The intent and purpose of long-term disability (benefits are to provide financial protection and income replacement to individuals who are unable to work for an extended period due to a disabling illness or injury. Unlike short-term disability or sick leave benefits, LTD benefits are designed to support individuals whose medical … Continue reading
As discussed many times in this blog, your relationship with your insurance company is one based on contract. Your insurance policy lays out the responsibilities and obligations of the insured and the insurer. The basic provisions of all insurance policies are that you pay insurance premiums to your insurance company, … Continue reading
When it comes to client’s who have been denied their long-term disability benefits, we have many that when they first contact us are surprised that their own insurance company would treat them so unfairly. They believe that since they have been paying their insurance premiums for however many years … Continue reading
Since the COVID-19 pandemic began in early 2020 most of the news surrounding the virus was focused on the number of hospitalizations and death that resulted from COVID-19 infections. Over the years as the COVID-19 virus has been better understood and immunity has increased with the roll out of the … Continue reading
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