It's not a secret that insurance companies do everything possible to avoid a level playing field when it comes to their handling of long-term disability claims.
Aetna has had better weeks.
Maybe you think you're just being paranoid or overly sensitive following the filing of a long-term disability claim in which the insurance company finally recognized the merits of your claim after protracted challenges.
There are numerous ways for someone in California to protect him or herself from financial hardship in the event of a catastrophic illness or injury. When these events require a worker to take a significant amount of time off work, unpaid sick days are usually not enough to support the family during recovery. Some workers are fortunate that their private employers offer long-term disability insurance as part of their benefits package. Under most circumstances, these benefits are governed by ERISA - the Employee Retirement Income Security Act of 1974.
A disability insurance policy is essentially an agreement wherein the insurer promises to provide you with financial support when you can no longer support yourself in return for the premium payments made by you or your employer on the policy. While the arrangement seems straightforward, insurance companies and their policyholders are frequently at odds.