You Counted on Their Promise to Pay. Make Them Keep It.
We Have Been Making Them Keep Their Promises for 30 Years
Many disabled individuals get blindsided by strict policy definitions that allow insurers to deny valid claims. The key distinction often comes down to “own occupation” versus “any occupation” disability insurance coverage. Own occupation policies provide comprehensive income protection by paying benefits if you cannot perform your specific occupation’s duties – even if you can work …
There is no one-size-fits-all timeline when it comes to resolving your Long-Term Disability claim. Many factors will impact how long it takes for your case to resolve, including whether or not your initial claim is denied and an appeal is required. An attorney for long-term disability at Marc Whitehead & Associates can offer sound guidance …
Anyone could face the risk of disability before retiring. In fact, since one in four people currently in their 20’s will become disabled before they retire. Work accidents, car crashes, and chronic health conditions contribute to many new disability cases every year. Some people recover from their injuries in a few weeks or months and …
If your long-term disability claim is denied, do not despair. The fact is that the majority of disability claims are denied initially and there is an appeals process. Disability claim appeals are subject to a statute of limitations. If the appeal is not filed within that timeframe, it generally cannot go forward. When you receive …
Marc Whitehead & Associates helps disabled persons receive the long-term disability benefits they deserve. While we’re there to fight for you at every stage of the claims process, client participation is an important factor in reaching a successful outcome. After all, no one knows the history of your disability better than you, and you can …
A vocational assessment can significantly impact your long-term disability claim (LTD). The results are often the deciding factor in whether an LTD claim is approved, especially when a disability is difficult to prove. At Marc Whitehead & Associates, we know insurance companies do not always play fair. When you play by the rules, yet your …
Knowing how to file a long-term disability claim is important. However, you can significantly improve your chances of success when you work with a skilled lawyer. At Marc Whitehead & Associates, we will help you file a conclusive disability application and oversee your case from start to finish. We understand your hardship and know this …
If you get the feeling you are being watched since receiving long-term disability payments, you are not being paranoid. Insurance companies use various surveillance techniques to catch the recipient in the act of doing something they allege they are unable to do, or their doctor has prohibited them from doing. It is not uncommon for …
When filling out a long-term disability (LTD) claim form, the details count. An accurate job description on your claim form is essential. Without it, you cannot prove that you cannot do your job. Vague descriptions can result in an LTD claim denial. You can file a claim without an attorney. However, LTD insurance eligibility is …
As disability attorneys, we cannot emphasize enough the problems disability insurance taxation can cause if you’re not prepared. Many claimants come to us who unfortunately have been caught by surprise when the IRS taxed their benefits. If you receive disability insurance benefits, you need to know whether the IRS says those LTD benefits are taxable …
