If you're facing the prospect of being unable to perform your job, you're facing a life-altering proposition. Fortunately, long-term disability (LTD) insurance was created for these circumstances.
Here are some of the details you must pay attention to when you file an LTD claim.
Any Job vs. Current Job?
Not all LTD insurance plans are written with the same language. One tiny phrase change can spell a completely different outcome for your LTD claim.
The medical industry is a very trusted institution. Many people look to doctors and nurses with great esteem, believing that these professionals have the skill and experience necessary to keep their patients in the best of health. Because medical care workers are held in such high regard, it can be very devastating to think that one of these individuals would ever do something to bring harm to their client. Nevertheless, it does happen, and at an alarming rate.