Applicants for disability insurance can often receive a mystifying response to their claim for benefits, an approval under a “reservation of rights.” After submitting a claim and providing a treating doctor’s certification of disability along with other medical evidence supporting a favorable claim determination, the expectation is that the claim will be approved. […]
Your private disability insurer may require you to undergo what is known as an “independent medical examination” (“IME”). Indeed, most disability insurance policies include provisions that permit the insurer to require claimants to undergo an examination with a physician of its choosing. Whether you receive disability benefits can depend largely […]
A sizable percentage of Employee Retirement Income Security Act cases involve disability benefit claims. Occasionally, a ruling comes along that provides valuable insight into the elements of what constitutes a winning case for a plaintiff seeking disability benefits. […]
Diabetes, affecting roughly 38.4 million Americans or 11.6% of the U.S. population, is not just a health condition — it’s a reality that shapes lives. This number is further bolstered by the 97.6 million American adults, representing 38% of the adult population, who are living with pre-diabetes. […]
Group disability insurance offers financial protection by providing income replacement in the event of an individual’s inability to work due to illness or injury. […]
In the area of cardiac conditions and disability insurance, it is important to note that despite advances in cardiac care and treatment, more than one in three American adults suffer from cardiovascular disease; and more than half are under age 60 (See the National Library of Medicine “Cardiovascular Disability Trends”). […]