Personal Injury Care Line

You will most likely need to deal with one or more adjusters who will determine the insurance salvage. Follow these simple tips to make sure you have taken all the necessary steps to collect the correct information and follow the correct procedure.

Do your self a favor and prepare in advance. Know the laws and the reporting requirements of the state you live in and drive in. Always carry an accident package in your car. It should contain paper, pen, and accident reporting form which are available online free from the DMV.

If an accident occurs remain calm and stop your car. If there are injuries do what you can to make the person or persons comfortable. Call the EMT to treat any injured parties and call the police.

If you smell gas or if the car is on fire clear all persons away from the area. Do not move seriously injured people unless it is a threat to their lives to leave them where they are.

If the accident is minor and there is only property damage and no injuries, put your hazard lights on and drive both vehicles to a safe location at the side of the road. Set up flare or reflective triangles in the rear and side of the cars to ensure other motorists are aware of your location.

Both drivers need exchange car insurance information. You also need to exchange the names of the drivers, all passengers in the vehicle, and any witnesses. As well as names you should obtain complete addresses and telephone numbers.

Next you will need to contact your insurance company and if you feel you need to contact a lawyer now is the time to do so.

Your car insurance company will need to collect all pertinent information. They will need the year, make, model, and license plate number of the other car. They will also need the drivers name, address, telephone number, date of birth, and his or her drivers license number as well as the issuing state.

If the other drive is not insured obtain as much information as you can then notify the police. Both the police and the insurance company will want the full names, addresses, and phone numbers of all witnesses.

If the police attend the accident scene request a business card from the attending officer that gives his full name and how you might reach him.

If you have a digital camera handy take plenty of photos. These days many people have a digital camera built right into their cell phone which is very convenient.

As soon as you are able, write down all details pertaining to the accident. Information such as weather conditions, pavement conditions, visibility and lightening could all become very important in determining who was at fault.

You also need to record the estimated speed of both vehicles. As well do a sketch of the accident scene marking the direction each driver was traveling. Make notes of things such as stop signs, traffic lights, other vehicles on the roadway, and any obstacles.

You should also record all damage to the car and any other property as well as all body injuries no matter how minor they appear.

Whatever you do, do not discuss who is at fault with the other driver. Insurance companies recommend you do not engage in conversation about fault. Give the police officer an account of the accident but in privacy away from the other driver.

Remember no one can force you to give details of the accident or admit blame. You always have the right to consult a lawyer before answering any questions.

Lets hope you never have to file an insurance claim. But if you are well prepared should an accident occur you will be much more likely to record the necessary information to ensure that your claim proceeds smoothly.

If you have recently suffered a workplace industrial injury then there is a chance that the accident just put your career on the line. Yet less than 1 in 10 people injured in an industrial accident in the UK will claim for compensation from their employers or the state.

So, is it the case in Britain that we don’t like to sue our employers or the state for compensation following a workplace injury, or is it that we are simply not aware of what our rights are?

Employers’ Duty

Although there are protections in place for employees for many years such as employers should comply with a general duty towards the level of health and safety standards in a workplace. It was only following Britain’s entry into the European Union that these laws became more than a toothless tiger and started to bite back.

Today, employers have a duty to ensure that your overall safety in the workplace is free from the risk of an accident injury by ensuring:

- that they employ competent co-workers to work with you;
- that they provide you with adequate materials;
- that the equipment you use complies with safety requirements;
- that you are provided with protective clothing (if needed); and
- that proper training and adequate supervision be provided to minimise the risk of any workplace injury.

Industrial Accident Claim

Such is the scope of the UK and EU law, it protects employees from an industrial accident. If you do need to make an industrial injury claim you will probably be fighting under one of these legislations:

- The Management of Health and Safety at Work Regulations (1992): which imposes a requirement that employers make an assessment of any foreseeable risk of exposure to a workplace injury and if such a risk exists to take action to prevent such;

- The Workplace (Health, Safety and Welfare) Regulations (1992): which imposes a duty on employers to ensure the safety of their employees with respect to the maintenance of the workplace, its ventilation, temperature, lighting, etc.;

- The Manual Handling Operations Regulations (1992): which imposes a requirement that, in as much as it is possible, employers should avoid employees needing to undertake manual handling operations at work that involve an element of risk;

- The Personal Protective Equipment at Work Regulations (1992): which requires employers to provide employees with adequate protective clothing if they are exposed to any risk (such as protective glasses); and

- The Provision and Use of Work Equipment Regulations (1998): under which employers are required to ensure that equipment used by their employees is fit for the purpose.

Industrial Injury Solicitor

Having said that there are adequate provisions in place to protect employees in the case of any workplace injury. Unfortunately lots of employers in the UK are either unaware of their duty of care or simply refuse to comply with it.

In such circumstances, while there will almost certainly be a case for industrial injury compensation, to ensure that your rights as an employee are adequately being protected and that you receive fair and impartial advice on what your rights are under the relevant laws. You should seek the advice of an industrial injury solicitor following an industrial accident.

Even in circumstances where you are on good terms with your employer, if you want to make sure that your industrial injury claim will compensate you to the maximum you are allowed under the law, you should ask an industrial injury lawyer for his advice and assistance in handling your case.

Keep in mind that the solicitor will have your best interests at heart, whereas your employer will have the company’s best interests at heart.

Ensure To Pursue With An Accident Claim

Finally, if you are in an unfortunate position to be recovering from a work injury and are considering your options as to whether or not to bring a claim against your employer, remember that you owe your employer nothing, whereas your employer owed you a duty to ensure you don’t get injured at work!

What’s more, if you don’t make a claim for industrial injury compensation, do you really believe that 5 years down the road from now your employer is going to remember who you are as you struggle by on benefits?

I always thought if I worked hard, I’d be employable. Back when I was twenty, it never occurred to me that by age 47 the world would consider me washed up. But it did. The work-a-holic hours and the “valuable” experience didn’t ensure me a place in the workforce. Unemployed for six months, I finally decided to just give myself the lofty title “Internet Mogul.” At this point, that’s a complete fantasy; I’m not even remotely qualified to call myself that, but it sure sounds nice. Much better than “workplace-reject-beggar.” Besides, I have faith in myself even if no one else seems to.

So I cleaned the softball-sized dust bunny from my computer and typed “how to make money on the Internet” into Google. Holy Crap. A mountain of information was now at my fingertips. Too bad most of it wasn’t worth the electricity it sucked up.

But a Mogul (with a capital M!) doesn’t give up. So I plodded through, sorting the scams from the hype from the just plain crazy. Somehow or another, I have to make this work. The dog’s hungry…and so am I.

The definition of “being hungry” changes with age.

We’re born, and it means, “give me milk so I can survive.”

We reach adolescence and it means, “bring me a hot dogand lots of friends, status, dates, cool clothes, a hot car”

We enter the job market and being hungry translates into, “bring me challenges and riches, excitement way beyond the need for mere nourishment. Challenge my creative spirit, reward me with expensive toys, giving me tangible proof so I can flaunt my talents on the world stage.”

Geez, it’s embarrassing to admit, but after my “distinguished” career, (translation: twenty-five years as a cog in the wage-slave wheel) the phrase reverts back to just the basics. I’m hungry to fill the cupboard with food so I can survive. I’m not worried about satisfying a creative drive and I don’t require riches, just enough to keep a sturdy roof over my head. The same basic needs my dog has. Luckily for her, she’s clueless that the piece of lunch meat I’m sharing is getting harder and harder to replenish.

It’s now been nearly a year without a paycheck.

Survival in the economic world. Remember the TV commercial for the large financial institution that praised the American spirit by claiming, “most people want to succeed, not just survive.” True, true. But how exactly do you define success? Unfortunately, reality forces many hardworking people into being grateful for mere survival and realizing that to survive IS to succeed.

Pet Insurance & Public Liability Are You Safe From A Personal Injury Compensation Claim?

Are you one of the million of Britons famous the world over for being a pet owner and lover? If so, do you have pet insurance? If not, you may well want to read on if you want to save yourself millions of pounds.

Lets look at two, not uncommon, scenarios that may happen to a pet owner in the UK:

Scenario 1:

You own a dog. The dog is out in the garden. The post comes to the house to deliver a letter. In the course of delivering the letter your dog bites the postman.

Scenario 2:

You own a horse. The horse is grazing in the field. The horse is startled, jumps the hedge and crashes into an oncoming car.

Do you know what would happen in both of these scenarios? Well, if you dont already know, as you may recall from the recent famous case involving Princess Anne, in Scenario 1 you could be liable to pay damages under the Dangerous Dogs Act. Less well known, in Scenario 2 you could be liable to pay damages under a recent House of Lords interpretation to the Animal Act 1971. Either way, youre paying.

How can you limit the liability youll suffer if either of these unfortunate events where to occur? Without some form of pet insurance policy you could not. As such, if you have a pet and want to save yourself from the prospect of having to pay out a potentially large amount of money in compensation damages to a third party now is the time that you should be considering getting pet insurance.

Although pet insurance is unlikely to cover you for the full costs you that you may need to pay to both defend your self against a claim and also pay compensation if you lose, as there is likely to be a minimum excess payment and maximum cap payment, for a reasonable annual premium payment you can arrange to have cover that would pay a large portion of this amount.

At the end of the day, however, having pet insurance is like having any other type if insurance. Would you go out n the roads and drive your car without insuring yourself against an accident? Would you leave all your valuables at home without having any home contents insurance? Do you want to take the chance that you could be used for million in personal injury compensation without having paid a minimal amount in pet insurance?

No Win No Fee Claim Solicitor – Benefits Of Appointing One?

If you were not already aware of it, the world of personal injury is awash with a new buzz-phrase: the no win no fee claim. However, what is no win no fee and more importantly, what are the benefits of appointing a no win no fee claim solicitor?

Origins

With the spiralling costs of Legal Aid swamping the UK treasury, the UK Government decided that the time has come to introduce a new method by which compensation solicitors could be paid for personal injury claims, thereby reducing the burden on them. The alternative agreed upon and put into operation in 1998, the no win no fee claim.

What Does It Mean?

Basically, a no win no fee compensation claim is available to anyone who believes they have grounds to make a personal injury claim for compensation. Under this conditional fee arrangement, an accident solicitor representing you in a personal injury claim is only entitled to be paid his fees if he actually wins the case.

Why Would A Compensation Solicitor Agree To Such An Arrangement?

Under the law, if you win your personal injury compensation claim, your compensation solicitor is entitled to claim his fees and expenses from your opponent. As a result, if your solicitor believes your case has merit, he’ll be willing to work for you for free, safe in the knowledge that he’ll be paid for his work by your opponent once he wins the case.

Is There Anything I Need To Be Aware Of?

Yes; sometimes a no win no fee solicitor will try to make you agree to pay his fees on the grounds that you can be reimbursed by your opponent once you win the case. However, you should keep in mind that the courts will only reimburse you for the reasonable fee costs of your solicitor so if you agree to such an arrangement there is a chance that you will not be getting 100% compensation you are rightfully entitled to.

Also, you need to keep in mind that if you lose your personal injury claim, although you will not be responsible for your own solicitor’s fees, you may be held accountable for fees off your opponent and even, possibly, the court’s fees. So, if you are going to use the services of a no win no fee compensation solicitor you should make sure that you ask him who’ll pay if you do happen to lose the case.

In this regard, a good accident solicitor will tell you that they have taken out insurance to cover this scenario. If, however, your solicitor has not taken out insurance, you should urge him to do so as solicitors’ and court fees are expensive and can easily be covered with a minimal premium paid to an insurance company.

What Are The Benefits Of Appointing A No Win No Fee Claim Solicitor?

Beside the obvious benefit of not having to pay for your solicitor’s services whether you win or lose – the biggest benefit of appointing a no win no fee solicitor is the fact that you’ll receive 100% of the personal injury compensation you are entitled to.

In other words, none of the compensation you’ll be paid from your no win no fee accident claim, will be eaten up in solicitors’ fees and costs. In turn this means that the compensation you are paid can be put to good use that it was intended for compensating you for the personal injury YOU suffered.

In addition to the above, because no win no fee solicitors are only paid on the basis that they win the personal injury case they are working on, they tend to be very good at what they do and are experts in personal injury law.

As a result, they’ll most probably be able to give you the best advice on whether or not your personal injury compensation claim has a chance of winning.

Injury Compensation – How To Get Back What You Lost?

An injury compensation claim is a common procedure for those who have been unfortunate to suffer the consequences of a personal injury and know only too well the life-altering effects it can have. Things that used to be simple tasks are now major obstacles, the simple pleasures of life seem to be slipping away and everyday is a struggle just to get through.

Work is no longer an option, along with all the activities you use to enjoy. If this sounds like the situation you or a loved one is currently in, then considering an injury compensation claim can make all the difference in the world.

You’re Not Alone In The Struggle

Every year, thousands of people struggle to cope with serious personal injury, with many of them not realising the compensation they deserve.

Once injured, many people tend to hide away and refuse to acknowledge the damage that has been inflicted on their body. Not coming to terms with an accident injury is one of the most dangerous things a person can do. It can lead to increased mental stress that can have a big impact on family and friends, and possibly slow down the recovery and rehabilitation process.

It also prevents the injured party from receiving the deserved compensation to help with the financial difficulties that often strike in these difficult times.

Get The Help You Deserve

You wouldn’t skimp on rehabilitation if it was a family member or another loved one who was injured, then why deny yourself the necessary treatment. Financial troubles are the last thing anyone needs when trying to recover from a serious injury.

A successful accident claim will give you the financial freedom you need to get back onto your feet and fully recover. A caring and trustworthy solicitor will be your best offence and defense in getting that help.

I’m Ready For Help! Now What?

The decision to claim compensation can be your turning point. It is not a decision that many people make lightly; they realise that any possible court proceedings can be frustrating, and that choosing the right accident solicitor who understands their personal needs can be just as frustrating.

The right compensation solicitor will be the one who is truly interested and concerned with helping you and not just collecting his/her fees. Together with the right solicitor, you can get the compensation you deserve and help get things back on track.

Life After Your Compensation

With your successful injury compensation claim, it can feel like 100 pounds has been taken off your back. No longer stressed out about how to make ends meet. You can now concentrate on rehabilitation and returning to the activities you loved before the accident.

The psychological benefits from your injury compensation can be the greatest reward of all. The negative feelings and self-pity quickly dissolve, allowing you to concentrate on your life and allowing you to once again open up to your family and friends.

If you have been a recent victim of a crime, then there is a very good chance that you’ll be entitled to make a criminal injury compensation claim under the Criminal Injuries Compensation Scheme.

CICA Criminal Injuries Compensation Authority

Great Britain has in place the oldest compensation scheme for people who suffer criminal injuries as victims of crimes, with the first version having been introduced in 1964. Based along the lines of personal injury compensation claims, the CICA compensates victims of violent crime who have suffered any:

injury, whether that be physical or mental, as a result of being the victim of a violent crime

possible loss of earnings that the victim may endure as a result of such criminal injury

bereavement suffered as a result of a loved one having died as the victim of a violent crime.

Since 1996 the CICA has adopted a fixed tariff criminal injury compensation scheme as set out by parliament in the Criminal Injuries Compensation Act 1995 for those who are entitled to make a criminal injury claim.

Making A Compensation Claim

If you plan to make a claim to the CICA for criminal injury compensation, then you’ll need to show that you have suffered either physical or mental harm as a result of having been the victim of the violent crime in question.

Note that you need to show that a crime took place, you do not need to show that a conviction resulted from the crime you are claiming took place.

If you have grounds to believe that you have a criminal injury claim, you can obtain a compensation form from a personal injury solicitor, which you then need to compete and return.

The CICA then acknowledges receipt of your form and should process the claim. Keep in mind that this can be a lengthy process and can take anywhere up to 18 months after you have submitted the criminal injury compensation claim.

Also, as the scheme is for victims of violent crimes, the minimum compensation payable under the scheme is 1,000 and the maximum amount of compensation is 250,000.

Moreover, keep in mind that if you have made a claim for compensation under the scheme and are not satisfied with the initial compensation awarded for the criminal injury you suffered, you are entitled to submit a request to have a review of your criminal injury claim within 90 days of your original award being made.

If you still dont like the award after this review process has been completed, then you can appeal your criminal injury compensation claim to the Panel of the CICA within 30 days of the outcome of the appeal process. If the Panel of the CICA award still does not satisfy you, you then have the right to appeal your claim to the High Court.

Are There Any Alternatives?

If you have been the unfortunate victim of a crime, you should speak to a criminal injury solicitor as soon as you can following the event. In part this is because the criminal injury compensation scheme is only for those who are the victims of a violent crime.

On the other part, you need to make sure you do this so that you can get the advice from your criminal injury solicitor as to any alterative compensation you may want to seek.

Any alternative compensation claim you do instigate will be based on a civil action for personal injury. As a personal injury claim can be expensive, if you believe you may have a case for personal injury compensation but do not have the funds to pay a costly solicitor, you should talk with a no win no fee solicitor to see if there is any chance they will represent you in your claim.

And Finally

Finally, as well as being the oldest criminal injury compensation authority in the world, with over 80,000 cases a year paying 200 million in compensation, the CICA is also one of the highest rewarding criminal injury claim boards in the world.

How to Appeal When Your Medical Insurance Declines Your Claim

If you are like most people, when your medical insurance declines your claim, you are left feeling helpless and frustrated. After all, if you need health care and your insurance is saying you dont, you have two choices appealing your claim or paying for the treatment out of pocket.

Most claims are declined for specific reasons and causes. The most likely cause for your health plan to deny your claim is a direct consequence of missing data. Before appealing your denied claim, you can verify that by assuring any and all pre-authorization requests were filled out with accurate patient information.

For example, is your social security number correctly listed? Does the doctor have the most current copy of your health plans identification card? Does your doctor have the most up to date copy of diagnosis and procedure codes in order to fill out the forms correctly?

By verifying that you have submitted the good documentation to the physician and they in turn submitted good documentation the health plan, you are ready to move to the next level. When it comes to dealing with your health insurance company, think paranoid.

Document every phone call, every contact person and every piece of information you are given. It only takes one break down in communication to cause a problem; by documenting all of your communication with the insurance company, you are pre-preparing for any appeals case.

If you are facing an appeals claim for treatment coverage, be sure youve reviewed the appeals process in your companys health insurance handbook. Most patients overlook reading through the handbooks their insurance company will provide. Plan requirements and appeal processes are detailed in these handbooks and you should make sure that your plan covers any treatment you are going to receive before the treatment is received, if possible.

When An Appeal Is Necessary

Since every plan should have a clear appeals process, you should follow it explicitly. You should talk to your doctor about appealing the claim so they can provide supporting documentation and expertise as needed. Remember, most insurance claims must be appealed within a limited amount of time, so if you wait six weeks after a denial and you only have 60 days to appeal; you may already be out of time.

You should always appeal internally to your insurance provider before going to an external source such as a government or state appeals process. Most appeals have a process that goes as follows:

Phone Complaint
Written Complaint
Written Appeal

This is another area where you should be very specific citing the coverage rules of your plan as well as documenting each contact you have with the insurance company. While the insurance carrier will approve the majority of valid appeals; there has been documented cases of insurance fraud and health plans that do not play by the rules. By documenting response times and any required response times; a patient can exhaust their option against the insurance carrier for a valid appeal and then take it to the next level.

Laws in many states govern an appeal to a state or federal insurance oversight process; these requirements often allow for an external, expert review of the appeal. By providing accurate documentation and detailed medical support from your physical, a board of qualified experts can then judge your case on an individual basis. If an external appeal validates the claim and overturns the denial, then your insurance company will not be able to deny the claim.
Knowledge of your health plan, your doctors knowledge of procedures and a detailed review of the appeals process are your best tools to getting the approval of the treatment you need. Do not overlook the details, keep accurate documentation and review your coverage plans if you have any questions. Remember, there are always options.

Workers compensation insurance, commonly called workers or workmens comp, is a form of insurance designed to provide compensation to workers who have been injured while on the job.

While the details can vary significantly from one plan to the next, insurance plans in this category typically provide for some form of wage replacement, payment and/or reimbursement of medical costs, compensation for economic losses, possibly damages for pain and suffering, and settlements to the insureds dependents in the case of a fatal work-related accident.

Given this broad range of covered areas essentially combining the key features of disability insurance, health insurance, and life insurance, among others workers comp is certainly one of the more critical forms of insurance an individual can obtain. By knowing all you can about workers comp you can ensure that if an accident happens on the job you are covered. If you are not you could find yourself and your family in trouble down the road. We all need money to pay the rent and buy food and getting compensation for an injury at work can help you to pay for these necessities.

Workers comp insurance is typically associated historically with labor or professional unions, and is often the result of coordinated campaigns to obtain the coverage for the union members. Proponents of workers comp cite improved working conditions, economic support for employees, and the safety net provided by the insurance, as key benefits of workers comp. Critics of this type of insurance cite increased costs to employers and potential infringement on workers rights to seek recompense on their own. Another concern that is frequently raised is the possibility of American companies moving parts of their operations or even their entire companies to areas with looser workers comp law. In the United States, however, workers comp laws are nearly universal, and almost all employers must carry the insurance in some form for their employees.

The body of laws governing workers comp insurance has become extremely complex and varies from state to state. For example, in many states it is illegal to terminate an employee for filing a claim or for reporting an injury incurred at the workplace. This isnt illegal in all states, however. And while most states dont allow employers to deny employment based on previous workers comp claims, employers are able to check a commercially maintained database of claims, a system that could potentially be abused by unethical employers.

Because abuse of the system has occurred on the part of employees as well, stiff fines and other legal penalties are in place for persons who file false claims for workers compensation benefits. While stories of supposedly injured employees engaging in physically demanding activities are commonplace, little hard data exists to indicate what percentage, if any, of the claims filed every year are actually fraudulent.

Vigorous investigation by employers, including tactics such as secretly video taping claimants engaged in physical activity, have also undoubtedly helped reduce the number of false claims. Certainly the vast majority of claims filed are the result of legitimate, unavoidable work-place injuries.

If disability income insurance is the protection you need, shop around and compare policy features before making a purchase. Some professional insurance agents consider the ideal disability policy to be a form called ‘own occupation’ coverage. But the average life of a disability insurance policy is about 5 years. Even if you have long-term disability insurance through your employer, you may want to consider an individual policy as well. That’s why after recently meeting with his financial planner, he decided to supplement his employer’s disability coverage with an additional long-term disability insurance policy.

Sometimes, your employer pays for an individual disability insurance policy on you. You choose the length of your waiting period when you purchase your individual disability income insurance policy. During this process, the insurance company collects information about you and uses it to decide whether to issue you a disability policy. They are not affected by payments from any other individual disability insurance policy you have purchased. Neither long-term care nor long-term disability insurance terminates once it pays a benefit unless the maximum benefits of either policy are exhausted.

Unearned income you may receive includes private disability payments from an insurance policy or short-term and long-term disability coverage from your employer. The maximum normally allowed under a disability policy is 60-66% depending on the insurance carrier. If you’re not sure, an individual disability insurance policy can help. In summary, as the disability insurance market continues to deteriorate, every physician should perform a “policy check-up” to better understand his/her policy. Business Overhead Expense (BOE) insurance is a disability policy that reimburses the practice for specific overhead expenses if a shareholder is disabled.

Variables in coverage Insurance is always complicated and disability is no exception. Benefits are taxed, however, if your employer pays for the disability insurance coverage. Long-term disability insurance usually kicks in after short-term disability coverage ends – typically after six months. Free disability insurance quotes to help consumers find insurance coverage with the lowest rates for disability insurance. As with many other insurance plans, having disability insurance coverage usually makes more financial sense than not having it.

Although it gets less attention than life insurance, experts agree that disability coverage is at least as important. Nationally recognized attorneys representing medical, dental, business and legal professionals in disability insurance coverage disputes with carriers throughout the United States. Lack of coverage could ruin your family’s lifestyle but disability insurance will ensure a continuous income stream. One coverage I don’t have is disability insurance that will cover my loss of income in case of accident or extended illness. Most school districts do not provide disability insurance coverage for their employees. individual coverageDisability insurance may be included in your benefit plan from your employer or union. While on a disability-related leave, you may continue your insurance coverage by paying premiums directly to the Lab’s Payroll Office.

For a longer illness, lasting six months or more, your employer may provide group long-term disability income insurance. Employee Benefits Disability benefits from your employer may include workers’ compensation insurance for work-related injuries. In either case, you should find out as much as you can about the group disability insurance provided by your employer. Group disability insurance can be fully paid by your employer or may require an employee contribution. When you purchase disability insurance through your employer, you may be able to have premiums deducted from your pay on a pretax basis. Plus, one overwhelming advantage of personally owned disability insurance is that it cannot be reduced or terminated if you leave your current employer.

Your employer or association-sponsored group disability insurance plan may not be all you think it is. However, be aware that benefits paid by group disability insurance policies paid for by an employer are usually taxable. If your employer is among those who have overlooked disability insurance, you may want to suggest a reallocation of benefit dollars. You’re actually less likely to get long-term disability insurance from your employer than life insurance.

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