Are you an employee or professional in Northern California who is covered by an employer-sponsored long-term disability insurance plan?
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.
When you are making a long-term disability claim, your expectation is probably that the insurer will handle the claim in a timely manner. But insurers often fail to support claimants as promised. Insurers make money by keeping claim settlements low and monthly premiums high, so protecting their bottom line is top priority. Even if a settlement has been reached, an insurer may attempt to drag its feet when it comes time to paying out what was agreed upon.