Qualifying for group long-term disability (LTD) insurance benefits often means that Social Security Disability Insurance (SSDI) is also approved. Disability insurers typically request LTD beneficiaries to apply for SSDI benefits and will usually provide claimants with assistance. […]
Many high-income professionals purchase disability insurance coverage believing it will automatically protect them if they become unable to work. […]
If your disability claim was denied because the insurer labeled you as a generic “lawyer” instead of a trial attorney or called you a “physician” when you are a surgeon, your occupation may have been misclassified and can lead to an unjustified benefit denial. […]
Disability insurers often deny claims as “insufficient,” especially when it comes to claims based on pain, fatigue, cognitive impairment, or mental health conditions. […]
If your disability insurance claim has been denied, additional reports from your treating doctor may not be enough to overturn the denial, and you may need to retain the services of one or more outside experts. The nature and quality of expert input may determine whether you win or lose your claim. Understanding how to strategically use expert evidence is crucial for building a persuasive record that stands up in court. […]
A term that became popular several years ago among sponsors of ERISA [1] -governed defined benefit plans is “de-risking,” although the issue is now more commonly described as pension risk transference (PRT). […]