How Are Long-Term Disability Benefits Affected By Supplemental Income?
As a long-term disability (LTD) insurance policyholder, you may find yourself in a particularly vulnerable position. Despite the fact that you have been rendered disabled, your insurer may delay, undervalue, or deny your legitimate claim for long term disability benefits. Insurers are always on the lookout for opportunities to minimize their various liabilities. If you …
5 Issues to Watch Out for in Short-Term and Long-Term Disability Plans
If your short-term term or long-term disability insurance plan includes any potential vulnerabilities, that’s okay — you are not without options. Illinois law requires that ambiguous provisions be interpreted in favor of the policyholder, so any particularly confusing or unclear provisions may not necessarily follow the insurer’s desired interpretation. Further, even if you are subject …
How Long-Term Disability Benefits Work
Long-term disability coverage is essentially the “private insurance” version of Social Security Disability Income (SSDI) in that it operates as a wage replacement for those who are rendered incapable of working for an extended period of time due to their disabling condition. Long-term disability benefits are often offered through one’s employer, but it is not …
District Court Upholds LINA’s Denial of LTD Benefits Due To Lack of Objective Findings of Mental, Cognitive, or Behavioral Impairment
District court upholds insurer’s denial of LTD benefits agreeing with the insurer’s file reviewer that there are no objective findings from a psychiatric standpoint that indicates the Claimant is mentally, cognitively and/or behaviorally impaired. In Gailey v Life Insurance Company of North America, 2016 WL 6082112 ( M.D. Penn. October 17, 2016), the Claimant was …