Disability Happens ™
And the journey to heal begins…
How you can unwittingly help disability insurance companies deny your claim
You have probably seen surveillance footage of a fraudulent disability insurance claimant who claims to have a bad back, but is caught on camera lifting a heavy carton. What the cameras do not show is the legitimate disability claimant who is denied benefits by their insurance company.
Unless you know someone personally who has been denied [...]
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Category :
Bad Faith, Denied, Disability Insurance, Fraud, Insurance, Insurance Claims, Workers Comp 
1 Comment » “bad faith” - the documentary
Long-Term Disability (LTD) seems like a good idea. After all, 1 out of 3 U.S. workers will require some form of supplemental disability income during their lifetime. Since most workers can only survive 3 months out of work, it makes LTD insurance sound better all the time. At least that is what the insurance companies want [...]
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Category :
Bad Faith Bad faith insurance companies
Fight Bad-faith Insurance Companies (FBIC) is an excellent site on getting the low-down on your insurance company. In previous posts it has been mentioned that there are no Federal or State laws that specifically regulate insurance policies. Sure, there are rules and regulations on how insurance companies conduct business, but when it comes to how [...]
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Long-term disability claimants make perfect victims
A few years ago someone close to me became disabled. She had purchased a long-term disability (LTD) policy with CNA insurance and felt fortunate to have the policy.
She was brought up with a strong work ethic, this, coupled with the fact that she immensely enjoyed her job, only increased the emotional pain of not working. [...]
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Bad Faith, Denied, Disability Insurance, Insurance, Insurance Claims, Insurance Companies How ERISA makes your long-term disability policy worthless
Chances are if you have a long-term disability (LTD) insurance policy it falls under the Employee Retirement Income Security Act (ERISA) guidelines. If that is the case then know now that if you ever become disabled and file a LTD claim there is a chance you will be denied your benefits after a year or [...]
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Category :
Bad Faith, Court Rulings, Denied, Disability Insurance, Fraud, Insurance Claims, Insurance Companies, Workers Comp Long-term disability insurance — fiction or fact?
Benjamin W. Glass’ book Robbery Without a Gun, is a thin book as books go. Even though modest in length the message speaks volumes—and one that you should seriously consider getting your hands on if you have a long-term disability (LTD) policy or have recently become disabled.
If you are someone who has never been denied [...]
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Can a whistle blower fund help stop bad faith insurance companies?
Recent headlines report that a $9 million award was given to 52-year-old Patsy Bates. She had begun chemotherapy for breast cancer after undergoing surgery to remove a tumor. Her insurance company, Health Net, pulled the plug on her coverage half-way through treatment leaving her doctors no choice but to stop chemotherapy.
At the root of Health Net’s decision [...]
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