When an insurance company denies benefits unfairly, you may wonder what your options are as you face down medical bills. If your policy falls under the Employee Retirement Income Security Act of 1974 (ERISA) and the insurance company covered by ERISA acts in bad faith, you may have specific legal options. When someone denies benefits […]

Long-term disability pre-existing condition exclusions can limit or delay your ability to receive benefits if you become unable to work due to a medical issue. In simple terms, pre-existing condition exclusions restrict the benefits your insurance will provide for certain health conditions that existed before your coverage began. Insurance companies often use these provisions to […]

If you receive payments from long-term disability or are considering filing a claim, you will want to understand how long you might receive payments. So, how long can you collect long-term disability insurance? The answer depends on your policy, your medical condition, and your age. Some policies pay benefits for a set number of years, […]

Long-term disability settlement amounts vary widely based on your policy, your medical condition, and the total value of your future benefits. When you receive a long-term disability settlement, an insurance company offers you a one-time payment in exchange for ending your right to receive future monthly disability benefit payments. Once you accept this type of […]

Some mornings feel like gravity doubled overnight. Your body wakes, but your mind refuses the day. Depression flattens motivation. Anxiety turns ordinary tasks into steep climbs. When work becomes impossible, many South Carolina employees begin searching for long-term disability for depression and anxiety, and wonder whether insurance will actually help. In many cases, coverage exists. […]

A car lingers at the end of the block longer than it should. Someone scrolls on a phone without ever looking up. A camera glints from behind tinted glass. Most people never expect it, yet disability insurance surveillance tactics have become routine in modern claims handling.  Insurance carriers sometimes watch the very people they insure, […]

Establishing who is responsible is an essential part of dealing with the aftermath of an accident. Drivers often mistakenly assume that the other party will admit to fault. You may think your hands are clean, but the other driver—or their insurance company—might not agree.  If you’re not proactive about demonstrating you’re not at fault, you’re […]

When employees cannot work due to non-work-related injuries, illness, or pregnancy-related complications, South Carolina short-term disability benefits can provide financial assistance. A short-term disability is defined as an illness or procedure that temporarily necessitates time off of work. Generally, an employer provides short-term disability benefits as part of their employee benefits package. It is also […]

When life throws you a curveball with a disabling condition, wondering who will pay your bills should not be a priority. Your finances should not precede your recovery. Often, when a long-term disabling condition hits your household, finances become an unavoidable cause of concern and anxiety. However, if you have a long-term disability policy, you […]

Many employees opt into long-term disability insurance expecting protection if illness or injury keeps them from working. While these plans may seem fair in theory, the claims process can be a very different story. One common obstacle is a denial based on a so-called independent medical examination (IME) that favors the insurer’s position. The good […]