We came across some pretty interesting (and somewhat concerning) information about how some insurance companies operate, and we wanted to share it with you all. So, let’s talk about Cigna, one of the big names in health insurance. Recently, we found out that Cigna has been using something called a “productivity dashboard” to track how …
Category: Disability Insurance Claims
5 Wellness Tips for Managing Stress During the Disability Claims Process
Navigating the disability claims process can be an incredibly stressful experience. The uncertainty, the paperwork, and the waiting can take a toll on your mental and physical health. At Marc Whitehead & Associates, we understand the challenges our clients face and are committed to supporting you every step of the way. To help manage stress …
Cancer and Disability Insurance for High-Risk Individuals
Being diagnosed with cancer can be one of the most stressful events of your life. You may reasonably fear for your family’s financial security. And if you do not have private disability insurance, the stress is amplified. At Marc Whitehead & Associates, we have helped disabled individuals from coast to coast fight for and win …
Disability Insurance For Physicians: Mistakes Physicians Make
Medical professionals are more likely to suffer from disabilities due to heavy workloads and stressful work environments. In spite of taking precautions with disability insurance, physicians are still prone to making mistakes that limit their benefits or force them to pay higher premiums without professional assistance. The doctor disability claim denial attorneys at the law …
Physician Disability Insurance: What Doctors Need to know
Physician disability insurance is often overlooked. There are times when doctors are unable to work due to accidents or illnesses, regardless of their commitment to addressing other people’s health concerns. According to the AMA , a professional has a greater statistical probability of suffering a severe disability that impedes their ability to work, rather than …
Are Demands Beyond Your Policy Grounds for a Bad Faith Claim?
Has the insurance company made undue demands for proof of disability that reach beyond the requirements your disability insurance policy? This is a common insurance denial tactic that preys on the threat of denial if the claimant does not submit to the insurer’s demands. The disabled claimant is made to believe that if they do not comply, …
Insurance Code Violations Used to Deny Individual Disability Claims
Despite many professionals collectively spending millions annually on disability insurance premiums, many insurers still find ways to unfairly deny their coverage. One of these tactics is resorting to insurance code violations. State insurance codes or statutes regulate unfair insurance trade practices, and provide efficient legal remedies to those who were unfairly denied disability benefits from an individual …
How Your Insurance Company Uses Surveillance in Disability Claims
Some disability insurance companies use surveillance and other probing techniques to demonstrate that a claimant is not disabled. Insurers are waiting and watching for those moments that might “prove” that the patient in question is actually capable of working. Many insurers actively search for evidence of fabricating or feigning disability, as grounds to deny disability …
For Doctors and Nurses: Guidance on Disability Insurance, Life Insurance amid the COVID-19 Pandemic
That our medical people are getting sick and dying from coronavirus in their attempts to save others is not an exaggeration. Doctors, nurses, and practitioners on the front line of the COVID-19 battle come face to face with the potential for their own infirmity and death. This is every day for them. Will they be …
After I’ve Made an LTD Benefits Claim, Will The Insurance Company Talk To My Friends and Neighbors?
Insurance companies are run to make a profit. To them, having to pay long term disability benefits to a policyholder who’s become too ill or injured to work is a loss. To avoid a loss, the insurance company will often go to great lengths to show the policyholder is not disabled and can work, even …