By Mark F. Seltzer, Esquire
Having Residual Disability (or Partial Disability) provisions in your policy can be the most important decision you (or your insurance consultant) make when you bought (or if you are considering buying) your Individual Disability Insurance policy.  If you are eligible for Long Term Disability Insurance (Group) coverage from your employer, most probably, the definition of Disability includes a Residual component.  However, having the coverage and getting paid under that coverage may cause you to be subjected to some creative “refinancing” of your financial information as assessed …

Being impaired from practicing is a terrible truth to accept. Just don’t let the loss of your license also impair your claim.

A helpful guide to the “twelve ways of business” to better understand the disability insurance claims process.

Often-times the reality of successfully bringing a claim under your group LTD policy is such a distortion of reality, it’s more like Alice ’s trip through “Wonderland.”

If your disability insurance carrier confuses and dilutes the basis of the disability equation, it obviously becomes harder to obligate them to pay. And that’s what it’s all about: diluting.

You hope, if you are or become disabled, that your disability insurance company will keep its promise.

Protect yourself from the imposition of the company which aims to control your claim.

Are you relying on that group LTD policy to pay you benefits? If you become disabled, you may be in for the fight of your life.

It is important to have full knowledge and understanding of your disability contract and of all issues in order to protect your rights and entitlements. It is equally important to know the process of a claim and receive guidance in negotiating the potential problems and issues that may occur.