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Archive for December, 2016

Understanding “Own Occupation” In Long-Term Disability Policy

In every long-term disability insurance policy, there is a clause that specifically defines what a disability is according to each individual provider. For some providers, a long-term disability is defined as a disability that hinders a person’s ability to perform any occupation, which means that an individual will only receive long-term disability benefits if they […] Read More

Three Ways You Can Mess Up Your Long-Term Disability Claim Appeal

We often tell people that if they are denied their long-term disability claim to appeal the decision. Denial of an initial claim is not all that uncommon—in fact, most claims are denied upon the initial application. However, being denied once is normal; being denied twice can mean the death of your case entirely. Because of […] Read More