Fibromyalgia and Your Long Term Disability Claim Part 1
Introduction and the Three Things Every Fibromyalgia Disability Applicant Should Know There are three things the Long Term Disability carrier looks for in every Fibromyalgia Long Term Disability claim:...
View ArticleOwn Occupation Claim for Long Term Disability Benefits and Fibromyalgia
Your Long Term Disability policy may provide that you are entitled to disability benefits if you are unable to engage in your own occupation. It is important that you first understand how the Long Term...
View ArticleWhat you DON’T Want To See In Your Your Long Term Disability Policy
Unfair Language # 1: “We Have Discretion to determine Benefits” Most disability insurance companies hide behind a clause hidden in their policies known as a “reservation of discretion”. But don’t...
View ArticleWill My Employer Help Me with My Long Term Disabiity or ERISA Claim?
Maybe! If your employer is self insured for short term disabiity, the money to pay you is coming from your employer’s pockets. If you have a good claim and were a good employee, you might be paid your...
View ArticleThe Long Term Disability Adjuster Wants to Take My Statement or Come To My...
Quite frankly, if the a long-term disability or ERISA carrier calls and askes to take your statement or arrange a field visit you are in trouble! In my experience, disability claims are denied,...
View ArticleLearn the Truth About UNUM
UNUM Provident Insurance Company, was created in 1999 by the merger of UNUM corporation with Provident Companies and in 2007 the name was shortened to UNUM. It does not matter if the company name is...
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