Long Term Disability
An unexpected long term disability can be very hard to deal with. It can leave you confused and frustrated, especially if it is something that directly affects simple tasks in day to day life and/or forces you to adapt to a brand new way of living.
Disability insurance is supposed to be there to protect you when you are ill or hurt. The wrongful denial of a claim can have horrible consequences for you and your family as you face the reality of not receiving income into the home. Disability insurance policies are complicated. There are strict timelines and you are required to provide substantial proof of your disability.