What Happens to Your Employer-Sponsored Insurance When Your Employment Changes?
Employment changes can be a stressful time whether it’s your choice or due to termination. Either way, you’ll have to navigate changes in your benefits such as health insurance coverage, retirement savings, and potentially disability insurance benefits. Illinois does not have a law requiring that employers continue sponsored life insurance, long-term or short-term disability insurance …
How Can I Get Short- or Long-Term Disability for Knee Pain?
Knee pain can impact every aspect of your life, from your mobility and independence to your ability to work and provide for your family. Whether your condition stems from a sudden injury, chronic degeneration, or major surgery, your knee problems may qualify you for short-term or long-term disability insurance benefits. At Bryant Legal Group, we …
What Is a Bad Faith Insurance Claim?
When you buy an insurance policy—whether it’s health insurance, long‑term disability, or other coverage—you justifiably expect the insurer to treat you fairly. You pay premiums, you follow the rules, and when you suffer a loss or need benefits, you expect insurers to do their part: investigate reasonably, make payments when due, and communicate in good …
Going from Short-term Disability to Long-Term Disability
Going from Short-term Disability to Long-term Disability When you file for short-term disability benefits, it’s usually with the expectation that you’ll recover quickly and return to work. For many people, this turns out to be true. But for others, the road to recovery can be longer and more complex. Most short-term disability plans only pay …
Doctor Disability Insurance: How to Appeal a Claim Denial
You take out doctor disability insurance so it is there in case you ever need it. Unfortunately, as you might have already experienced with patients’ cases, insurance does not always come through as you expect. Insurers that issue physician specialty-specific disability policies routinely scrutinize—and too often reject—legitimate claims. When a denial stems from administrative errors, …
How to Choose Individual Disability Insurance: A Guide for High-Net-Worth Individuals
Obtaining and maintaining comprehensive long-term disability coverage is critically important for high-income earners. This detailed guide can help you make a wise decision and protect your financial future.
What To Do if Your Long-Term Disability Benefits Are Terminated
There’s a huge relief that comes when your initial claim for long-term disability insurance benefits is approved and consistent monthly checks start coming in. No more financial insecurity. No more worrying about being able to afford the life you worked hard to build. Right? Unfortunately, it doesn’t always play out that way. Long-term disability benefits …
What Financial Advisors Need to Know About Long-Term Disability Insurance
According to Northwestern Mutual’s 2023 Planning & Progress Study, an estimated 37% of American adults work with a financial advisor. The rates certainly are even higher among entrepreneurs, educated professionals, and high wage earners. Financial advisors play a critical role in helping their clients invest, manage risks, and protect their financial future. And that very …
Doctors, Lawyers, Professionals: Do You Need Specialty-Specific Disability Insurance?
If you’re a physician, lawyer, dentist, or other high-income professional working in a complex field, you shouldn’t go without robust long-term disability insurance coverage. You’ve dedicated countfewer hours to mastering your craft and worked hard to build a certain standard of life for yourself and your family. Without a comprehensive disability insurance policy, however, a …
Do Doctors Need Disability Insurance?
A doctor’s daily responsibilities are physically, mentally, and cognitively demanding. The nature of their work involves being on their feet most of the day, dexterous use of their hands for equipment and procedures, constant communications with patients and colleagues, and even potential exposure to hazardous conditions in their work environments like chemicals, biologics, radiation, and …