Do You Have a Disability Case?
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Litigation Loans Explained

Litigation Loans Explained

Litigation loan companies lend money to individuals involved in civil litigation, including long-term disability (LTD) and personal injury lawsuits, who need help to pay for their daily living expenses. For disabled individuals who are considering commencing legal action against their insurance company for denying or terminating their LTD benefits, retaining a law firm that works on a contingency fee basis, as Share Lawyers does, can help reduce the financial strain during this difficult time. However, legal fees are not the only financial concern for LTD claimants. With...
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Help! My Doctor Won’t Fill Out My Disability Insurance Forms

Help! My Doctor Won’t Fill Out My Disability Insurance Forms

If you are in the process of filing a claim for long-term disability (LTD) insurance benefits, you know how important it is to have strong support from your doctors. A detailed medical report from your specialist clearly outlining why your illness or injury prevents you from working is essential to the success of your claim, and a minimum requirement for most insurance companies. Unfortunately, if your doctor is unwilling to help you file the paperwork for your LTD claim, your chances of being approved for benefits may be greatly reduced. In order to get your doctor on...
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Should I Sign the CPP Agreement My Insurance Company Has Sent Me?

Should I Sign the CPP Agreement My Insurance Company Has Sent Me?

Most group LTD policies require claimants to apply for CPP disability. If you sign the agreement form your insurance company has sent you, and you are approved for CPP, your insurance company will require you to pay all back-payments and will deduct the monthly CPP benefit amount from your future monthly LTD benefit amount. For example, if you receive $1,000 per month from LTD and you are approved for $500 per month from CPP, your monthly LTD benefits will be offset by the CPP amount. So, you will receive $500 from your insurance company and $500 from CPP for a total of...
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What Type of Illnesses Are Covered Under Long-Term Disability Insurance

What Type of Illnesses Are Covered Under Long-Term Disability Insurance

Most long-term disability (LTD) insurance policies provide coverage for any illness or injury that prevents you from performing the essential duties of your occupation and meets the definition of “total disability” in your policy. Although most LTD policies do not exclude specific injuries or illnesses, there will undoubtedly be other types of exclusions that you should familiarize yourself with before purchasing, or opting into, the coverage. Common exclusions found in most standard policies include: any disability resulting from self-inflicted injury or...