New Podcast Episode!
In part one of our new series on business insurance coverage, host Evan Schwartz chats with Josh Weisberg, Chief CoverageI Counsel and Director of Risk Management Services at SterlingRisk Insurance.
The two discuss what types of insurance policyholders with commercial offices need, as well as how the landscape of the industry has changed due to the coronavirus pandemic.
Click the link below to listen now, and find the show on all major podcast networks. https://hubs.ly/H0wndbz0
#podcast #insuranceclaim #business
Dressing is one of the activities of daily living (ADLs) contained in most long term care insurance policies.
According to the U.S. National Health Interview Survey, 20.7 percent of adults age 85 or older, 7 percent of those ages 75-84 and 3.4 percent of people in the 65-74 age range need help with Activities of Daily Living (ADLs), which besides dressing include bathing, eating, toileting, continence, transferring, and cognitive impairment.
If you or a loved one is struggling with dressing, here’s a look at what you can do to get benefits paid. https://hubs.ly/H0w9HzW0 #longtermcare #insurance #insurancecoverage
SCHLAWPC.COM
Dressing and Your Long Term Care Benefits
Did you know that back pain is the leading cause of disability worldwide?
While many people suffer from this common type of pain, insurance companies employ several tactics to dispute, deny, or terminate claims based on a lack of objective evidence.
In this blog post, we discuss some ways that back pain sufferers can establish objective evidence for their subjective complaints of pain. https://hubs.ly/H0vFSdV0
#insuranceclaim #longtermdisability #backpain
SCHLAWPC.COM
Back Pain and Long Term Disability Claims: How to Get and Keep Your Benefits
In a decision that could have far-reaching implications, several business insurance policyholders beat an insurance company motion to dismiss their lawsuit seeking coverage for losses due to COVID-19-related closures.
In our latest blog, we discuss this recent development and the potential implications it has for business owners.
https://hubs.ly/H0vdX000
#businessinsurance #insurancepolicy #businessowners
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COVID-19 Business Interruption Proposed Class Action Green-Lighted by Federal Judge
Pain can be truly debilitating making it impossible for people to work or live as they normally would. Matters can be made even worse for those who must prove their pain to their insurance company so that they can receive the benefits they were promised.
Federal courts around the country, though, have ruled that subjective complaints of pain and disability are important factors that insurance companies must consider in determining whether to pay benefits.
We discuss a court case that offers a roadmap to overcoming insurance companies’ defenses against subjective complaints of pain and disability.
https://hubs.ly/H0tXpr60
#insurancecompanies #insuranceclaims #longtermdisability
SCHLAWPC.COM
Subjective Complaints of Pain and Disability - They Matter and Can Be Proven
Hurricane Isaias recently barreled up the East Coast, leaving destruction in its wake and prompting thousands of homeowners and businesses to submit insurance claims.
Unfortunately, many policyholders are being caught off-guard by unanticipated gaps in their coverage.
If you have suffered damage from a hurricane or other natural disaster, you may be entitled to benefits. Here's what you need to know. https://hubs.ly/H0twv7M0
#hurricaneseason #hurricaneinsurance #businessowners
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Will your insurance policy cover you for damage caused by hurricanes and storms?
According to the CDC, around 2% of adults suffer from fibromyalgia, which can cause severe chronic pain, affecting your ability to work and live.
Despite this, insurance companies often dispute and deny claims involving pain and fatigue resulting from fibromyalgia. These companies typically say the claimant has not proven that their symptoms are disabling, or that their claim is not supported by objective medical evidence.
In this blog post, we explain how to discover if you have fibromyalgia and what to do to prove it’s disabling you. https://hubs.ly/H0ylVlv0
#longtermdisability #insuranceclaim #longtermcare
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Fibromyalgia and Long Term Disability Benefits: Proving Disability
Accidental death and dismemberment (AD&D) insurance provides protection if a policyholder dies or becomes disabled as the direct result of an accident.
AD&D policies can be complex, containing many exclusions, which often leads to claims being denied. We discuss some of these exclusions and what you can expect when you file your claim.https://hubs.ly/H0BcjfP0
#lifeinsurance #insuranceclaims #insurance
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Accidental Death and Dismemberment Policies: Beware the Small Print
Litigation related to COVID-19 is heating up on many fronts as lawsuits continue to spread across different industries and areas of the law.
With the pandemic’s devastating impact on the economy and its sweeping disruption to business and consumer activity, it’s likely the current litigation activity is just a taste of things to come.
For those dealing with COVID-19 litigation, many insurance companies are denying or terminate policyholders' claims. We discuss in our latest blog post.
https://hubs.ly/H0zk3g80
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COVID-19 Litigation Expands Across Multiple Sectors
Migraines are very common and can be debilitating. However, the pain and other symptoms are subjective, and therefore their impact on your daily living is hard to measure.
Long term disability insurance companies deny or terminate disability claims for migraines, citing a lack of objective evidence or insufficient proof that the condition is disabling to the individual.
Fortunately, there are ways to “quantify” your suffering and prove that the condition is impairing your ability to work and live a normal life. Here's what you need to know before filing a claim. https://hubs.ly/H0yRP3j0
#longtermdisability #migraine #insuranceclaims
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Migraines and Long Term Disability Insurance: Getting and Keeping Your Benefits
The shift to remote work by many organizations increased computer system vulnerability, creating a wave of ransomware insurance claims.
During the first six months of 2020, Coalition, a provider of cyber insurance, reported a 260% spike in ransomware claims, which accounted for 41% of the company’s cyber insurance claims.
The increase in activity highlights the need for organizations to protect themselves against cybercrime with software, employee training and insurance. https://hubs.ly/H0FTYDn0 #ransomware #cybersecurity #cyberinsurance
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Protecting Your Organization from the Growing Threat of Ransomware Attacks
Incontinence is a common problem associated with aging and certain illnesses. In order to live independently, individuals must be able to care for incontinence, which is considered one of the six activities of daily living that are used to trigger eligibility for long term care insurance benefits.
If you are a policyholder and you struggle with incontinence, it may be time to file a claim. We discuss in our latest blog post. https://hubs.ly/H0Fv2y90
#longtermcare #incontinence #insuranceclaims
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Incontinence and Your Long Term Care Insurance Benefits
If you or a loved one is no longer able to bathe without assistance, you have met one of the criteria to be eligible for long term care insurance benefits.
Getting benefits is not as simple as completing a form, however. Your insurance company will require proof of your inability to bathe independently; and oftentimes, insurers will attempt to dispute or deny your claim.
Here's what you need to know to ensure you receive the benefits you deserve.
https://hubs.ly/H0D67GF0
#longtermcare #insuranceclaim #insurance
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Bathing and Your Long Term Care Insurance Benefits
New Podcast Episode! In part two of this series on business insurance policies, host Evan Schwartz continues his conversation with Josh Weisberg, Chief CoverageI Counsel and Director of Risk Management Services at SterlingRisk Insurance, as they delve into the world of Construction Insurance Policies.
The two discuss how the market is changing as a result of COVID-19, as well as what construction companies need to think about in terms of their risk and the insurance they need to protect themselves.https://hubs.ly/H0C-r4C0
#legalpodcast #insurancelaw #insurancecoverage #businessinsurance
Transferring is one of the activities of daily living (ADLs) that individuals need to be able to do in order to care for themselves independently. This term, which refers to the ability to walk or move from a bed, chair or wheelchair and back again, is used to determine whether individuals covered by long term care insurance policies are eligible for benefits.
When making a claim for long term care insurance benefits, insurance companies often manipulate facts and rely on vague policy language to try to dispute, deny or terminate long term care benefits.
If you or a loved one is struggling with transferring, here is what you can do to ensure you get your benefits.
https://hubs.ly/H0CPCy60
#insurancecoverage #transferring #ADL #longtermcare
SCHLAWPC.COM
Transferring and Your Long Term Care Insurance Benefits
With COVID-19 cases in the United States currently closing in on 15 million and counting, the potential for a tsunami of long-term disability claims is on the horizon as the virus leaves a mysterious legacy known as post- acute COVID syndrome, otherwise known as Long-Haul Syndrome, in its wake. https://hubs.ly/H0C8Qy80
#covid19 #longtermdisability #insurancecoverage
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Spike in Long Term Disability Claims Expected as Post-COVID Syndrome Cases Grow
