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 […]

The more skills, experience, and reputation you build as a professional, the greater the impact can be if a disability suddenly prevents you from practicing your profession. You have obligations to meet. People are depending on you. An entire business may be riding on your shoulders. Your disability insurance should provide critical resources to cover your expenses while you are unable to work. But insurance companies can make it notoriously difficult to recover the benefits that should be provided under the terms of your policy. They may insist—wrongly but vehemently–that you are still able to perform critical job tasks and […]

When you own a business, your situation is like climbing to the top of a mountain. You’ve surmounted untold obstacles and reached a pinnacle of achievement. But if something goes wrong, you can fall a long, long way down. If you get injured or sick and you’re unable to practice your profession and run your business, you need to worry not only about the loss of income for your household but also the inability to pay the ongoing expenses of your business. Many professionals who own a practice purchase private disability insurance to provide income for support in this situation. […]

Having disability insurance is a great security measure to protect you against the unknowns of the future. But it is important to understand that disability insurance benefits and terms can change, and you need to be prepared for that possibility. It is important to review policy details periodically and consider speaking with an attorney who specializes in disability insurance to determine whether your coverage is adequate to meet your needs. At Seltzer & Associates, we don’t sell insurance, so we have nothing to gain by pointing out deficiencies in your coverage. We help policyholders when they need to prepare and […]

When you’ve invested time and resources to build your career, part of your success plan includes protecting yourself from foreseeable risks with insurance. You purchase car insurance with uninsured motorist coverage to protect you in case of a collision with an irresponsible driver. You purchase liability coverage for your property in case someone should allege that they were injured on your premises. And you purchase long-term disability insurance to protect you in case an injury or illness renders you unable to work. The question is, work at what? If you have what is referred to as an “own occupation” insurance […]

Most people don’t even think about calling a lawyer until they’re facing a problem. But often, the services of an attorney are most helpful when you want to avoid a problem altogether. Think about it this way: it’s a lot faster to do something the right way the first time than to wait for a problem to occur and then figure out what needs to be done to fix it. That is often the case when filing a claim for benefits under a disability insurance policy. An experienced Philadelphia long-term disability appeal lawyer can help prevent the need for an […]

When a disabling condition interferes with your ability to practice your profession, surgery is often touted as the miracle cure. Surgeons will repair whatever isn’t functioning, your body will heal, and then you will be as good as new. At least, that usually seems to be the expectation. The reality is often far different. Surgery may accomplish nothing helpful. Or it may not be enough to enable you to regain the functionality you need to perform delicate tasks. You may still be left with pain that prevents you from moving or even sitting comfortably, so that it remains impossible to […]

You could have access to millions of dollars in benefits to protect you from the vagaries of an unknown future. Or you might find yourself holding an empty bag. The time to find out is right now. Nobody wants to think about using long-term disability insurance. The thought of being saddled with a mental or physical disability that interferes with your ability to practice your profession is not one most of us spend time dwelling on. And that’s a fine approach—most of the time. But every once in a while, it is important to give the issue some thought. When […]

Society has moved on. COVID is old news for many people. But for many professionals, the effects of COVID-19 continue to cause serious problems that interfere with the ability to work. Insurance companies are skeptical, and this is leading them to deny claims and discontinue benefits for doctors, nurses, dentists, psychologists, and other professionals suffering the effects of what has come to be known as “long COVID” or “post-COVID-19 syndrome.” While all is quiet on the media front, new variants of COVID-19 are still emerging and still triggering life-changing illness. When the effects of any version of COVID-19 cause disabilities […]