Insurance companies can make it difficult to start receiving long-term disability (LTD) benefits. The claims process is intimidating, especially for people coping with a physical or psychological disability. As an LTD lawyer who used to work for insurance companies, but now advocates for disabled individuals, I believe this is all by design. Insurers make […]

Citing a pre-existing condition is often a way for an insurance company to try to avoid paying long-term disability benefits. Insurers rely on exclusions in policies that essentially say you cannot receive benefits if you suffer from a pre-existing condition. This is usually defined as a condition for which you previously received treatment that is […]