Disability & Income
Long-term care claims and why they get denied
A benefit claimed decades after purchase, frequently by someone no longer able to manage the process themselves.
Disability & Income
Own-occupation, elimination periods and long-term cover.
Disability & Income
Disability claim documentation over the long term
Long-term claims are reviewed repeatedly over years, and the file you build from the start determines how those reviews go.
Disability & Income
Coordinating disability, workers compensation and health coverage
Several systems may apply to one event, each with its own rules, and the interactions determine what you actually receive.
Disability & Income
Independent medical examinations and how to handle them
An examination arranged and paid for by the insurer, conducted by a physician they selected, whose report frequently decides the claim.
Disability & Income
Disability insurance for self-employed people
No employer coverage, variable income that complicates underwriting, and a business that stops earning when you do.
Disability & Income
Returning to work on a disability claim
The provisions that determine whether attempting a return costs you your benefits, and what to check before you try.
Disability & Income
Long-term care: the cost nobody plans for
Extended care is expensive, is not covered by health insurance or Medicare in the way people assume, and the insurance market for it has changed substantially.
Disability & Income
Short-term disability and paid leave programs
The coverage that bridges the first weeks and months, provided through a patchwork of employer benefits and state programs.
Disability & Income
Social Security disability, and why it is not a plan
A genuine safety net with a strict definition, a long process and a high initial denial rate.
Disability & Income
Elimination periods, benefit periods and what they cost
Two dials that move disability premiums considerably, chosen by most buyers on the basis of price alone.
Disability & Income
Own-occupation versus any-occupation disability cover
The definition of disability in the policy determines whether a claim is paid, and the difference between two phrases is the difference between coverage and none.