Category: Long-Term Disability

The short answer: “You can perform sedentary work” answers a question your policy may not ask. An own-occupation policy pays when you cannot perform the material duties of your occupation, not when you cannot perform any job in the economy. If your denial letter leans on “sedentary capacity,” check which definition you actually bought before… read more

Insurance companies use a variety of tactics to deny Long-Term Disability (LTD) claims, including delaying the claims process, misinterpreting policy language, and relying on biased medical evaluations. These strategies can make it challenging for claimants to secure the benefits they deserve. If you are facing challenges with the insurance company, including bad faith insurance tactics,… read more

If you are dealing with the challenges of a denied or delayed long-term care claim, you may have questions about your rights and options. Understanding the claims process can feel overwhelming, but you don’t have to navigate it alone. For guidance and support, contact a long-term disability insurance attorney in San Diego from Dawson &… read more

Long-term care is not as uncommon as many people believe. It is quite common for people to need to rely on this form of care as they age and their needs change due to illness or injury. Long-term care is one of the most important types of financial planning to engage in, but also one… read more

Your legal options after having a disability claim denied are dependent on your insurance coverage. Significant differences in the two basic long-term disability insurance plans will determine how to dispute a denied disability claim. Bad faith insurance practices in Arizona and California can impact your ability to receive compensation. Types of Long-Term Disability Insurance Appealing… read more