Frequently Asked Questions and Answers

Who are Company Employee Adjusters and Independent Adjusters?

What is a Catastrophe or Emergency Adjuster?

How can you verify if your Public Adjuster is licensed?

Should you hire a Public Adjuster?

What can you do to improve your chances of getting your long term disability insurance benefits approved?

What happens after you file your disability insurance claim?

What is the elimination period on a long term disability insurance policy?

From the moment you file your disability insurance claim, by when should you expect the carrier's decision?

Your insurer requested to speak to your employer, supervisor and other co-workers about your disability insurance claim. Can the insurer do this?

What information do insurers use to approve or disapprove your disability insurance claim?

If your disability insurance claim is denied, will your claim end up in trial?

Your disability insurance company is requesting you file for Social Security Disability benefits. Is this required?

If you are approved for disability benefits, until when will your benefits continue?

What is "Waiver of Premiums?"

Is there a deadline for filing a long term disability claim once you stop working?

Can disability insurance companies use your workers compensation benefits to reduce or offset against your disability insurance benefits?

What is the Diagnostic and Statistical Manual of Mental Disorders, Fourth Edition?

Your doctor has diagnosed you with a mental and/or nervous disorder, but your disability insurance company has denied your claim, why?

What are the benefit limitations for mental and/or nervous medical conditions?

Do long term disability insurance companies treat Bipolar Disorder under the policy's two-year limitation on mental and nervous disorders?