Disability Policy Language

• Should I stop paying my disability insurance premiums even though my claim decision is pending?

  Disability Insurance Attorney Cesar Gavidia discusses a common question asked by every person that files a short or long term disability insurance claim. A disability insurance claimant should always continue to pay premiums until such...
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• How long is the disability insurance company required to pay once my disability claim is approved?

  Disability attorney Gregory Dell discusses how long a claimant will receive disability insurance benefits once their disability claim is approved. A lot of claimants who get approved for long-term disability will get a letter from...
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• What are self reported condition limitations in a group long term disability insurance policy?

  Disability attorney Stephen Jessup discusses the definition of “self reported condition limitations” in a group long term disability insurance policy. A self-reported symptom condition limitation are unfortunately starting to become more prevalent in group disability...
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• Can my long term disability claim be denied for a pre-existing condition?

  Disability attorney Stephen Jessup discusses if a claimant’s disability claim can be denied due to a pre-existing condition. Your long-term disability claim can be denied for a pre-existing condition; however, it’s a very fact-specific analysis...
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• What is a residual disability income claim?

  Disability attorney Gregory Dell discusses what a residual disability income claim is. and what a claimant should be aware of before filing a residual disability income claim. Residual disability is a complicated provision that’s contained...
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• Why are disability insurance policies difficult to understand?

  Everyone knows that generally speaking all insurance companies have their own attorneys. But with disability insurance policies in particular, it is even more important for a claimant to have a lawyer. The reason being, is...
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• What is an “own occupation” definition of disability?

  An own occupation provision, is the most favorable to an insured to have in a policy. With own occupation, the insurance company is going to constantly look at what job you were performing at the...
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• What is an “any occupation” definition of disability?

  With any occupation, the insurance company is going to look at, if you can perform a job based upon your education, training or experience with reasonable continuity. For instance, if you were a doctor, you...
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