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The disability insurers tend to follow certain denial patterns which reflect their own self interest in not paying benefits. The timing of the disability denial may have definite and serious ramifications. The first set of claim denials occur at a time just prior to the transition from Short Term Disability to Long Term Disability. For […]

Posted in General Disability Issues, Long Term Disability, Private Disability Benefits, Social Security, Social Security Disability Benefits | Tagged , , , , , |


1. The Insurer Issues the Coverage. The insurer hires these nefarious persons called “actuaries” who take all the medical and statistical evidence and analyze the data extensively. The actuaries know the rate of illness and concurrent disability for the population in general and as broken down into categories such as age, medical condition, occupation, etc. […]

Posted in Private Disability Benefits | Tagged , , , |


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