If You Are A Professional, Why You Should Have Attorney Nancy Cavey Prepare Your Initial Application Doctors, lawyers, accountants and others with advanced degrees purchased a disability policy to protect their income and lifestyle. Disability carriers regularly dispute a policyholder’s occupation (despite what the policy says), pre-disability income, limitations on the ability to perform the […]

If you have purchased a disability policy and are no longer able to work or your physician has told you to stop working, it is time to apply for your benefits. But picking the wrong date to stop working can destroy your claim. Pre-existing Medical Condition Clauses Many disability policies include a clause that says

Before you stop working or apply for benefits, get a copy of your disability policy and read it cover to cover. There are many traps in disability policies and limitations on coverages that you must understand before your stop working or apply for benefits. In my book, “Everything You Need to Know About Your Long