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Types of Insurance

Study Provides Objective Evidence of Chemo Brain Symptoms

Described in an article released on November 27, 2012, researchers have found evidence to explain the cognitive effects of chemotherapy on cancer patients. Chemotherapy is used to treat many conditions besides cancer, including Multiple Sclerosis, Crohn’s disease, Rheumatoid Arthritis and many others.  According the Wikipedia, “traditional chemotherapeutic agents act by killing cells that divide rapidly, one of the…

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This Story has Bad Faith Written all Over it

Todd and Jane Pierce were a middle-aged couple from Colstrip, Montana who spent nine years struggling and supporting each other through Todd’s fight with cancer.  Todd was diagnosed with skin cancer in his nasal cavity, but luckily, treatments were effective and Todd was able to become cancer-free within two years.  In order to “rebuild his…

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How to Find a “Lost” Life Insurance Policy

You may have noticed some of the country’s largest life insurance providers, such as AIG, MetLife and Prudential, have been in the news lately.  A handful of states recently settled with MetLife and AIG for millions of dollars in order to eliminate old and introduce new claims handling procedures when it comes to unclaimed life insurance policies. …

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Insurance Commissioners’ Life Insurance Investigation Leads to Multi-State Settlement

The National Association of Insurance Commissioners (NAIC) announced in April 2012 a $40 million settlement with Metropolitan Life Insurance Company (MetLife) after an investigation by the NAIC Investigations of Life and Annuity Claims Settlement Practices Task Force that started in 2011. MetLife, as well as many of the nation’s other life insurance providers, routinely cross-checks…

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When will your AD&D policy actually pay?

As the name illustrates, AD&D (Accidental Death and Dismemberment) policies provide benefits in the case of an accidental death or dismemberment of an insured. Many employees of high-risk, dangerous occupations, such as construction workers, purchase AD&D plans due to their lower rates when compared to regular life insurance policies. However, it is important to understand…

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Unum – Listed as the 2nd Worst Insurance Company

Unum, previously known as UnumProvident, First Unum, and Paul Revere, is the largest disability insurance provider in the United States today. With profits reaching almost 900 million dollars, according to CNN Money, Unum is one of the most profitable and resourceful companies in the insurance market. And with great success comes bad publicity – Unum…

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Top 10 Reasons for Denial of Disability Benefits

Lack of Objective Evidence Many disability insurance companies today, especially CIGNA, have difficulty in accepting and approving claims for disability benefits for conditions such as Fibromyalgia, Chronic Fatigue Syndrome, and Chronic Headaches and Migraines. Even with all the advancements in science and technology that have greatly impacted the way we provide service to patients, some…

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Most Common Causes of Disability in 2011

According to the Council for Disability Awareness, the leading cause of disability in both new and existing LTD claims in 2011 was due to diseases of the musculoskeletal system and connective tissue. Some of the most common diseases of the musculoskeletal system and connective tissue include Arthritis, Herniated Discs, Degenerative Disc Disorder, Back Pain, Spine/Joint…

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Protecting Your Financial Security through Disability Insurance

According to a recent survey by Northwestern Mutual, only 8 percent of Americans have a disability insurance policy to protect their financial security. Each year, injuries and illness prevent millions of people in the U.S. from working. Keep in mind that it is never too early to prepare for your future and to develop a…

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