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December 2017 Archives

Don't overlook the benefits of disability insurance

Some employees may recognize that certain benefits offered by their employer are important, but they still may pass them up in favor of other things. For example, according to one survey by an insurance company and financial services organization, 65 percent of respondents did believe that people in general should have disability insurance. However, only 48 percent of respondents stated that they personally should carry such an insurance policy. And, a mere 20 percent of respondents reported that they in fact did have a disability insurance policy.

A denial of disability benefits need not be the end of the story

No one is guaranteed that they will stay in good health during the course of their career. However, whether it is cancer, a spinal cord injury or even something like arthritis, a person could find themselves in a situation that they never expected -- that they are too injured or ill to go to work for a significant period of time.

What are some common causes of long term disability?

Sometimes, it is a condition that comes on suddenly, while other times it is a condition that slowly develops, getting worse as time goes on. However, it happens, though, it is not uncommon for a worker to become disabled at some point before retirement. What are some common causes of disabilities that lead to missed work?

Don't let applying for long-term disability overwhelm you

Sometimes a person suffers from an ailment that will keep them from being able to work for a long time. While that person may ultimately want to go back to work, they will need some way to meet their financial obligations while they are disabled. This is when having a long-term disability insurance policy can be important. The following are some tips for those who are facing the prospect of applying for long-term disability benefits.

Professionals and Executives Filing Disability Claims

A serious diagnosis of any kind of disease and the prospect of a life-changing chronic condition is a challenge for anyone. But for an executive or professional whose identity is wrapped up in their work, the emotional aspect of becoming disabled can be as tough as the physical aspects. Type "A" personalities who gain a high degree of success because of determination and drive often have different responses to becoming disabled than others.

Insurance coverage and cancer: What women need to know

Everyone has the right to get back to feeling like themselves after a cancer diagnosis or resulting disability, but women, in particular, may face insurance obstacles, including obstacles with disability insurance. Here are a few things you might not know about insurance coverage and cancer.

Man claims wrongful denial of benefits in violation of ERISA

No one in America is guaranteed good health. While everyone will get their fair share of minor colds and injuries, leading them to miss a couple days of work, some are not so lucky and will suffer from a serious illness or injury that causes them to miss work for an extended period of time.

IS AETNA'S SALE TO HARTFORD BEHIND ITS CLAIM HANDLING CONDUCT?

A recent decision by a Federal Judge in North Carolina supports such a line of thinking. Here, the Court determined that Aetna failed to properly consider subjective evidence (a common theme of Aetna), as well as providing "scant attention" to the supportive medical evidence. Here, the claimant, a commercial pilot, was suffering from significant orthopedic problems, supported by testing results. Aetna denied the claim, asserting that the medical evidence did not support the inability to perform the material duties of his own occupation. Despite significant additional medical evidence being submitted on appeal, Aetna continued to refuse to accept liability.

What should be disclosed to those with disability insurance?

A person's employer might offer that person a variety of benefits as part of being employed. One of these benefits is disability insurance. While disability insurance can be very useful, some people may not know much about how such a benefit operates. However, under the Employee Retirement Income Security Act (ERISA) those who administer disability insurance plans are required to provide policyholders with a written account of the facts about the disability insurance plan, including the rules of how the plan is run, financial details about the plan and what documents are needed in order for the plan to operate.

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