Disability Insurance Claims and Benefits Information Document List

List of Insurance Publications:

• Survey Reveals Americans Underestimate Risk of Disability

  Survey shows just 40 percent of Americans have disability insurance, which could protect them financially if they were unable to work..

• Things to Consider When Buying Disability Insurance

  Information on purchasing disability insurance including benefit period, partial disability, elimination period, own-occupation coverage, and strength of company.

• Income Protection for Medical Residents and Fellows

  Secura Consultants offers income protection plans with contract features residents and fellows must consider.

• Dealing with ERISA When it Comes to Eating Disorders

  Lisa S. Kantor, leading expert on eating disorders and disability law, discusses how to deal with ERISA when it comes to eating disorders.

• Canadian Workers Not Prepared for Financial Impact of Disability

  Most Canadian workers would suffer severe financial hardship if they were forced out of work with a disability.

• Why Don't More Americans Insure Their Income?

  New report identifies factors preventing many full-time working adults from insuring their income in case of disability.

• 40% of Americans Prefer High-Deductible Health Insurance Plans

  More than four in 10 Americans prefer a high-deductible plan with a lower monthly premium.

• ERISA Disability Lawyer Calls For Immediate Changes To an Unfair Law

  Gregory Dell a disability insurance attorney calls for ERISA laws to be changed allowing a Jury to make determination of disability benefits owed.

• Action Needed to Address Social Security Disability Insurance Finances

  New brief on Social Security Disability Insurance finds temporary reallocation of Social Security existing payroll tax rate could strengthen the DI trust fund before its reserves are depleted.

• 84M Uninsured or Under-insured in 2012

  Cost of health care and health coverage in the United States have been on an unsustainable trajectory straining family and government budgets.

• Health Insurance for People with Disability or Uninsurable Health Condition

  Individuals with infirmity or uninsurable health conditions may face trouble getting the coverage they require.

• Different Definitions of Disability for Insurance Claims and ERISA

  A recent disability insurance claim case may change the landscape of disability claims brought under the Employee Retirement Income Security Act.

• Employee Absence and Disability Productivity Management

  The Workplace Possibilities program is a unique, proactive approach to helping employers prevent and manage employee absence and disability.

• Disability Income Insurance Tips

  Insurance Commissioner Dave Jones provides tips about disability income insurance and encourages consumers to examine and understand their options.

• Discretionary Clauses in Disability Insurance Policies Banned in California

  New Californian law bans discretionary clauses in disability and life insurance policies.

• Disability Insurance for Federal Government Physicians

  MR Insurance Consultants has released a new article regarding the topic of disability insurance for Federal government physicians.

• FERS Disability Retirement Benefits for Government Physicians May Not Fully Protect

  Review of FERS disability retirement program for physicians employed by the Federal government shows their income may not be effectively protected in event of illness or injury.

• Suggestions and Advice When Shopping for Insurance

  Shopping for an insurance plan is time consuming and laborious as there are all types of areas to be taken care of including amount of protection exceptions terms and conditions etc.

• How to Speed Up Your Disability Claim

  Tips to make sure you get your disability claim resolved as soon as possible by speeding up the SSDI process.

• Insurance Plans for Individuals with Challenging Health Conditions

  Medicare and private health insurance programs do not pay for majority of costs associated with long term care services most people need.

• Tax-Free Disability Insurance Benefit for Physicians

  New disability benefit plan for Physicians that will pay them $1,000,000 in cash 12 months after a career ending accident or illness.

• Buying Disability Insurance Later - The True Cost

  Disability insurance might be one of the most important types of coverage a person can own yet too many people delay purchasing it.

• Insurance Agents Drop in Health Insurance Products Commissions

  The annual Health Market Study is designed to explore producers awareness of and experiences with individual health insurance HSAs and disability income insurance.

• Disability Insurance Services - Join the DI Revolution

  Disability Insurance Services helps insurance agents develop DI expertise and selling proficiency through a suite of services and products.

• Buy deVere Group Healthcare Online

  The deVere Group announces it is now offering a buy online feature on its healthcare website through MediCare International.

• Short Term Disability Insurance for Pregnancy

  Applying for short term disability insurance before getting pregnant to put your mind at ease.

• Raising Awareness of Social Security Disability Insurance

  Disability insurance either short or long-term protects workers financially when they become disabled from working.

• Drop in Number of Workers with Disability Insurance

  Drop in the number of Americans without disability insurance coverage to provide an income if they cannot work due to an illness or non-work related injury.

• Basic Insurance is Not Enough

  Recent studies have shown that 75 percent of households have very little or no insurance to cover their basic needs.

• Real Cost of Accidents and Illnesses - American Workers Not Prepared

  Majority of American workers do not have a financial plan in place to deal with unexpected and costly life event such as a medical emergency.

• Active Purchaser Options for Health Insurance Exchanges

  Wide range of policies states can pursue to leverage higher quality more affordable insurance for individuals and small businesses.

• Free Online Disability Insurance Quotes and Policy Comparisons

  A list of online websites providing affordable disability insurance rates and quotes from companies offering competitive premiums.

• Health Management Services - Manulife Financial

  Manulife Financial has launched Health Management Services extending its comprehensive approach to serving all aspects of Canadian employers group benefit needs.

• The Standard Now Provides Electronic Disability Policy Delivery

  Providing customers the ability to deliver and accept coverage of an individual disability insurance policy online.

• Educating Federal Employees About Disability Insurance

  Raising awareness amongst Federal Employees about disability insurance and the financial consequences resulting from prolonged illness or accident.

• Choosing Disability Representation Services

  Factors to consider when searching for a Social Security Disability advocate when applying for SSDI or SSI benefits.

• Are You Uninsurable? Long-Term Care Insurance

  Discussing potential solution to providing married couples with long term care insurance if one of them has previously been told they are uninsurable.

• Undervaluing Importance of Your Paycheck

  Many people fail to consider what would happen to them and their families should they suddenly become sick or injured and unable to work.

• Disability Income Insurance a Must for Singles Wanting to Protect Their Income

  Disability income insurance is an essential part of a personal financial safety net.

• The Cost of Being Healthy

  The high cost of health care is deterring parents from taking their children to the doctor or buying prescription medication.

• Disability Insurance Awareness Month - May

  Disability insurance plans offered through the workplace are often more affordable than those offered separately.

• Concern for Medical Residents Buying Disability Insurance

  Encouraging medical residents to consider applying for disability insurance during the earlier years of residency.

• Importance of Group Disability Protection Benefits

  A sudden loss or interruption of an income stream due to a disabling illness or injury is a great financial risk.

• Health Insurance for Children Under 19

  For a child without insurance this is a great way to ensure medical coverage for critical items such as accidents hospitalizations office visits and prescription drugs.

• Disability Insurance Coverage for Your Paycheck

  Think of disability insurance as insurance for your paycheck by It providing an income if you are unable to work due to an illness or injury.

• Disability Insurance Services Campaign: What Will You Say

  May is Disability Insurance Awareness Month and Disability Insurance Services is gearing up to help brokers spread the word with What Will You Say campaign.

• Private Disability Contractors Fabricating an Insurance Crisis

  Private disability contractors fabricating an insurance crisis to dodge accountability to foster care kids.

• The Very Real Chances of Suffering Serious Illness

  It is vital to eat healthily and exercise regularly in order to reduce the chances of illness.

• Income Armor Individual Disability Income Insurance

  Income Armor combines comprehensive disability income protection insurance which enables policyholders to personalize coverage to fit their specific needs and budgets.

• Dumbest Insurance Fraud Cases

  Desperation greed and the lack of common sense are possible reasons insurance fraudsters try to make a fast buck at the expense of others.

• After Divorce - Insurance Information and Facts

  Information and facts concerning automobile homeowner life and disability insurance coverage after divorce or separation.

• Disability Insurance Gaps and Opportunities in the Workplace

  Employer Perspectives on Disability Benefits Study reveals group long-term disability insurance plays an important role in company benefit offering at some of the largest firms in the U.S..

• Disability Insurance for Types of Employment

  Information on disability insurance for the working professional concerning insurance against a disability that leaves you unable to work.

• Credits and Insured Status Information

  Some of the most confusing factors in determining your eligibility for disability benefits are your credits and your insured status.

• Avoid Using Social Media Until Your Insurance Claim is Resolved

  Insurance adjusters have begun utilizing strategies and tactics for conducting investigations into claims of insured parties using social media.

• Critical Illness Insurance Information from Colonial Life

  Critical illness insurance pays an amount when diagnosed with heart attacks, cancer, strokes, coronary artery bypass surgery, major organ failure, transplants or other specified major medical conditions.

• Low-Cost Turnkey State Health Insurance Exchange Technology Solutions - Microsoft

  Solutions tailored to help states quickly roll out their statewide health insurance exchanges by 2014.

• Close the Gender Gap in Heart Health and Disability

  Steps women can take to care for their hearts and finances before and after a heart disease diagnosis.

• Over 50s Life Insurance Essential

  Over 50s life insurance policies are becoming popular with those seeking a means of covering costs and expenses incurred when they die.

• XLHealth Chronic Condition Special Needs Plan

  Special needs plan combines medical coverage hospital and doctor visits with Medicare Part D drug coverage and care management support for Medicare beneficiaries with diabetes and heart failure.

• California Insurers Continue to Deny 26% of All Claims

  Largest private insurance companies in California continue to deny more than one-fourth of all claims despite passage of national healthcare reform.

• MedAmerica and AIMS Launch FlexCare

  FlexCare a traditional reimbursement policy with an optional monthly cash benefit is available in three states.

• Types of Disability Insurance

  Disability Insurance also called DI or disability income insurance is insurance that insures an earned income against the risk that disability will make working impossible.

• To Ensure Continued SSI Benefits Keep Your Address Up To Date

  Direct deposit has made receiving a regular check in the mail a thing of the past for many recipients of Social Security benefits.

• 3 in 4 Campaign Addresses Boomer Long-Term Care Insurance

  Most Boomers value long-term care insurance but that fewer than 10 percent have gotten around to buying it.

• Buying Life Insurance with Serious Health Condition

  Tips for Buying Life Insurance if You Have a Serious Health Condition.

• Critical Illness Insurance Forecast to Be Growth Opportunity Next Year

  Critical illness insurance is forecasted to be a major fast growth opportunity for insurance brokers in 2011.

• Single Employees Less Likely to Have Life Disability Coverage

  A colonial life survey reveals single employees much less likely to have life or disability insurance coverage.

• ING Employee Benefits Expands Voluntary Employee Benefits Efforts

  U.S. ING Employee Benefits division announced it will expand its marketing activities to capture more voluntary employee benefits business.

• Guide to Reducing Cost of Long-Term Care Insurance

  Free Guide Outlines Ways to Reduce Cost of Long Term Care Insurance.

• Domestic Medical Travel Spurs Insurers to Increase Offerings and Reduce Employers Costs

  More insurance groups are offering domestic medical travel plans to employers and more employers are offering them to their employees.

• COPD and Disability Benefits

  For those with severe COPD who can no longer work Social Security Disability Insurance becomes an important financial option.

• Children's Health Insurance Coverage

  Even states with relatively low rates of uninsured children have gaps in coverage for some groups of children.

• Insurance - Medical Temporary Health Insurance Plans

  Information on obtaining a fast temporary health insurance plan for the specific period you require medical insurance.

• How Will the Affordable Care Act Affect 15M. Uninsured Young Adults

  Young adults continue to represent one of the largest groups of Americans without health insurance.

• Decision of Some Health Insurers to Drop Children's Coverage Statement by NPAF

  Recent declaration of certain health insurers in four states to stop selling child only insurance plans.

• Children's Health Insurance - Parents Perspectives

  Inability to pay is problem even in families with health insurance.

• The SSDI Process Following Workplace Injury

  The US federal government provides benefits for disabled Americans under the Social Security Disability Insurance (SSDI) program for injuries.

• New Health Insurance Exchanges Should be Independent

  New report addresses difficult issues for design of exchanges that will be key to effectiveness of the Affordable Care Act.

• Patient's Bill Of Rights Implements New Consumer Protections

  Patients Bill of Rights addresses insurance company abuse while providing the stability and flexibility that individuals and families need.

• US Senate Examines Concerns with Disability Insurance

  Courts have transformed ERISA into a shield that protects insurance companies from having to face the consequences of unprincipled benefit denials.

• Disability Insurance for Trades and Blue Collar Workers

  Disability insurance is based on occupational risk as well as your personal health risks and lifestyle choices.

• United States Senate Finance Committee to Investigate Long-Term Disability Insurance Claims

  Senate Finance Committee Chairman Max Baucus will convene a hearing to examine difficulties workers face in securing benefits they are entitled to from private long-term disability insurance plans.

• Questionable Medical Claims Up 10 Percent

  NICB Reports Questionable Medical Claims Up 10 Percent in 2009.

• Is Disability Insurance Worth It

  Is disability insurance worth purchasing explains reasons why consumers should consider the possibility of a disability policy.

• Do Insurance Companies Know Who the Good Doctors and Surgeons Are

  Several health plans have introduced physician rating systems to offer consumers more information when choosing their doctors.

• Tips for Settling with an Insurance Company

  In dealing with insurance companies after a motor-vehicle accident be extremely cautious and consult your own lawyer.

• Diabetes and Social Security Disability Insurance - You Might Qualify

  Many people who suffer from diabetes wonder if they qualify for Social Security Disability Income (SSDI) benefits.

• Choosing Between Disability Insurance and Critical Illness Insurance

  Disability insurance or income-replacement insurance provides a monthly benefit if you ever should become disabled.

• Critical Illness Insurance Cover for Peace Of Mind

  Critical illness insurance offers protection to a person diagnosed with a life threatening disease.

• Obama Administration Should Require Broad Financial Disclosures from Health Insurers to Scrutinize Unreasonable Rate Hikes

  Regulations requiring broad financial disclosures by health insurance companies to help insulate Americans from double-digit rate increases.

• Getting Social Security Disability Insurance

  Disability benefits for those whose ability to work has been impaired by injury illness or other disabilities.

• Anthem Life Insurance Integrated Approach in Colorado to Health and Disability Management with Productivity Solutions

  Anthem life insurance integrated approach in colorado to health and disability management with productivity solutions.

• Disability Insurance: The Need Is Now

  AccuQuote in the United States explains the benefits of having quality disability insurance.

• Will Insurance Companies Pass on the High Cost of Obesity

  The skyrocketing health care epidemic of obesity is now costing America $147 billion per year in medical costs.

• Fox Insurance Agrees to Pay Delinquent Medicare Part D Claims

  Fox Insurance Company agrees to wire $13.6 million in overdue payments for Medicare Part D prescription drug claims.

• Disability Insurance Free Webinars

  Disability Insurance Services Rolls Out FREE Wednesday Webinars.

• Enhanced Guardian Disability Insurance Coverage for Small Businesses in New York

  Guardian Offers Enhanced Disability Insurance Coverage for New York Small Businesses.

• Disability Income Insurance Broker Software

  New Innovative Insurance Marketing System for Disability Insurance Brokers and Producers.

• Disability Insurance Services and Custom Benefit Plans Announce New Relationship

  Disability Insurance Services market disability insurance products through nationwide network of brokers and affiliates.

• Social Security Disability Insurance During Disability Insurance Awareness Month

  Many people do not realize they have paid for disability benefits through FICA taxes.

• Early Stages of SSDI Claims Process

  The SSDI application process stages and eligibility determinations.

• SSDI Hearings - Claimant Credibility

  Your credibility is very important in a Social Security Disability SSDI hearing.

• Importance of Medical Records in SSDI Claims

  Critical factor involved in evaluating SSDI benefits is medical evidence presented on your behalf.

• SSDI Video Hearings Cases

  The implementation of SSDI video hearings has done a great deal to speed up the process.

• Heart Disease and Social Security Disability Benefits

  Social Security sets forth specific criteria when qualifying heart disease applicants for SSDI disability benefits.

• Americans Not Protecting Themselves with Disability Insurance

  Three-fourths of workers rate the emotional impact of becoming disabled and not being able to work for a living as high.

• Main Reasons SSDI Claims are Denied

  Many denied SSDI claims are justified unfortunately SSDI judges fail to approve many SSDI claims initially.

• Awareness for Disability Planning and Prevention - UnitedHealthcare Specialty Benefits

  The Council for Disability Awareness announces UnitedHealthcare Specialty Benefits has joined the CDA to raise awareness about disability planning and prevention.

• Less Than 50% of Americans out of Work Because of Disability Had Income Protection

  3 in 5 individuals who were out of work for at least six months because of a disability did not have disability income protection.

• Bad Faith Insurance Claims - Texas

  Bad faith acts can occur under any type of insurance policy including health disability life insurance boat and recreational vehicle policies.

• Unum Named Favorite Disability Carrier

  Unum tops the list of preferred disability carriers selected by members of the National Association of Health Underwriters.

• Heart Attack Patients Without Health Insurance Delay Care

  Patients without health insurance more likely to delay seeking care for heart attack.

• Fighting Unfair Disability Insurance Denial

  There are several reasons why a disability claim can be denied by an insurance company.

• Americans Hit Hard by Economy Risk Knockout Without Disability Insurance

  Serious risks facing American workers trying to cope in difficult economy without disability insurance.

• Health Insurance Websites Popular Among Americans

  24 million Americans visited a health insurance site in Q4 2009.

• SCAN Health Plan for Seniors and Low Income Applicants

  Information on the SCAN health plan providers for seniors and low income applicants.

• SCAN Health Plan California

  SCAN is now available to Medicare-eligible individuals in San Francisco, Contra Costa, Santa Clara and San Joaquin counties.

• Insurance Shopping Steps: Education, Comparison and Purchasing

  Online insurance comparison service for insurance quotes with step-by-step quote comparisons and purchase.

• How to File a SSDI Claim

  A number of tips that outline what you need to know before filing your SSDI claim.

• Guardianship Problems for Children with Disabilities

  Growing number of families with members with disabilities who will be cared for by siblings.

• Timely Tips for Parents Expecting a Baby

  Arrival of a baby is a major life events that trigger a review of your financial strategy.

• Disability Applicants Report Facing Foreclosure, Lost Health Insurance, Drained Retirement Savings and Worsening Illness

  SSA should explain assistance options at beginning of Social Security Disability Insurance application process.

• Attorney Disability Insurance LLC Launches Website for Attorneys and Law Students

  Website offers free disability insurance quote comparisons of leading carriers to attorneys and law students in all fifty US states.

• Call on States and Communities to Get Health Coverage to Uninsured Children

  Calls to enroll the 5 million children who are currently eligible for Medicaid or the Childrens Health Insurance Program (CHIP.

• What is Critical Illness Insurance

  Critical illness insurance fills gap in existing medical insurance coverage if you are not able to afford or lost your major health insurance.

• Health Insurance Reform Essential for Women - Pelosi

  Women will continue to face discrimination in both coverage and cost if health reform fails.

• Disability Insurance Website - KF Financial, Inc.

  Website for disability insurance and life insurance quotes.

• Role of Social Security Disability Insurance for Obtaining Medicare Benefits

  Applying for SSDI benefits earlier and with representation is key to meeting healthcare needs for people with severe disabilities.

• Denying Insurance Coverage and Discriminating Against Pre-Existing Medical Conditions

  Under health insurance reform insurance companies would be prohibited from refusing coverage based on medical history or health risk.

• Individual Health Insurance Market Failing Consumers

  In our current system millions of people without access to employer coverage have no affordable option for health insurance.

• Out of pocket Healthcare Costs Rise for Workers with Employer Coverage

  Americans with employer-sponsored health insurance are facing substantial increases in out-of-pocket (OOP) costs.

• Disability Insurance Payments for Accident and Illness

  Disability insurance can help to protect the whole family in case of being unable to work because of an accident or disease.

• Critical Illness Insurance During National Stroke Awareness Month

  According to the National Stroke Association stroke is the number one cause of adult disability.

• Protecting Your Biggest Asset - Your Income

  A minor injury or illness can lead to temporary disability and derail your plans and your finances.

• Ways to Protect Your Paycheck from Disabling Illness or Injury

  May is Disability Insurance Awareness Month here are three steps to help Americans get the insurance coverage they need.

• Insurance Coverage Affects Access to Quality Cancer Care

  Research shows disparities in quality of care for kidney cancer patients with Medicare insurance coverage.

• Canadians not Confident They Have Enough Insurance Coverage

  10 times your annual income is the recommended benchmark for insurance coverage in Canada.

• Long Term Disability Family Care Reimbursement Benefit

  Introduction of a Family Care Reimbursement Benefit rider on its group long-term disability insurance product.

• Assistance Living with a Disability and Seeking Financial Support

  SSC Disability launches a new web site to provide information and assistance to individuals living with a disability and seeking Social Security Disability Insurance financial support.

• AARP Health Insurance and Medicare

  AARP Health Care Options program is found to be best suited for individuals falling in the 50 and over seniors age group.

• Health Insurance COBRA OBRA HIPAA Medicare Definitions

  Examines the various forms of health insurance schemes in the United States and the benefits of each.

• Health Insurance in the UK

  For many people the biggest advantage of paying for Private Medical Insurance is being able to avoid long queues on the NHS.

• Information on Shopping for Health Insurance

  The most important part of choosing a good health insurance policy for you and your family is to ask the right questions.

• UK Health Insurance Tips

  There are ways to cut health insurance costs and still get quality cover and quality medical care.

• Why Disability Insurance is Important

  Explains the importance of having adequate disability insurance coverage in your life.

• Disability Insurance Explained - USA

  Information regarding U.S. Social Security Disability Insurance SSDI and Supplemental Security Income SSI.

• Hartford Disability Claims Service Helps Workers Back to Work Faster

  The Hartford Financial Services Group is expanding its services to ensure experienced medical experts help ill and injured workers at each step of a short-term disability claim until they return to an active productive life.

• Health Insurance Essential for Health and Well-being

  Evidence shows more clearly than ever that having health insurance is essential for peoples health and well-being.

• Health Insurance Options for the Self Employed

  Small businesses or working as independent contractors the need for self employed health insurance is on the rise.

• Only One in Ten Unemployed Workers Obtain COBRA Coverage

  COBRA low income unemployed need new coverage options and financial assistance to keep health insurance.

• Taking Responsibility for Your Own Health

  Tips for taking responsibility for your own health and understanding the health care account .

• Choosing Health Care Group Plans vs Individual Insurance Plans

  Group plans vs individual plans - tips to find the health care insurance plan you and your family need.

• Holidaymakers with Disabilities Should Check Travel Insurance

  Disabled holidaymakers have been advised to check their travel insurance to make sure it covers key areas.

• Benefits of Travel Insurance

  Explains the benefits of why you should always take out a good travel insurance policy cover before a trip.

• Benefits of Disability Insurance

  According to MetLife 80% of working Americans are not covered or do not have any disability income insurance.

• Disability Insurance Facts

  Disability cover is often passed by when people are looking for insurance policies.

• Group Disability Supplemental Insurance Plans

  Group benefits are commonly reduced based income from other sources such as federal Social Security Disability Insurance.

• Pregnancy Disability Insurance

  Disability insurance can be the answer to a households cash flow due to pregnancy.

• Social Security Disability Benefits Essential for Sound Financial Planning

  Only a third of Americans have long-term disability insurance most people rely on Social Security Disability Insurance SSDI paid through FICA taxes if they become disabled.