Missouri Insurance Lawyer Blog

Government officials have been warning for some time that the Second Injury Fund for injured workers was running out of funds to pay claims. With nearly 30,000 outstanding claims and 700 new claims being filed each month, this is a big problem for the attorney general. See this recent news story from the Belleville News Democrat.

It is a common scenario that insurance companies who have sold you a disability policy attempt to terminate benefits claiming the disability is no longer present, or severe enough to prevent employment. This most commonly occurs between two to four years after receiving the benefits depending on the type of language in your contract. Most disability insurance policies include a time period ranging from two to four years after which the definition of total disability changes. The definition typically narrows which is generally bad for the policy holder. This change may take the form of either increasing the number of occupations which should be considered before determining if you are disabled, or narrowing the requirements to meet ongoing disability.

Furthermore, disability policies include the right of the insurance company to obtain your medical records, and to periodically have you examined for the purposes of determining if you are still disabled.

Continue reading "Disability Insurance Denials When Your Company Says You're No Longer Disabled" »

Insurance is critical to protect your security in good and bad times. Life insurance, liability insurance and disability insurance are key to protecting yourself and your family. This article discusses some of the key points.

Wealth Matters - Never Mind Your 401(k). How's Your Insurance? - NYTimes.com.

People purchase disability insurance to provide financial assistance in the event they become disabled and unable to work for a living. These policies are sometime purchased by an individual but most often they are provided as a benefit by an employer as part of a group plan. These policies are also commonly sold to professionals such as doctors and lawyers. Unfortunately, many legitimate disability claims are unfairly denied by the disability insurance companies, leaving policyholders without the benefits of a policy they have paid for.

If you have suffered a disability because of car crash or other tragedy or illness you may be entitled to benefits under your group or individual disability policy. If you insurance company denies your claim the law firm of Tatlow, Gump, Faiella & Wheelan may be able to help. To learn more visit our web site or give us a call at 1-800-264-3455.

Great information on disability insurance from the New York Times.

Disability, the Insurance That Is Often Sadly Overlooked - NYTimes.com.

If you have disability insurance and have become disabled, but your insurance company won't pay you need and an attorney experienced in this area. The lawyers at Tatlow, Gump Faiella & Wheelan, LLC can help. Contact them at www.tgfwlaw.com

This New York Times Article points out some important considerations when purchasing disability insurance.

Variations on a Theme: Explore the Differences in What Policies Offer - New York Times.

If you have disability insurance but, your insurance company won't honor the promise they made when the took your money you need a lawyer experienced in insurance claims denials. Chris Faiella of the lawyer firm of Tatlow, Gump, Faiella & Wheelan, LLC may be able to help. Learn more at www.peoplesinsurancelawyer.com and tgfwlaw.com.