Comments on: How ERISA makes your long-term disability policy worthless

By: Edwin R.

Edwin R. — Sun, 11 Sep 2011 20:59:25 +0000

I purchased a group LTD plan from my employer HCA/Grand Strand Regional Medical Center with Prudential which I was led to believe that after a 5 month waiting period I would be paid half my salary. Truth is that waiting period doesnt begin until Prudential deems me disabled which by their guidelines is in 24 months. So, instead of 5 months from injury, it is 2.5 years from injury. I would still have to be making my monthly premium payments until I start receiving benefits even though I probably would not have a job and that half salary is reduced by other benefits like social security which if I didnt apply for I will be denied. Same thing UNUM was foung guilty of. What a scam!!!

By: Kafie

Kafie — Sun, 17 Jan 2010 18:36:06 +0000

THIS IS AN EPIDEMIC OF MASS PROPORTIONS.

By: Disability Happens » “bad faith” - the documentary

Disability Happens » “bad faith” - the documentary — Thu, 27 Sep 2007 12:24:13 +0000

[...] During October, Donahue will be visiting Washington to distribute a copy of “bad faith” to every Senator and Representative. One of her goals is to have the McCarran-Ferguson Act repealed. It was a law Congress passed in 1945 that prohibited the Federal government from overseeing insurance policies. Yes, you read that right–the Federal government is not allowed to have a say in the regulations of insurance policies. [...]

By: Disability Happens » Bad faith insurance companies

Disability Happens » Bad faith insurance companies — Thu, 26 Jul 2007 06:53:41 +0000

[...] site on getting the low-down on your insurance company. In previous post it has been mentioned that there are no Federal or State laws that specifically regulate insurance company policies. Sure, there are rules and regulationsÂ on how an insurance companies conduct business, but when it [...]