Breast cancer is the leading type of long term disability claim when it comes to cancers. As with other cancers, breast cancer can be the basis for short or long term disability if you are no longer able to work as a result. Usually, cancer patients who need to go on disability do so either… Read More
What it means when your Car is Totaled in Illinois
Serious car accidents often result in having your car totaled. This is insurance speak for a total loss on a vehicle. Totaling out a car is the result of a mathematical formula. It is used to decide that your car is no longer worth repairing because it would cost more to fix than what it… Read More
Is my Income Protected by Insurance if I can’t work anymore?
As we get caught up in our busy work lives, most of us don’t stop to think about what would happen if we had an accident or our health significantly declined. The reality is that 25- 30% of American workers will face a health crisis during their lifetimes, causing at least a temporary inability to… Read More
Common Causes of Long Term Disability
Many American workers have long term disability insurance policies through their job. Have you ever wondered what actually causes people to have to go on disability? It is estimated that 25-30% of U.S. workers will become at least temporarily disabled at some point, impacting their ability to work. The list of reasons for having to… Read More
Can I use a Medical Lien to pay bills after a car accident?
When faced with medical bills after a car accident, many people prefer to have a medical lien placed on their bills. When a lien is placed on a bill, this means that the bill does not have to be paid until a case is settled or until the end of a court case. This scenario… Read More
What is the Claim File in my Long Term Disability Case?
If you are appealing your long term disability because the insurance company has denied your benefits, you need the claim file. The claim file is everything that the insurance carrier of your disability policy has that pertains to your case. Depending on the insurance company and the specifics of your case, the claim file could… Read More
How Fault is Determined After A Car Accident
Car Accident is the term most often used when there is a crash. The word accident implies that it was no one’s fault, but that is usually not true. Determining who was at fault for a car accident becomes especially important under Illinois law, if someone was seriously hurt. Who Decides Fault Following a Car… Read More
Is it Worth Applying for Short Term Disability?
STD, or Short Term Disability, is a type of insurance benefit offered by many employers. It is designed to cover a portion of your income if you can’t work in your own occupation after becoming sick or injured. In most cases, it is worth the effort to apply for your short term benefits. Short Term… Read More
What do Do if Hit by a Distracted Driver
Distracted Driving Accidents Distracted driving is the cause of a vast majority of today’s car accidents. If you think that you were hit by a distracted driver, Illinois law is on your side. You still need to prove that the distracted driver actually was negligent, meaning that they did something wrong. Most distractions will be… Read More
10 Things You Need to Know About ERISA Disability Cases
ERISA long term disability cases are extremely complex. To help you begin to make sense of it, below is an introduction to ten things that you need to know if your long term disability carrier has denied benefits. Are you feeling surprised or scared because your insurance company denied your disability benefits claim? Are you… Read More