When you’ve paid an insurance company for a long-term disability policy and a time arrives when you need to use the policy you’ve paid for, it is extremely frustrating when the insurer denies your claim. Unfortunately, it’s not at all uncommon. Insurance companies make money by paying out as little as possible, so they rarely miss a chance to say “no.” And they’ve become quite adept at presenting legal arguments to suggest that you have no hope of succeeding if you file an appeal. But the fact is that it often takes legal action to get the benefits you are […]

While all insurance policies are complex, those that are designed to provide assistance when you are unable to work due to a disability seem to be among the most complicated. One reason these policies are often so hard to employ is that they are governed by different laws depending on the specific type of disability insurance policy you are trying to enforce. The federal ERISA laws establish obligations that apply to certain types of disability insurance but not all policies. If you are reviewing your disability insurance coverage, need to file a claim, or want to appeal a denial or […]