and begin paying premiums.However,...
It is Critical to Have the Documents Governing a Benefits Claim Before Filing a Claim.
Whether you are insured under an individual insurance policy that you obtained on your own, or a participant under a group benefit plan that was provided to you as a benefit of your employment, it is critical to have a copy of the documents...
You could be severely damaging your disability insurance claim by phasing out your job duties or agreeing to a transition period before you officially stop working.
Often, after it becomes clear that an individual can no longer perform the duties of their occupation and must apply for disability benefits, they will attempt to work reduced hours and/or phase out their job prior to stopping work altogether. Usually, a claimant will...
The Importance of Understanding Your Policy’s Terms and Limitations
There is a plethora of disability insurance policies on the market and numerous coverage options, coverage limitations, terms, and definitions to consider and understand when applying for disability benefits, filing an appeal, renewing or changing coverage options, or...
Can signing a severance agreement with your employer affect your disability benefit claim?
Signing a severance agreement with your employer can hugely affect your disability benefits claim. In fact, by signing a severance agreement you can entirely waive your right to pursue your disability benefits claim. Most severance agreements drafted by...
Disability Insurance Policy Coverage and Denials
Recently, more and more disability insurance companies are denying claims on the basis that the individual or employee is not covered under the policy. More specifically, insurance companies are asserting that at the time the individual became disabled the policy at...