California residents who get involved in work-related incidents can end up with injuries that result in short or long-term disability. In these cases, Pillsbury & Coleman, LLP, are here to help you deal with the insurance situation. “Work-related incidents” is a term that covers a very large scope of possible happenings which
Private disability or ERISA? The best policy is both policies
By Terry Coleman In years past, professionals who wanted a long-term disability policy would go out in the private market. These policies would protect them if they became unable to practice due to injury or illness. And if that doctor or other professional changed jobs, the coverage would follow them. The insurance
Why is my insurer demanding an independent medical exam?
Monday, October 14, 2019. One of the most common questions we get is about independent medical examinations. You are limping along (perhaps literally) on disability, and out of the blue the insurance company wants proof that you are still disabled. This is disheartening and scary. An unfavorable exam could cancel your benefits
What is ‘own occupation’ and ‘any occupation’ disability?
There are two main categories of long-term disability insurance (LTD), based on the definition of disability. The first threshold is “own occupation,” meaning that you receive disability benefits if you are unable to perform your regular job. The other threshold is “any occupation,” meaning that you receive disability benefits only if you