Appealing Your Long-Term Disability Denial

Posted on by David Goldberg Posted in Insurance Denials, Long-Term DisabilityTagged

When you have been rendered unable to work due to a medical condition that has led to a disability, the last thing you want to have is more problems to deal with. Most people think that because they have an insurance policy that covers long-term disability all they will have to do is apply for their long-term disability benefits and focus on getting better and back to work. The reality is that often legitimate long-term disability claims are denied by insurance companies.

While different long-term disability policies can vary in their terms, usually if you have been denied long-term disability benefits you have the option to appeal the decision through your insurance company’s internal appeal process.

How To Make The Most Of Your Appeal

No two long-term disability denials are ever the same, however, there are some steps you can take in appealing the denial of your long-term disability benefits … Continue reading

Social Media & Long-Term Disability Claims

Posted on by Ben Tarnow Posted in Insurance Denials, Long-Term Disability, Long-Term DisabilityTagged , ,

In today’s digital world social media has become a daily part of our lives, allowing people of all ages to share all aspects of their lives with their friends, family, and the general public with a click of a button. Many people make social media posts thinking that nothing hinges on them and look only for the approval of their followers and the public at large. However, for people who are applying for, receiving, or have been denied long-term disability benefits, the use of social media can have serious consequences that may jeopardize their chances of receiving the benefits they rightfully deserve.

Who Is Looking At Your Posts?

Long-term disability claims are filed by people who are unable to work due to a physical or mental health condition that is expected to last for an extended period of time. These claims are often complex and require claimants to provide detailed … Continue reading

Long-Term Disability Claims for Long-Haul Truckers in British Columbia

Posted on by Brian Jacobson Posted in Long-Term Disability, Long-Term DisabilityTagged ,

Long-haul truckers play a crucial role in keeping our economy moving by transporting goods across British Columbia, Canada, and internationally. The supply chain for all goods requires truckers to make it work, much more so in countries like Canada with significant amounts of undeveloped wilderness.

However, despite the essential nature of their work, long-haul truckers are not immune to the risk of injury or illness that could render them unable to work. Many of these truckers have long-term disability policies intended to help them financially when disaster strikes. Unfortunately for many, their legitimate long-term disability claims are denied.

Common Truck Driver Injuries & Conditions

Long-haul and other truckers are often engaged in hard and strenuous work, despite the popular view that the most significant aspect of the job is sitting and driving for long periods of time (which can be taxing on its own). Whether related to preparing their truck … Continue reading

Dentist Long-Term Disability Denials

Posted on by Brian Jacobson Posted in Insurance Denials, Long-Term DisabilityTagged ,

Long-term disability insurance policies for professionals, unlike other types of long-term disability coverage, are often individual plans, requiring a paramedical examination, with specific policy language. This is because dentists are potentially high earners in a profession that, generally speaking, requires them to stand, sit, or stoop, for long periods of time.

Like many professional long-term disability policies, dentist long-term disability policies usually contain more complex policy language than standard group policies, which can often offer insurance companies more opportunities to deny legitimate claims. An experienced insurance denial lawyer will be able to help navigate these policy issues while managing your claim.

Common Disabling Dentist Injuries & Conditions

Any number of injuries or conditions can impact a dentist’s ability to work to the point of disability. Some of the more common injuries are:

… Continue reading

Can My Insurance Company Deny My Critical Illness Claim?

Posted on by David Goldberg Posted in Insurance Denials, Critical Illness Claim Denials

Having a critical illness insurance policy in place offers a sense of security and financial protection in times of medical emergencies. Unfortunately, there are instances where insurance companies deny critical illness claims, leaving policyholders confused and frustrated. While critical illness insurance denials can be devastating, it is important to understand the common factors behind denials of critical illness claims by insurance companies.

Critical Illness Policy Exclusions

Insurance policies for critical illness coverage often have very specific exclusions and limitations regarding critical illnesses. It is important for policyholders to understand these exclusions and ensure that their claim falls within the covered conditions. For example, some policies may not cover certain types of cancer or pre-existing chronic conditions.  While multiple sclerosis may be covered, often systemic sclerosis is not.  An insurance company will not pay out benefits under a critical illness policy unless the specific illness you have is listed in the … Continue reading