In literal terms, an insurance company cannot require a policyholder to do anything. But, as a practical matter, insurance companies often wield significant power.  We purchase insurance to protect us in times of emergency, and when an emergency occurs, we rely on the resources provided under the insurance policy to keep us in good financial condition. So, if the insurance company says we need to do something in order to receive payments, we generally try to comply. For instance, if the company that provides our disability insurance requests copies of test results and examination records from a specific date, we […]

It’s no secret that insurance companies are happy to sell you a disability insurance policy and not at all willing to pay benefits when you suffer from a disability and need to file a claim. These companies have become experts at finding reasons to deny claims. The sad fact is that even when coverage should be clear and obvious, insurance companies dig themselves so deeply into the denial trench that many claimants are unable to receive benefits without the assistance of an attorney who focuses on resolving disability insurance claims. One question that naturally arises for many disability insurance claimants […]