Q: What happens if a disability insurance claim is denied in “bad faith”?

Sometimes, karma happens.

In a perfect world, a person with long term disability insurance (“LTD”) would submit a valid claim with sufficient medical documentation in support and it would be approved. The financially-vulnerable (and now-disabled) insured would benefit from having had the good fortune and/or foresight of obtaining LTD insurance in healthier days either through an employer plan or a private policy.

Q: Can Social Security disability insurance payments offset long-term disability benefits?

Seeing an Arizona long term disability insurance attorney as soon as possible after becoming disabled can help expedite financial relief. If you have long-term disability insurance (“LTD”) through your employer, or are considering buying a private policy, the language of the policy and any riders to it is particularly important… and potentially disastrous. An attorney can help you understand what you can expect from a policy.