Practice Area: 
Individual Disability Insurance

Individual disability insurance provides financial protection to individuals if they become unable to work due to a disability or illness.  This insurance pays you a portion of your regular income. It can be a percentage of your salary or a predetermined amount agreed upon when purchasing the policy.

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Benefits from an individual disability insurance policy are typically paid out for a specified period, which could be a few years, until retirement age, or for life, depending on the policy terms.

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There are two main types of disability coverage: total disability and partial disability. Total disability is usually defined as the inability to perform the duties of your own occupation, while partial disability usually means you can work but not at the same capacity as before.

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Individual disability insurance is governed by the strict terms of the insurance policy and applicable state law.  We have years of experience reading and interpreting these confusing insurance policies.  

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Fighting a big disability insurance company that denied your claim is challenging. These massive companies have legal departments, teams of medical experts, and outside law firms who do everything they can to deny your claim, but you don’t have to do this alone.