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Index of Frequently Asked Questions (FAQs)

General FAQs About Our Firm and Our Fees

Short-Term and Long-Term Disability Insurance Claims & Lawsuits

• What questions should I ask before hiring an attorney to take my disability case?
• My lawyer says I should just settle my claim, but the amount is not what I think I am entitled to.  Can I get more money if my case goes to trial?
• My disability insurance policy was canceled when I filed a claim.  I paid my premiums; can my insurance company cancel my policy because I filed a disability claim?
• My long-term disability claim was denied even though my doctor says I am disabled.  Isn’t that enough to qualify me for disability benefits?

General Information About Disability Insurance

• What is disability insurance?
• My child is disabled.  Where can I get disability benefits for my child?
• My doctor says I am disabled.  Is that enough to qualify me for disability benefits?
• I receive disability payments from my job or another agency. Can I automatically get Social Security disability benefits?
• What is the difference between short-term disability and long-term disability insurance?

About Purchasing Disability Insurance Coverage

• What type of disability insurance coverage should I buy?
• Where can I purchase disability insurance?
• How much disability insurance do I need to buy?
• What type of long-term disability insurance should I buy?
• What types of short-term disability insurance can I buy?
• What policy features should look for when purchasing a disability insurance policy?
• What factors affect disability insurance premiums? Is there a way to save on insurance premiums?

Employee Disability Insurance

• Does my employer have to offer a disability insurance plan?
• If an employer offers disability insurance coverage, is it necessary to purchase a supplemental policy?

Taxes and Disability Insurance Benefits

• Do I have to pay taxes on short- or long-term disability income?
• Three-Year Look Back and Limitations on Taxable Disability Income