Disability Insurance Law Blog
The Pre-Existing Condition Provision in A Disability Insurance Policy
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesMost employer-provided Long Term Disability policies and some individual disability insurance policies include an exclusion for disabilities caused by a pre-existing condition. Generally, a disability insurance pre-existing condition is defined as a mental or
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.
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesOften, 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
Am I Required To Undergo To An Examination Requested By My Disability Insurance Company?
On Behalf of Disability Insurance Law Group | | Application ProcessNearly every disability insurance policy contains a provision giving the insurance company the right to have a claimant (a person who has filed a disability insurance claim) examined by a doctor of
The Type Of Disability Insurance Policy That You Have May Affect Your Rights And Obligations Under The Contract And Law
On Behalf of Disability Insurance Law Group | | UncategorizedThe type of disability insurance policy that you have may affect your rights and obligations under the contract and law. Typically, disability insurance policies will fall into one of three
Social Security Benefit Offsets And Reimbursement Requirements
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesLong term disability insurance provides income to workers whose earnings are interrupted by a lengthy period of disability. However, it is important to recognize that under the terms of most employer-sponsored
Has Your Insurance Company Hired A Biased Doctor To Support A Denial Or Termination Of Your Claim?
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsHas your insurance company hired a biased doctor to support a denial or termination of your claim? A significant portion of disability insurance litigation is dedicated to the issue of
The Importance Of Understanding Your Policy’s Terms And Limitations
On Behalf of Disability Insurance Law Group | | Application ProcessThere 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
Things You Need To Know Before You Submit To An Interview By Your Disability Insurance Company
On Behalf of Disability Insurance Law Group | | Appealing A Claim DenialOften, insurance companies will require that claimants submit to an interview during the application stage and periodically during the administration of a claim. These interviews can either be in person, called
What Is ERISA?
On Behalf of Disability Insurance Law Group | | ERISAERISA stands for the Employee Retirement Income Security Act which was passed by Congress in 1974 and signed into law by President Gerald Ford on Labor Day, September 2, 1974.
Preparing For A Possible Disability Claim
On Behalf of Disability Insurance Law Group | | Application ProcessOur Firm often receives inquiries from individuals who are currently working, but due to the nature of their particular illness or injury the possibility of filing a disability claim at some point in