In 49 states, long-term disability benefit claims for physical ailments – like cancer, arthritis and stroke – are assessed differently than mental health issues such as major depressive disorder, ...

In a split decision, the Tenth Circuit Court of Appeals recently affirmed summary judgment in PHT Holding I LLC v. Security Life of Denver Insurance Co., rejecting the plaintiff’s claim that the ...

If you receive a denial letter from your insurer, your best course of action is to seek legal advice, says a leading ...

Learn how elimination periods impact insurance costs and benefits. Discover tips for choosing the right waiting period for your financial situation and coverage needs.