The insurance industry in the United States has become so specialized over the years that the array of insurance products is simply staggering. Industry professionals specialize in one type of insurance, and then within that type, they focus on a specific sub-group. It can be hard for the rest of us to keep up, but it is important to understand the different types of policies to be sure you have the coverage that you need. Short-term and long-term disability insurance provide benefits to make up for income lost if you become unable to work due to a physical or mental […]

When people finally get approved to receive benefits through their long-term disability insurance policy, they often breathe a sigh of relief and assume that they are covered for the future. But then, one day, they get a letter announcing that benefits may be terminated. Or even worse, benefit payments simply stop with no warning. So, when that happens, is the insurance company acting within their legal rights? Can they terminate your benefits? Can you appeal, and if so, how do you do it? As attorneys who focus on helping professionals receive the full benefits they are entitled to from disability […]