What Happens If I Don’t Pay My Long Term Care Insurance Premium and My Policy Lapses?

This following is a general statement of what happens often but is not a guarantee of an outcome. Whether you can ultimately reinstate your Long Term Care Insurance Policy (“Policy”) depends heavily on: (a) Policy terms; (b) state where you live; ( c) state where you purchased the Policy; and (d) statutes and regulations where [...]


Fact Sheet: ERISA Restores Over $ 777.5 Million to Employee Benefit Plans, Participants and Beneficiaries

Through its enforcement of the Employee Retirement Income Security Act (ERISA), the Employee Benefits Security Administration (EBSA) is responsible for ensuring the integrity of the private employee benefit plan system in the United States. EBSA's oversight authority extends to nearly 681,000 retirement plans, approximately 2.3 million health plans, and a similar number of other welfare [...]


What Happens If I Have a Long-Term Disability Policy and I Can’t Pay the Premium?

If you become disabled due to an illness or injury for which qualifies you to receive long-term disability payment, usually you no longer need to pay premiums. Most policies contain a waiver provision that provides in substance that if you qualify for long-term disability benefits, you are not required to pay premiums while you are [...]


What Happens If the Life Insurance Policyholder Dies Within the Contestability Period?

What is a life insurance contestability period? If the life insurance policy holder dies within the contestability period, the life insurance company will investigate whether the insured provided accurate information on the policy application. The insurance company has the option of denying payment of the policy death benefit if it can prove that the [...]


Do You Qualify for Long-Term Disability for Migraines?

While it's possible to receive long-term disability benefits for chronic migraine headaches, being approved for long-term disability for migraines requires a lot of time and diligence. Below, we explore some tips that can help you increase your chances of receiving a long term disability claim approval. At Jonathan M. Feigenbaum, Esquire, we understand what it takes to secure [...]


Jonathan M. Feigenbaum, Esq. is a presenter at the ABA TORT TRIAL & INSURANCE PRACTICE SECTION (TIPS) 45th Annual TIPS Midwinter Symposium on Insurance and Employee Benefits—Life, Health and Disability, and ERISA: Emerging Issues and Litigation.

January 9, 2019 Boston, Massachusetts - Jonathan M. Feigenbaum, Esq. is speaking at the ABA TORT TRIAL & INSURANCE PRACTICE SECTION (TIPS) 45th Annual Midwinter Symposium on Insurance and Employee Benefits—Life, Health and Disability, and ERISA: Emerging Issues and Litigation. Jonathan is an American Bar Association Fellow. He is the Vice Chair of the American [...]


5 Things to Do Before Filing Long-Term Care Insurance Claims

LTC insurance can be very valuable, as it can pay for your loved one's medical care. However, filing a claim and qualifying for LTC benefits can be overwhelming, frustrating, and time-consuming. Below are five steps you can take to prepare for a LTC insurance claim. Long-term care insurance claims attorney Jonathan M. Feigenbaum, Esquire can help you navigate the process. Contact Jonathan [...]


3 Steps to Follow in Your Insurance Appeal

If you recently received an insurance denial from a disability insurance company, you’re not alone. It’s not uncommon for insurance companies to deny claims — even legitimate ones — early on. However, if you disagree with the company’s decision, you need to act quickly. You’ll need to prepare your insurance appeal as well as build up [...]


How to Protect Yourself From Insurance Company Surveillance Tactics

Insurance company surveillance tactics can make you feel like a criminal, even though you’ve done nothing wrong. During a long-term disability (LTD) claim, the company might hire investigators to monitor your behavior, looking for ways to discredit your credibility. Learn how to protect your privacy during an LTD claim below. Insurance Companies Look for [...]


What Does “Any Occupation Disability” Mean? Understanding Your LTD Plan

If you have a long-term disability (LTD) claim, you’ll probably encounter the words “any occupation disability” or  “gainful employment” during the claim process. But, what do the terms mean? If I worked as an outside sales representative or a software engineer or a project manager, does this mean that I am no longer disabled [...]

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