When you move money into your retirement investment accounts, it is easy to envision a secure and enjoyable future.  But it is difficult to get enthusiastic about the prospect of paying for disability insurance, especially long-term disability insurance. No one wants to think about a future where a physical or mental disability has such a significant impact on their life that they are unable to practice the profession that they’ve built their life around. But that future is a real possibility for professionals in every field. Statistics from a variety of sources show that approximately 20-25% of adults will suffer […]

Professionals are often surprised to learn that even though they’ve been paying premiums for years for a disability insurance policy from a respected insurance company, when the time comes to file a claim for benefits, they face a daunting uphill battle to recover a single dime. It seems reasonable to expect the insurance company to honor its obligation once you’ve provided basic medical evidence of your disability. But that is rarely the case. The medical evidence requested often requires months of testing, evaluation, and expert opinions and observations. Documentation must be meticulous. And then just when it seems like the […]