An insurance denial is not the end

You try to use your long-term disability insurance, but you get denied. Since you know you are disabled, you’re shocked. Is this all you can do? Is that the end of it? It’s not. Appeals are possible and even common. You may be able to make multiple appeals. Do not assume you are out

Tricks of the disability insurance trade: Deny until death

What’s one sure-fire way insurance companies can avoid paying out a long-term disability claim? When the policyholder dies before he or she can collect. That seems rather obvious and makes sense — until you realize that some long-term insurance companies will frequently find ways to delay payment on a long-term disability policy as long

Can work incidents result in long-term disability?

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

Important elements of disability policies

Most people in California do not ever expect to become disabled. Nonetheless, there is no way to ever completely eliminate this from potentially happening. For this reason, many people do look into buying insurance policies that can provide them with some income should they unexpectedly be unable to work for extended periods

The importance of long-term disability insurance

For many people in California, the thought of being disabled may seem like something that will never happen to them. However, even a person who today is able-bodied and in excellent health can experience an accident that changes their life forever. The possibility of an unforeseen medical diagnosis also always exists. It

Are PTSD triggers real?

Insurance companies in California may be more reluctant to pay long-term disability benefits to individuals whose symptoms are not measurable and quantifiable. If you suffer from post-traumatic stress disorder, you may have difficulty convincing an insurance company that certain conditions trigger your symptoms. Adjusters and others who work for the insurance company

Important elements of disability insurance

Most people who live and work in California would find it financially challenging to suddenly be without their paychecks for an extended period of time. This may happen if a person is laid off or gets fired from their job but it also may happen if they become sick or injured and