Insurance Companies Blog

Many people who receive long-term disability (LTD) benefits face a shocking reality: their insurance company denies or terminates their benefits right around the 24-month mark. This isn’t a coincidence. Insurance companies use the 24-month disability limitation as a common strategy to reduce their payouts, especially for mental health conditions. Understanding why this happens and what […]

When your doctor says you cannot work due to a disability, you expect your insurance company to honor that medical opinion. Unfortunately, insurance ignored my doctor disability claims happen every day. Insurance companies have financial incentives to deny claims, and they routinely disregard treating physicians’ statements in favor of their own hired medical reviewers. Understanding […]

Insurance companies spend millions of dollars annually on surveillance to investigate disability claims. If you’ve filed for long-term disability (LTD) benefits, you may already be under investigation. Understanding how insurance companies use video surveillance and other monitoring tactics can help you protect your claim. This guide explains the disability surveillance insurance company methods used, what […]

When your long-term disability claim is under review, your insurance company may request a field interview. This in-person meeting with an investigator can feel intimidating. Understanding what happens during a disability field interview helps you prepare and protect your claim. The process is straightforward once you know what to expect. At , we help clients […]