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Long-term disability (LTD) insurance is a type of insurance that helps replace your income if you can’t work for a long time due to a disability. This type of disability coverage can either be provided by your employer or you can purchase it yourself. Imagine you’re a financial officer in a company that provides long-term […]
Imagine being told one day that you can no longer perform the tasks you once took for granted; how would you survive? Almost everyone works to earn money to meet their needs, but unexpected events can occur. If you’re suddenly diagnosed with an illness, one that makes it impossible for you to continue doing your […]
Often, the insurance company will accept an insured’s claim when it is in the “own occupation” period, but then, when the policy switches to “any occupation” the insurance company will claim the individual can perform some job for which he or she possesses knowledge, skill or training. Basically the switch from “own occupation” to “any […]
When you sue because your long-term disability insurance company wrongfully denied your benefits, there are several types of damages your long-term disability insurance lawyer may pursue. First, you can get what are called “breach of contract damages.” These refer to benefits that the long-term disability insurance company should have been paying had they accepted your […]
It is recommended that you stay off social media. Social media is generally not a good idea for your claim. It can only get you in trouble and will not help your case. Often, people might feel well for a day but then the next day they can feel awful and can’t go to work […]
With long-term disability insurance claims it is basically where the insurance company and most disability plans say they would pay monthly benefits until the individual reaches the age of 65. So, if you are injured very young and get disabled, the insurance company might offer to pay a lump sum instead of the monthly benefits […]
Is there a formula used to determine my settlement? It’s determined by loss of earnings and loss of earning capacity within the accident. So, say as a grocery store clerk you were earning $15 an hour, and you were working 40 hours a week, and so we can quantify that amount of damages (earnings). If, […]
