Do You Have a Disability Case?
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“Your File Has Been Closed” – How to Interpret a Denial Letter from the Insurance Company and Decide on Your Next Steps

“Your File Has Been Closed” – How to Interpret a Denial L...

You’ve been off work for a while now due to an injury or illness. The bills are piling up, your bank account is in the negative and your credit cards are maxed out. You are struggling to keep your head above water until your claim is approved by the insurance company and your benefits start rolling in. The insurance company finally sends a letter in the mail. You tear it open, read the first few lines, and feel your heart sink. They have denied your claim. You’re probably having a hard time understanding exactly why you have been denied and where you should...
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Accidental Death and Dismemberment Insurance Denies Pay-Out for Accident That Leaves Man Paralyzed

Accidental Death and Dismemberment Insurance Denies Pay-Out for Accident Th...

Accidental Death and Dismemberment (AD&D) is a type of insurance that pays benefits to the beneficiary if death is caused by a non work-related accident. It also provides a lump-sum benefit payment to the policy holder in case of accidental dismemberment of limbs or eyes. Death or dismemberment must occur within 90 days of the accident in order to be covered under most policies. This form of insurance can be purchased on its own, but it is usually an add-on to private health and life insurance policies and is also included in most group health policies provided to...
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I Can’t Work Because of Anxiety and Depression. Am I Eligible for Disability Insurance Benefits or Should I Quit My Job?

I Can’t Work Because of Anxiety and Depression. Am I Eligible for Dis...

In recent years, a growing number of workers are filing for disability benefits through their group or private insurance due to debilitating mental health disorders such as anxiety and depression. These conditions arise for different reasons in different people. Genetics, a stressful lifestyle, a traumatic experience or a hostile workplace are just some of the factors that could cause or contribute to a diagnosis. Claimants are often unsure about whether their disorder will be viewed by the insurer as a legitimate disability since there is rarely any tangible, objective...
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Critical Illness Insurance Denied Based on Non-Disclosure of Information

Critical Illness Insurance Denied Based on Non-Disclosure of Information

When you purchased your critical illness policy, you were likely asked to fill out extensive health forms before the insurer approved you for coverage. You may now have made a claim for critical illness benefits, only to receive a denial letter from the insurance company because they are either requesting confirmation of your previous medical health, or accusing you of non-disclosure of information. The insurance company will only pay your lump sum benefit after going through a full background check of the medical records you had originally provided them. This may include...