Some long-term disability benefit plans provide you with disability benefits until retirement. However, once you retire and begin getting Social […]
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What Are “Substantial and Material” Duties of My Own Occupation?
Long-term disability plans typically measure whether your medical condition prevents you from doing either your own occupation or any occupation. […]
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Practical Tips for Dealing with Your Insurance Company in Seeking Long-Term Disability Benefits
Your insurance company should accept the recommendation of your treating physician. However, your choice of doctor can affect the success […]
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Can I Get Punitive Damages if My Insurance Company Denies My Claim in Bad Faith?
Only select states, including the state of California, permit insureds to file claims against their insurance companies for denying their […]
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What are “Self-Reported Symptoms”?
Most employer-sponsored long-term disability plans contain numerous provisions that are not beneficial to the employees who are eligible to receive […]
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Only Four in Ten Americans Have Disability Insurance Coverage Through Employers
The Harris Poll on behalf of OneAmerica recently conducted a poll of American workers to determine if they had disability […]
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How Do I Know if a Disability is Long-Term?
Long-term disability insurance policies differ in determining when a disability becomes a “long-term” disability as opposed to “short-term” disability. In […]
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What is the Difference Between the De Novo and Abuse of Discretion Standards of Review?
When you have exhausted your internal or administrative appeals for the denial of ERISA-governed long-term disability benefits through your insurance […]
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Different Definitions of Disability in Long-Term Disability Insurance Policies
The term “disability,” as used in a long-term disability insurance policy, refers to the criteria that the insurance company uses […]
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Long-Term Disability Benefits for Cardiovascular Disorders
Cardiovascular disorders are a frequent source of individuals’ inability to work and decisions to file a claim for long-term disability […]
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