Having a pre-existing medical condition could make it harder for you to get long term disability (LTD) benefits from your insurance company. There are limits to what an LTD benefits insurance plan will cover. They’re described in your insurance policy as “exclusions.” Exclusions are written into every LTD insurance policy. The purpose of these exclusions […]
Private versus Group Disability Denials: What You Need To Know
People purchase disability insurance to provide supplemental income in the event that they become too ill or injured to work. There are two types of long-term disability insurance policies: group and private. Group disability insurance policies are purchased by employees as part of a “group” insurance plan provided by their employers. Private disability policies are […]
Failure to Follow Prescribed Treatment Could Cost You Disability Benefits
If you are filing a claim for long-term disability benefits, always follow your doctor’s instructions and review your disability policy. You may lose your disability benefits if it can be determined that you failed to follow prescribed treatments. Don’t let this happen to you. Insurance companies like to use failure to follow prescribed treatment as […]
Group vs. Individual Disability Insurance: Appealing a Denial
Buying disability insurance is a good idea if you don’t have enough savings or other means of income to support you if you are unable to work for a period of time due to illness or injury. There are two types of short term and long term disability insurance plans: group and individual. Group plans are […]
An Independent Medical Exam Could Determine the Outcome of Your Long-Term Disability Claim
When you file a claim for long-term disability benefits in Houston, it’s not uncommon for an employer, insurance company or legal counsel to request that you submit to an Independent Medical Examination (IME). However, in many cases, these examinations are anything but “independent.” In order to collect long-term disability benefits, you must establish that your […]
When Physical Disabilities Result in Psychological Problems
It’s not uncommon for people who have been disabled due to injury or illness to develop psychological problems, such as depression, as a result of their condition. Sometimes, these psychological problems can be as much of a hindrance to their ability to work as their physical condition. How does this affect people trying to get […]
