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Insurance companies are for-profit institutions. As such, they don’t always automatically accept a claim for disability payments. They can put up a variety of roadblocks, one of which is termed an Independent Medical Review (IMR) by a team of physicians on the insurer’s payroll who review the documentation you submit to support your long-term disability […]
Long-term disability (LTD) policies can contain a variety of definitions, clauses, exclusions, and other “fine print” that can come back to haunt the policyholder when a disability prevents them from working. Two very frequent definitions contained in an LTD policy are “own occupation” and “any occupation.” Some disability policies may only cover you if you […]
With the onset of the COVID-19 pandemic in 2020, the nation’s economy and its workers were thrust into strange new territories – businesses closing, layoffs carried out, work-at-home arrangements established, masks mandated, social distancing enforced, people ordered to stay at home, and of course, millions of citizens falling ill to the virus and hundreds of […]
MetLife is a venerable institution in the world of insurance. Founded in 1868 as the Metropolitan Life Insurance Company, MetLife now has 90 million customers in 60 countries and is traded on the New York Stock Exchange. When it comes to its long-term disability (LTD) policies, however, the company has a well-known track record of […]
One in every four Americans entering the workforce will face a disabling condition at least once before retirement, and the average time away from work to deal with the condition is almost three years, according to the Council for Disability Awareness (CDA). For this reason, many working adults buy long-term disability (LTD) policies, whether through […]
The Hartford is a $20 billion, Fortune 500 company that was originally founded in 1810 to offer fire insurance. Even legendary baseball star Babe Ruth once purchased a Hartford policy. Today, The Hartford has built up its own legend as a company that likes to deny claims under its long-term disability (LTD) policies. Hartford LTD […]
According to the Multiple Sclerosis Association of America (MSAA), roughly 3.5 in every 1,000 Americans develop Multiple Sclerosis, commonly referred to as MS. MS is neither contagious nor hereditary, according to the MSAA, but the risk of developing MS increases for first-degree relatives – children and siblings – of those already suffering from the disease. […]
Employers frequently offer employees long-term disability (LTD) insurance policies designed to help make up for lost wages if one becomes disabled and unable to perform duties at work. Employees can also opt to purchase LTD policies from a private insurer that can be transportable from job to job or fill the gap when an employer […]
You’ve been diagnosed with cancer, or you’re undergoing treatment for cancer that has debilitating side effects. What are your chances of obtaining long-term disability benefits while you recover? First, unless you purchased a long-term disability policy at work or on your own, your only options are disability claims under the Social Security Disability Insurance (SSDI) […]
Disability insurance policies are designed to provide income to policyholders (employees) who are unable to work due to a disability, injury, or illness. Unfortunately, dealing with disability insurance providers and claims administrators can involve many complexities. Even a well-supported disability claim can be denied by the LTD insurer by claiming incomplete medical evidence or biased […]
