You purchased a long-term care insurance policy to provide assistance doing  Activities of Daily Living so you wouldn’t be a burden on your family. But what types of activities were

If you’re receiving long term display benefits you might be surprised to learn the disability carrier or plan may have the right to have you undergo A functional capacity evaluation,

My father, who was a World War II naval aviator, came back from the war, went to Johns Hopkins on the G.I. Bill, and joined the family insurance business. He

You may have heard the term “average man” used on legal TV shows and are wondering whether an ERISA disability carrier or plan uses an “average man” test to determine

A letter from your doctor saying that you are disabled isn’t what your ERISA disability carrier or plan is looking for in deciding whether you meet the policy or plan

Unum insurance company, like many disability carriers, hates to pay benefits and in particular hate to pay large monthly disability benefits like they were obligated to pay attorney Edward Chung.

Many long-term care policies provide assistance if you are unable to or need assistance with basic activities of daily living, known as ADL’s. While each policy is different generally you

Did you know that over 7.6 million individuals receive care at home? When you need chronic full-time care you’d rather have it at your home where you’re comfortable as opposed

Complex regional pain syndrome, known as CPR, is an acquired neuropathic pain syndrome. If you or a loved one has CPR and are covered by a long-term health care plan

Do you or a family member have a long-term health care (LTHC) policy and been diagnosed with migraines? Migraines can cause dizziness, nausea and even vision problems. Did you know