Category: Insurance Issues News

Increase in Group LTD Policy Rates Inevitable Most employer paid group long term disability plans guarantee the rate for a period of time. After that guaranteed period, they are free to raise the rate to the employer as needed. In …

The Employee Retirement Income Security Act (ERISA) is a law that was passed in 1974 to protect employees when filing claims with group health plans or plans providing disability benefits. How Does ERISA Help Claimants? ERISA makes the process of …

You selected private disability insurance and have not thought much about it since…until disability struck. Many folks wrongly assume that disability insurance coverage stay constant. The truth is many disability insurance coverages as well as premiums can change over time. …

Oregon requires non- commercial motorists to purchase certain level of auto insurance. See, ORS 806.10. Under that statute, Oregon drivers must purchase: Bodily injury and property damage liability $25,000 per person; $50,000 per crash for bodily injury to others; and …

In October 2010 Allstate Insurance agreed to pay a $10M settlement for improper use of a claim software known as “Colossus”. Colossus is is used by insurers to help analyze auto accident bodily injury claims. The Allstate settlement follows an …

“If the other guy was at fault in the accident, why should my insurance company pay for my medical bills and wage loss?” Good question! In Oregon as in many other states, a decision was made to provide medical insurance …

Once upon a time there was a long term disability claims examiner, “Charlie”. Charlie loved his job. Unlike many long term disability employers, “The Chevron” insurance enjoyed a good reputation sponsoring charitable events in the community.  For years Charlie worked …

It’s not fair!! When it comes to claims, what happened in an accident matters less than what is documented… Insurers are more accepting of injury claims which are well documented in medical chart notes. Why? Because real time documentation is …