The information you put on your long-term disability claim forms and monthly progress reports are all material representations by you to your insurance company—and must be factual! A recent case involving a man who has been alleged by the New York State...
Many years ago, before 1995, a professional could file a long-term disability claim on their own and likely get paid. After 1995, the industry changed dramatically. Many companies went out of business in the long-term disability space, claims were being denied...
{4:00 minutes to read} Most long-term disability policies have provisions which specify that you must be receiving appropriate care and treatment to receive your disability benefits. Long-term disability policies establish this concept through policy language,...
{3:00 minutes to read} In our previous article, we began to review the three components of a long-term disability (LTD) claim case. Below, we continue the discussion by looking at occupational duties of physicians, as well as total disability & residual...
{Read in 4:13 minutes} What does your disability insurance cover in the event you become disabled? Do you understand your policy? Some of the major features of disability insurance policies that you should be aware of are: 1. Own occupation coverage – This is...
