If you’re covered by an American General or AIG policy through your employer, you may wonder what to expect when it comes to seeking long term disability benefits through this policy. Navigating the world of disability benefits can be a challenge, especially when you’re dealing with a behemoth insurance carrier…
Assurity doesn’t operate quite like other long term disability carriers, and it offers some unique products—most notably, individual long term disability policies that provide up to two years of disability benefits at an affordable price. Unlike employer-provided group disability policies, Assurity’s individual policies allow claimants to take advantage of a…
Northwestern Mutual is one of the biggest and most well-respected names in the disability insurance business. But when it comes time for a disability insurance claimant to sue to preserve their right to continued disability benefits, Northwestern’s sheer size and access to legal resources can create quite a battle. What should…
Are you asking yourself the question, “Do I qualify for disability insurance benefits?”? In this round table discussion, the disability insurance attorneys at Dell & Schaefer examine the topics: what are the terms of your disability insurance policy the definition of “pre-existing condition” why…
In this video and article gain insight into the most common medical reasons for a disability insurance claim. Disability insurance attorneys Rachel Alters, Gregory Dell and Cesar Gavidia discuss the TOP 5 Common Disability Insurance Claim Conditions. For an extensive review of your disability insurance company visit Diattorney.com for more…
Each long term disability insurance policy can be a bit different, even those that are issued by the same disability insurance carrier. Lincoln Financial recently took over Liberty Mutual, and in the process, took on responsibility for many of the short term disability policies Liberty issued and administrated. Because of…
Sun Life Disability operates throughout the U.S. and almost exclusively provides group long term disability (LTD) insurance policies. These group policies are usually purchased by employers on their employees’ behalf, and are governed by the Employee Retirement Income Security Act (ERISA). If Sun Life denies a claimant’s claim for long…
If you’ve recently received a disability insurance denial notice from Guardian Disability, you’re not alone – and you have options. Disability insurance carriers like Guardian tend to deny claims out of hand in the hopes that the claimant won’t pursue the matter further. If a disability insurance claimant does appeal,…
If you’re a claimant who has just received a letter from Mass Mutual indicating your long term disability claim was denied, you may wonder about your next steps. Can – and should – you sue Mass Mutual? Is there any chance of settling your claim outside of court? Do you…
One of the most difficult things claimants experience is asking their doctors to fill out forms and give physician statements as to how the patient’s medical condition makes it impossible for him or her to perform their job duties. This is the most important part of avoiding a disability insurance…