Many Long Term Disability policies say that you if are unable to perform your regular occupation you may be entitled to Long Term Disability benefits. But what does regular occupation mean? Regular occupation means the occupation you are in at the time that you became disabled. In Dionida v. Reliance Standard Life Insurance 50.fsupp2d.934 (N.D. […]

Disability insurance companies like to collect premiums but fight hard to protect their cash reserves, denying claims. Unfortunately it is not uncommon for Long Term Disability insurance companies to deny or delay a claim, which can lead to financial disasters for Long Term Disability policyholders. It is important that you understand the Long Term Disability

Financial pre-planning does not begin and end with the purchase of your Long Term Disability policy. That’s only the beginning! You still have to make significant plans for your financial future. If you suffer from a gradual onset disease like degenerative joint disease, Parkinson’s disease, Lou Gerick’s disease, multiple sclerosis or even Alzheimer’s, the disease

There are many stumbling rocks in the disability process. Before a medical professional considers filing a claim for disability benefits, there is help available. You have a difficult decision to make about whether and when to apply for disability benefits and how to maintain your practice as you move through the disability process. Disability claims

The Long Term Disability carrier is going to be asking you basic questions in the disability application and will most likely want to do a field interview with you. Your disability application should be reviewed by a disability attorney, and you should never give a field statement or even talk with the adjuster on the

When you purchased your Long Term Disability policy hopefully you also purchased an overhead disability insurance policy. When is the last time read that policy? Most policies agree to “pay benefits during a period of disability for covered overhead expenses which pile up while you are totally disabled after the elimination period.” These policies can

1. You need advice and assistance in completing your claims form and other insurance company requests. Accurately completing your application is the key to the successful claims process. This includes picking the right date of disability, making sure your disability condition is covered and is not excluded by a pre-existing clause, determining your pre-disability earnings.

Long Term Disability companies, including UNUM, routinely make doctor to doctor calls to persuade your doctor that you are capable of working. It always looks better for UNUM when they deny your claim if your physician supports that denial. Did you know that UNUM will cold call doctors when they are busy hoping to catch

Many carriers will offer you the assistance of a third party vendor such as Alsup or essentially assist you in receiving Social Security Disability benefits. Unfortunately, it is not uncommon for companies like these to try to get you to file a Social Security Disability claim based on the wrong condition or a condition that