Multi car accidents can happen anywhere and anytime. Often, multi car pile ups occur on the expressways and major roads in and around Chicago. Due to the number of people and cars involved, they can cause significant physical injuries. Lawyers can help you to solve the hassle of dealing with multiple insurance companies and holding… Read More
What is Disability Insurance?
You might be wondering what disability insurance is and why it’s important to have. Disability insurance protects your income. It helps by replacing a portion of your monthly income if you are unable to work due to an injury or illness. This is important because you don’t have to worry about not having the money… Read More
Top Reasons Long Term Disability Claims are Denied or Terminated
You filed for Long Term Disability and just found out that the insurance company has denied your claim. Yet you know that you cannot work and your doctor agrees. How could this be? Why do insurance companies deny short or long term disability claims? Why do they abruptly terminate LTD benefits while you still need… Read More
Does Retirement Age affect my Long Term Disability?
If you need to use your long term disability insurance close to retirement, eligible time frames can change based upon your age. Typically, long term disability is paid out for a certain number of years and up to a certain age. Many plans will pay out until age 65 or retirement age under social security…. Read More
Can I go on Long Term Disability for Breast Cancer?
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
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