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, […]
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 […]
If a serious illness or injury stops you from working, you will likely have a lot on your mind, including concerns about how to pay your bills. Disability insurance benefits can help fill the gap and sustain you financially in those circumstances. Please note that not all disability policies work the same way. One of […]
Many people believe that a divorce automatically cuts off a former spouse’s right to life insurance benefits. That belief often turns out to be wrong. When federal law governs a policy, an ex-spouse may still receive the proceeds even if a divorce decree says otherwise. These situations frequently arise in a life insurance divorce beneficiary […]
Receiving court papers saying you are involved in a lawsuit with a life insurance company can feel alarming—especially when you are grieving a loved one. Usually, however, this type of lawsuit does not accuse you of wrongdoing. Instead, it often involves a life insurance interpleader, a legal procedure insurance companies use when more than one […]