Here’s the problem with travel and long term disability insurance claims: as far as the disability insurance company is concerned, whether your position requires that you spend 30% of your time in the air (or, more typically, in the airport lounge) or 60% of your time traveling, any claim that states that travel is a […]

Business owners are the last people who expect to become ill or unable to work because of an injury. They are generally disciplined individuals who demand a lot from themselves, expect to weather any setback in the short term and overcome most obstacles. When they are disabled, through an injury or serious illness, the first […]

One recurring issue that plagues disability insurance claims is that of an insurer’s reliance upon the opinions from a paper only medical review. This is often a surprise to claimants, because it sounds so absurd. A decision about whether or not you are disabled is not going to be made by your personal physician, nor […]

A relatively young computer engineer had her claim terminated by Met Life after being on claim since age 31. She is unable to work due to numerous illnesses, including asthma, allergic rhinitis, recurrent sinusitis, recurrent bronchitis, fatigue, depression, anxiety, insomnia, obsessive compulsive disorder, and cognitive dysfunction. At 39, her claim was terminated. There had been […]

Most of us receive insurance policies, employee handbooks and all kinds of printed material that are usually stuffed in file drawers and forgotten, until we need them. Then a frantic search begins and if you are very organized or lucky, you find what you need. If what you are looking for is a disability insurance […]