Shopping for a policy.
There are six disability insurance companies in the United States, and you can check their ratings at Moodys.com Standard & Poors.com or Ambest.com; however, company strength is not the only criteria.
One of the most important criteria is the claims payment and claims denial rate of the long-term disability insurance company. You may have the most financially secure disability insurance company, but one which has the worst record in claims payment.
Answering these broad-based questions isn’t easy. Help is a phone call away. You can contact Nancy Cavey, an experienced long-term disability attorney at 727-894-3188.