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Disability Insurance
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General Disability Insurance Questions

FAQs

If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?

What about social security disability benefits?

My company plan coordinates its monthly benefits with benefits received through social security disability. What does that mean?

Social security denied disability benefits. What’s my next step?

Is a business required to provide disability insurance coverage for its employees?

Is disability income subject to income tax?

I had disabilty coverage through my employer’s group medical health plan. I was dropped. Is that legal?

What is disability insurance?

My employer-paid group disability coverage has shortcomings. Can an attorney help me with the various options for private disability insurance?

Do disabilty policies cover both accident and sickness?

What types of disability insurance are there?

I’m covered by the group plan of my employer. How do I determine what disability is covered and what the benefits are?

How is ‘disability’ defined?

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?

I’m not glowing with health. When am I considered disabled or ill?

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?

Suppose the nearly illegible ‘fine print’ in my policy is unclear and ambiguous?

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?

Are there any limitations on what an insurance company can charge for insurance?

I am a small business owner. How can I protect myself against loss of income if I become disabled or fall ill?

Can an insurance company cancel my policy for any reason it chooses?

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?

Can I cancel my policy at any time and will there be a penalty?

What do I do if my insurer refuses to pay my claim or its reimbursement is too small?

What are ‘exclusions’ and ‘limitations’ and how do they affect my coverage?

What are my legal remedies if my insurance company or plan refuses to pay a claim for a benefit or service?

Can an insurance company refuse to sell me insurance for any reason it chooses?

Can I cancel my disability insurance without 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?

What about state disability programs?

Related Information
» Unum Provident	» Disability Insurance Articles
» General Disability Insurance Questions	» Business owner's protection
» Cancellation	» Disabilty insurance claims
» Employer	» Exclusions
» Features	» Grievance procedures
» Rates	» Long Term Disability and Erisa Law
» Social Security disability	» State disability insurance plans
» Taxation	» Types of disability insurance

Topics Related To Disability Insurance
» Insurance Law	» Auto Insurance
» Business Insurance	» Long Term Care
» Disability Insurance	» Health Insurance
» Insurers Bad Faith	» Life Insurance Law
» Property Insurance	» Viaticals

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