The broad question is what are the things you have to watch out for when you’re filing a claim and what should you do? Do insurance companies conduct surveillance? Yes. Do they run around with cameras trying to see if you can carry groceries from the grocery store to the car? If you can carry … [Read more...]
Underpayment Offers from Long-Term Disability Insurance Companies
Underpayment of claims is, sadly, a very common practice. One of the typical methods of underpayment is the purchase of policy benefits by the insurance company. The company will run calculations in order to be able to do offer that as a fairly speedy resolution to the disability claim. For … [Read more...]
Why Long-Term Disability Insurers Say “No”
A long list of reasons to say no……. There is, sadly, a long list of all of the reasons why insurance companies deny or underpay a claim. They don’t always simply say okay, we’re going to send you to an independent medical examination and our doctor is gonna conclude that he disagrees with your … [Read more...]
Beware of the “Partial” Long-Term Disability Claim
Disabilities and the people who suffer them come in all shapes and sizes. Typical occupations of people we represent would include surgeons, anesthesiologists, all of the medical sub specialties, micro surgeons, lawyers, chiropractors, CEOs of companies, financial planners, CPAs, really anyone who … [Read more...]
Partial Long-Term Disability Benefits: hard to define in California
For surgeons and other physicians, partial long-term disability benefits may seem like a good solution but the way the benefits are determined is flawed. Partial benefits are based on a formula and very soon after the claim is filed the formula starts to disintegrate and someone may wind up in a … [Read more...]
Dealing with a Long Term Disability Claim
Who should I talk to if I think I have a problem? Well, often a policy holder when he/she notices that things are changing and that he/she may have to make an insurance claim contacts the insurance agent that sold them the policy in the first place. While that can be good, it can also be bad for … [Read more...]
Own Occupancy Insurance Policies
Own Occupancy Insurance is a policy that is sold that covers someone if he or she is unable to perform his/her normal duties in his/her own occupation. The technical definition of disability with an Own Occupation policy is you’re unable to perform your substantial and material duties in a usual and … [Read more...]
Total Disability vs. Residual Disability
By Long-Term Disability Lawyer Ray Bourhis Many long term disability insurance policies contain provisions regarding both Total and Residual (Partial) Disability benefits. Typically, the policies define Total Disability as the inability to perform the substantial and material duties of … [Read more...]
Long Term Disability Benefits – Leaving Money on the Table
THE RISK OF UNDER SETTLING YOUR CLAIM By Alexander MacDougall, Attorney with Ray Bourhis Associates The good news: you’ve been awarded Long Term Disability benefits by your insurance company and now they want to buy out your policy. The bad news: the figure the insurance company is offering … [Read more...]
Before You File Your Long Term Disability Claim
By Ray Bourhis and Alex MacDougall When you first learn that you have a disability that will interfere with your employment, you have an important decision to make regarding the filing of your claim; whether you should go it alone or whether you should engage the services of a disability … [Read more...]
