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Disability Insurance Articles
Unum Provident
General Disability Insurance Questions
- What is disability insurance?
- Do disabilty policies cover both accident and sickness?
- What are ‘exclusions’ and ‘limitations’ and how do they affect my coverage?
- I’m covered by the group plan of my employer. How do I determine what disability is covered and what the benefits are?
- My company plan coordinates its monthly benefits with benefits received through social security disability. What does that mean?
- Is a business required to provide disability insurance coverage for its employees?
- I had disabilty coverage through my employer’s group medical health plan. I was dropped. Is that legal?
- My employer-paid group disability coverage has shortcomings. Can an attorney help me with the various options for private disability insurance?
- What types of disability insurance are there?
- How is ‘disability’ defined?
- I’m not glowing with health. When am I considered disabled or ill?
- Suppose the nearly illegible ‘fine print’ in my policy is unclear and ambiguous?
- Can an insurance company refuse to sell me insurance for any reason it chooses?
- Are there any limitations on what an insurance company can charge for insurance?
- If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?
- Can an insurance company cancel my policy for any reason it chooses?
- Can I cancel my policy at any time and will there be a penalty?
- If I miss a premium payment and get a cancellation notice, is there anything I can do to be able to keep the policy?
- There are a number of customizing features--some confusing, some expensive--that can be added to my personal coverage. Besides my insurance agent, can an attorney help sort fact from ploy?
- I am a small business owner. How can I protect myself against loss of income if I become disabled or fall ill?
- If I miss a disability premium payment and get a cancellation notice, is there anything I can do to be able to keep the policy?
- What do I do if my insurer refuses to pay my claim or its reimbursement is too small?
- What are my legal remedies if my insurance company or plan refuses to pay a claim for a benefit or service?
- Would I need a lawyer to handle my case?
- Can I cancel my disability insurance without penalty?
- What about state disability programs?
- What about social security disability benefits?
- Social security denied disability benefits. What’s my next step?
- Is disability income subject to income tax?
- I have had hep c for several years and recently was forced to quit working in the school system when my immune system broke down. The school's disability insurance company is denying my claim. However, I was told my diagnosis would qualify me for social security, but i'm not eligible for that system, since I didn't pay into it when working. Isn't the insurance company liable to pay those claims?
- My wife recently had a short-term disability claim approved. Shortly, thereafter, the same company, different department, denied her claim for long-term disability. We are forced to appeal the latter decision. Any ideas on how to start?
Cancellation
Disabilty insurance claims
Employer
Exclusions
Features
Grievance procedures
Rates
Social Security disability
State disability insurance plans
Taxation
Types of disability insurance
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