Purchasing disability insurance can be a wise investment to protect yourself and your family, particularly if you’ve invested substantial time and resources in developing a professional career. However, it is important to make wise choices when selecting a policy to ensure that you get the most for your investment and that you have the protection you expect to receive. At Seltzer & Associates, we have focused on disability insurance for decades, so we have seen the problems that arise when policyholders do not understand their coverage limitations. Of course, we’ve also assisted in many situations where policyholders had the right […]

Hidden inside every long-term disability insurance policy is a clause that can cause tremendous problems for policyholders who don’t understand the insurance company’s requirements represented in the terms of art of that clause. The language will specify in some way that a policyholder is required to receive “appropriate care” for the condition that has led to a disability. If you fail to receive care that satisfies the insurance company’s requirements, then you may be considered to have violated the terms of your policy, and you could lose your eligibility for benefits. As a legal team focused on protecting professionals who […]