Professionals often need so many different types of insurance that it can be challenging to understand just what types of coverage you have and where you may be vulnerable to gaps in coverage. Disability insurance is one of those areas. The Social Security Administration provides disability insurance to individuals who pay tax under the Federal Insurance Contributions Act (FICA), but professionals often elect to purchase private individual disability insurance policies or take advantage of group disability insurance offered through an employer. It is important to understand the differences between private disability insurance coverage and SSA disability programs to determine your […]

Whether you are shopping for a private disability insurance policy or need to file a claim, it is important to understand how long the disability insurance benefits can be expected to last. The answer depends on a variety of factors. Often, the fine print in your disability insurance policy will provide the information you need to assess the duration of benefits, but sometimes the factors that affect the duration of benefits are not well-defined within the policy itself. If you believe an insurance company has wrongfully discontinued benefits, an attorney who focuses on private disability insurance can help you recover […]