When addressing claims, different approaches to handling each disability claim are necessary because contractual provisions can vary dramatically, especially when addressing the definition of "total" ...

Offsets are a tool insurers use to reduce the benefits they owe an injured worker by deducting benefits the worker receives ...

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One in four 20-year-old Americans will be disabled before they reach age 67, according to the Social Security Administration. This reality underscores the need for long-term disability insurance (LTDI ...