COVID-19’s impact cannot be overstated, particularly on the medical community. While it might seem like something in the rear-view mirror now, COVID-19-based disability claims continue to be revisited and challenged by insurance companies.
One such case is that of
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Will My Insurer Pay My Claim if I Demonstrate that I Worked for as Long as I Could Before I Filed My Disability Claim?
Unfortunately, if a disability insurer has identified an argument that allows them to deny a claim, the insurer will generally not be swayed by the fact that the policyholder demonstrated a willingness to work for as long as possible
ALS
What is Amyotrophic Lateral Sclerosis (ALS)?
ALS (also called Lou Gehrig’s disease) is a fatal neurodegenerative disease that affects nerve cells in the brain and spinal cord. It affects voluntary muscle control, including the muscles used for breathing, talking, eating
Can I File a Disability Claim for Pregnancy? Part II
As explained in our previous post, some disability insurance policies indicate that they won’t pay benefits due to pregnancy or childbirth, but that they will cover a disability due to complications for pregnancy only.
Here are some examples of how
Can I File a Disability Claim for Pregnancy? Part I
Can you file a successful disability insurance claim if you are not able to work due to pregnancy? The answer is, it depends on the provisions of your specific policy.
In general, under most policies, coverage is not provided for
Do I Have the Own Occupation Coverage I Think I Do? Part II
Our last post compared two policies with different “own occupation” riders. In this post, we are going to look at the NML “medical own occupation” rider in more detail, to further highlight how complicated “total disability” determinations can be under
Attorneys Edward O. Comitz and Derek R. Funk Recognized by Super Lawyers for 2025
Attorney Ed Comitz has been named a Southwest Super Lawyer for 2025 for the fourteenth consecutive year for excellence in the field of insurance coverage. Attorney Derek Funk has also been recognized as a Rising Star in the field of
Do I Have the Own Occupation Coverage I Think I Do? Part I
We’ve talked before about the importance of professionals choosing true own occupation policies that allow policyholders to be totally disabled and collect full benefits—even if they are working in another occupation.
That being said, if you are going to pay