LTD insurance companies have been known routinely subject their claimants to field investigations, surveillance, and “independent” examinations. Once you are awarded Social Security Disability (“SSD”) benefits, the Social Security Administration (“SSA”) does not regularly monitor your claim looking for ways to terminate benefits.
While every LTD insurance policy is different, the definition of disability will usually change from “own occupation” to “any occupation” after a certain number of months. This change occurs under most policies after 24 months of disability payments. The “any occupation” definition of disability varies from policy to policy, but it is going to be […]
When going up against a major insurance company, you need to level the playing field. Many people assume they will be treated fairly by the insurance company because they are honest, forthright, and have nothing to hide. In bringing your claim to the insurance carrier, you may very well be acting in good faith and […]