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

This has been on my mind for some time and I have been trying to let my clients and perspective clients know about this so they can respond appropriately.  Many insurance companies use vendors to conduct video surveillance while the disability claimant is at their home.  There is simply no way to tell which files will be selected for video … Read the rest

Choosing the wrong type of Doctor to treat your fibromyalgia could cause insurance to deny your disability claim.

What type of Doctor should I see for fibromyalgia?
Many people see their family doctor for symptoms of fibromyalgia.  But if you have an increasingly serious case of fibromyalgia, you should consult a Rheumotologist.

The American College of Rheumotology (ACR) uses specific … 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