Life insurance typically ends when the employee is no longer active at work. However, employees can protect their life insurance if they become critically ill. If one of the fringe benefits of your employment is group life insurance, a critical concern of most employees who become ill is how to maintain life insurance coverage while they are ill and cannot work.
Insurance companies are quietly folding artificial intelligence into the claim decisions that determine whether people keep their disability benefits, their life insurance payouts, and their financial futures. No insurer has ever told a claimant outright that a machine wrote their denial letter. But after three decades litigating against the country’s largest carriers, I am seeing […]
Every group long-term disability insurance policy provides for a benefit equal to a certain percentage of your income, typically 60%. But when it comes to defining pre-disability “income,” there is tremendous variance between disability insurance policies. That variability can dramatically affect what percentage of your take-home income would be paid in the event of a […]
The U.S. Court of Appeals for the Eighth Circuit recently underscored the difficulty of securing Social Security disability benefits. In Post v. Bisignano, the court affirmed the denial of benefits to a claimant whose hand, arm and shoulder impairments had required multiple surgeries. The Aug. 28 ruling also reflects a shift from the Eighth Circuit’s […]
The Wall Street Times recently profiled our founding partner, Mark DeBofsky, and his four decades representing people whose disability, life, and accidental death benefits were denied. You can read it here: How Mark DeBofsky Is Helping Policyholders Pursue the Insurance Benefits They Were Promised. One line in it deserves more room than a profile can […]