Long Term Disability Insurance – “your job” vs. “your occupation” – understand the difference:

THE VOCATIONAL SIDE OF LONG-TERM DISABILITY

            Frequently, long-term disability contracts provide us with definitions for disabling conditions.  These definitions embrace the idea that your illness or disability affects your ability to perform “your job.”  Occasionally, policies also refer to “your occupation.”  These terms do not mean … Read the rest

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Have you dutifully paid your insurance premiums for a Long-Term-Care policy, and now the insurance company doesn’t want to pay the benefits they promised?

Has the insurance company tried to avoid paying your claim with confusing paperwork, impossible procedures, or unnecessary delays?

Learn more about Long Term Care Insurance denial.… Read the rest