Do You Have a Disability Case?
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Are Long-Term Disability Benefits Taxable?

Are Long-Term Disability Benefits Taxable?

Long-Term Disability Benefits Taxable? Where an individual policy is purchased by the insured, benefits under the individual policy are not generally subject to tax.  When paid by the individual, disability income premiums are not tax deductible. Furthermore, in a group policy where the employer collects premiums out of the employee’s wages and remits them to the insurer, benefits are not considered income and are not subject to tax since the entire cost is borne by the employee… Amounts received as disability income by an employee under a typical long-term...
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Insurance Company Surveillance Tactics

Insurance Company Surveillance Tactics

Surveillance Tactics Used By Insurance Companies Insurance companies regularly conduct surveillance on individuals who have filed a claim for long-term disability benefits or who are currently receiving benefits. They use surveillance tactics to combat fraud and avoid paying benefits by finding evidence to dispute illness or injury claims. Surveillance is used more frequently in high-benefit claims and in claims where the alleged disability is “invisible”, such as with mental illness or chronic pain claims. Claimants should be aware that as soon as they file...