When a disability insurance provider fails to meet its obligations, the company could be liable for acting in bad faith, so it is important to recognize the signs of potential bad faith, especially with a sizeable disability insurance claim. High-earning professionals don’t reach the pinnacle of their profession by accident; they do so by working hard and making good decisions. One of those decisions is to secure disability insurance coverage to replace the substantial income they would lose if a disabling condition prevented them from practicing their profession. Insurance companies are willing to accept the premiums paid for these policies, but they are […]

When addiction affects a professional’s ability to manage business or perform critical aspects of their profession, they are often reluctant to seek the assistance available through their disability insurance policies and uncertain how to succeed with a claim while protecting their reputation. This is understandable. Unfortunately, insurance companies often play on this reluctance and uncertainty to avoid paying claims. It is important to understand whether the disability policy covers addiction, how the policy’s limitations and exclusions affect coverage, and how to present a well-supported claim while protecting sensitive information. In our decades of experience assisting professionals with disability insurance claims […]