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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 policies generally promise to pay…
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. MS is a slowly developing…
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. MS is a slowly developing…
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 does not offer a sponsored…
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) or Supplemental Security Income (SSI)…
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 medical reports. If you are…
According to a survey conducted by the Centers for Disease Control and Prevention (CDC) in 2019, 20.4 percent of adults in the U.S. feel they suffer from chronic pain, and 7. 4 percent of adults report suffering from what the CDC calls high-impact chronic pain. Those with high-impact chronic pain say they felt pain “most days” or “every day.” Despite…
Long-term disability insurance plans are available either individually, through contacting an insurance broker, or often through your employer. When an accident or illness strikes and results in disability, the policyholder expects payment for their inability to...
You signed up for long-term disability (LTD) insurance at your place of employment, never expecting you’d need to rely on it. Then suddenly, something happens and you’re home disabled and in no condition to work. You apply to your LTD insurer and they deny your claim. What went wrong? There can be many “reasons” the insurer will cite for your…
Imagine this scenario: you’ve been on long-term disability for several years due to a back injury, and suddenly you receive notice that your benefits are being terminated. Your insurance company says that they have evidence that you are not as limited or disabled as you claim. Where did they get this evidence? Insurance companies use a variety of techniques. As…
