The term “pre-existing condition” has practically become synonymous with “claim denial” when it comes to disability insurance. There is a general expectation that if you had a medical condition before, you’ll have trouble getting any benefits if you suffer subsequent problems or complications that are in any way related to the original condition. But you have rights when it comes to disability insurance, and insurance companies do not have blanket authority to deny all disability claims on the grounds of “pre-existing conditions.” Disability insurance attorneys know that insurance companies often deny claims or discontinue benefits wrongfully, so it is important […]

When you need to file a claim under a disability insurance policy, or you’re trying to determine what kind of disability insurance coverage you need, it is important to understand the distinction between short-term disability insurance and long-term disability insurance. The policies are quite different in several key ways. Questions about when you qualify for benefits and how much you are eligible to receive will vary depending on the terms of your policy. While every disability insurance policy is unique, there are some basic differences between short-term and long-term disability coverage. An attorney who works with disability insurance claims can […]