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
You Can’t Have Enough Car Insurance in Illinois
There is no such thing as having too much car insurance. Let’s face it, even though it’s illegal to drive without insurance in Illinois, some people still do. It’s important that you at least have the required auto insurance to protect yourself and your loved ones. I also suggest getting even more insurance to protect… Read More
I Feel Blamed after being Hit by a Car
If you were hit by a car while walking or jogging, the last thing on your mind after a serious pedestrian accident is having to defend yourself from blame. Don’t think that just because you were a pedestrian that the driver’s insurance company won’t try to blame you for the accident. Insurance companies are required… Read More
Med Pay to Cover Bills After a Car Accident & Why to Check your Coverage NOW
Medical Payments Coverage, or ‘Med Pay’, is an optional coverage that every driver should have on their insurance policy. While it is not required in the State of Illinois, it is a good idea to have it. Med Pay pays the medical bills of a driver and their passengers following a car accident, regardless… Read More
Long Term Disability Repayment following Social Security Award
It is true that you’ll likely have to repay your long term disability carrier once awarded social security benefits. You probably received a letter from your long term disability insurance carrier demanding that you give them back some of what you were rightfully paid under the policy. These letters often come right after receiving an… Read More
Legal Documents Every College Student Should Have
Once children turn 18 or go off to college, they should consider preparing a Power of Attorney. As I write this over the summer of 2020, there is growing uncertainty surrounding the upcoming school year. One thing that is for certain, if you have children in college, you should discuss with them putting in place… Read More