Question
Are you familiar with the difference between Berkshire’s Enhanced and Basic residual contract language and how material the language difference could be at claim time?
Answer
Chris, thank you for asking this important question. Without actually seeing the exact policies that you are reviewing, I am not able to provide an accurate opinion as to the difference in the language. The disability companies constantly offer new products with different language and I really need to see the definitions in order to answer your question. As a general answer I always tell people to buy as much coverage as you can possibly afford. I have represented numerous residents that unfortunately had a disability claim when they never thought they would. The other thing is that you Group coverage will only continue as long as you continue to work for your employer or the organization you bought it from continues to renew the contract. A group organization does not need to renew the policy whereas a private policy is guaranteed to be renewed each year. I know you finances are tight now, but they hopefully won’t be in the near future and you will really appreciate the piece of mind of having the highest possible coverage you are eligible for.
Resources to Help You Win Disability Benefits
Submit a Strong Appeal Package
We work with you, your doctors, and other experts to submit a very strong appeal.
Sue Your Disability Insurance Company
We have filed thousands of disability denial lawsuits in federal Courts nationwide.
Get Your Disability Application Approved
Prevent a Disability Benefit Denial
Negotiate a Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
Q: Are you familiar with the difference between Berkshire’s Enhanced and Basic residual contract language and how material the language difference could be at claim time?
Q: Does Berkshire offer lump sum buyouts of uncontested disability claims?
Disability Denial Reason #1 – Paper Review & IME
How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons
Guardian Disability Benefit Claim Handling Tips
Application Tips: Northwestern Mutual Disability Benefits - Top Denial Reasons
Is UNUM a Good Insurance Company?
Don’t Ignore Disability Insurance. Here’s What to Buy.
How To Get Long Term Disability Benefits Approved Due To Neck Pain
Berkshire Approves Application for Disability Benefits to Sales Manager
Berkshire and Liberty Mutual approve benefits to OB/GYN suffering from essential tremor
Berkshire approves total disability benefits for litigation attorney following surgery to remove a cancerous tumor and multi-level fusion of cervical spine
Berkshire Life Insurance Company approves long-term disability benefits for a dentist suffering from lumbar disc disease
Lincoln Approves Long Term Disability Benefits After Four Year Fight
Cigna Sued For Failing To Make A Timely Decision on Appeal
Lincoln National LTD Denial for Pre-Existing Condition Reversed on Appeal
Illinois Mutual terminates benefits for Tire Kingdom Service Manager After Review By Hired Physician
Reviews from Our Clients






