Disability insurance can help protect your income if you’re no longer able to work – but not all disability insurance policies are created equal. Depending on the type and term of policy you have, the process of qualifying for benefits can range from simple to incredibly complex. Learn more about the different types of disability insurance and the range of coverages available.Continue Reading What is Disability Insurance and Should You Buy It?

One of the main reasons disability insurance companies deny long term disability claims involves video surveillance and “social media surveillance.” Insurance carriers literally follow claimants around (and monitor their social media accounts) to see if they can catch these claimants engaging in physical activities they previously stated they could not do.Continue Reading Third Most Common Disability Benefit Denial Reason: Video & Social Media Surveillance

One of the most common reasons for the denial of long term disability benefits involves the disability insurance company’s paper review of your claim file. If the insurance company doesn’t think your claim looks strong on paper, it may order an independent medical exam (IME) – which isn’t so much of an “exam” as having its own nurse or in-house doctor review your claim file. Continue Reading Reason 1 for Disability Benefit Denial: Paper Review and Independent Medical Exam