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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 […]
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 […]
When you apply for long-term disability benefits, the insurance company will require proof of your disability. They will do an internal investigation into whether or not you initially qualify for benefits. These investigations will continue throughout the entirety of your claim, even if you have been receiving benefits for years. The insurance company can deny […]
As we continue to evaluate these unprecedented and rapidly changing times due to the impacts of COVID-19, also known as coronavirus, Beedem Law continues to prioritize the safety and well-being of our employees, our clients, and our community. We would like to inform you that Beedem Law is committed to ensuring our quality service to […]
There can be are a numerous amounts of reasons your health insurance claim was denied. Don’t Overlook the Easy Problems Your claim may have been denied due to simple data entry errors such as a misspelled name or an incorrect insurance number. Your Explanation of Benefits form, known as an EOB, will present the details […]
When you’re injured in an accident, there may be a period of time where you feel like you’re at a crossroads, and don’t know where to take your potential case. Fortunately for you, you aren’t the first person to file a personal injury claim, and you certainly won’t be the last. Over the years, the […]
Long term disability benefits are protection against illnesses, disorders, and injuries that may cause you to be unable to work for a long period of time, usually 6 months or longer. In some cases, it may mean never working again. Disability policies can be bought through employers or as an individual. It will provide benefits […]
If you are on long-term disability, there may come a time when your insurance company will offer you a buyout to give up your policy and stop receiving benefits. This means that you would receive a lump sum amount in exchange for surrendering the policy. The insurance provider would then have no more obligations towards […]
Fibromyalgia is a complicated illness that is hard to diagnose and hard to treat. There is no test to detect it, and it is diagnosed using mostly symptoms that are reported by the patient. Because of these factors, a lot of insurers will not provide coverage for it. If they do, there is a high […]
