Causes of Disability Claims

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90% of disabilities are caused by illnesses. – JHA Disability Fact Book, 2008 Edition Over 85% of disabling accidents and illnesses are not work related. – National Safety Council®, Injury Facts® 2008 Ed. While many people think that disabilities are typically caused by freak accidents, the majority of long-term absences are actually due to illnesses, such as cancer and heart …

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Common Disability Insurance Myths

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People often have misperceptions about the need for disability insurance and the process for filing a claim.     Myth: “I don’t need disability insurance because I’m very careful.  In fact, I’ve never been injured before – why would I in the future?” Truth: Over 90% of disabilities are caused by illnesses (such as cancer and heart disease) – not accidents. …

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The 2011 Council for Disability Awareness Long-Term Disability Claims Review

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Since 2005, the Council for Disability Awareness (CDA) has conducted a proprietary annual review of long-term disability claims among the U.S. working population. The 2011 CDA Long-Term Disability Claims Review summarizes quantitative and qualitative long-term disability insurance claims data from 2010 gathered from the annual CDA member Long-Term Disability Claims Survey. The report identifies continuing or emerging trends for the …

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Filing a Disability Insurance Claim

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A lot of thought and effort is put into the individual disability insurance shopping process.  First you request a quote, analyze the options, go through the medical and financial underwriting process and finally getting the policy issued to your satisfaction.  It is also important to consider the claims process when shopping for disability insurance. Here are a couple of common …

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