File for LTD insurance and avoid financial Disaster.
Why is it important to get legal advice when filing or appealing for a long-term disability claim? What key things should you know about long-term insurance before visiting the insurance company? What factors should you consider to select the best long-term disability insurance company?
Things you should know.
The insurance company decides if your claim gets approved or denied.
Your employer doesn’t decide if you enjoy the benefit that is only up to the insurance company. The employer purchases the disability plan from the insurance company. The insurer decides if you qualify.
Elimination period.
It is the waiting time from when a medical examiner declares you are disabled to when you start receiving disability benefits.
Adhere to your doctor’s advic...