If you have a disability claim, you're already at a disadvantage attempting to decipher 90% of the material you're now required to read, comprehend, and answer to. A glossary is required to make sense of the provisions of your long-term disability policy. This list of definitions of disability insurance terms will assist you. A Active Full-Time Employee – A full-time employee who works a regular workweek for a company is known as an active full-time employee. Active Work Requirement – To be eligible for disability benefits, you must be working at least the minimum number of hours per week as described in your...[ Read More ]

You may hear a lot of contradictory opinions as to whether you need a lawyer as you prepare to file a disability insurance claim. While you may be tempted to put off engaging an attorney, it is usually to your best advantage to speak with one before filing a disability claim, rather than afterward. You can make or break your disability claim based on your administrative record. The Employee Retirement Income Security Act of 1974 (ERISA), governs your claim if you file for employer-sponsored disability benefits. You have a limited amount of time under ERISA to submit supporting evidence for your...[ Read More ]

Though we have discovered so much about COVID-19, including how it spreads, how to combat it, and who is most at risk, we are only now beginning to comprehend the virus’s long-term effects on our bodies. Roughly 30% of coronavirus patients suffer from long-term COVID or post-COVID symptoms. If this is you, you may be eligible for long-term disability insurance benefits. COVID-19 has the potential to cause permanent damage and disability Most people with COVID-19 begin to feel better within a few weeks, but this life-threatening virus has a profound influence on the human body that we are only now...[ Read More ]

Filing your disability claim can be both a daunting and overwhelming process and once you have submitted your long-term disability claim application, waiting for disability approval or denial may seem like it takes forever. Fortunately Cunnane Law in Edmonds WA may be able to assist you. Here are some things that you can do to help speed up the approval process. Be Proactive When Supplying All Your Medical Records Because you are disabled due to injury or illness, the insurance company want to review your medical records. The more issues you have, the more records they will want to look...[ Read More ]

When filing a long-term disability claim with your insurance, you’re probably wondering how soon you’ll begin to receive your benefits. Unfortunately, there is no clear-cut answer as several factors must be considered. Generally the initial decision about your claim can take between 45 to 105 days. Here are some factors that can influence how long it will take and what you can do to speed up the claim approval process. Policy Elimination Period Firstly, the majority of disability insurance policies have an elimination period. This is the period from when you first became ill or injured until you start to...[ Read More ]

If your insurance company has denied your long-term disability claim, you should immediately hire a long-term disability lawyer. With their powerful legal team and endless resources, your insurance company will try and intimidate you into dropping your claim. This is a battle you should not even attempt to handle on your own. It is important that you choose the right disability lawyer for your case because it could impact the course of your future. Because it is such a vital decision you might find it somewhat overwhelming, especially when you already have so much to deal with. Here are some...[ Read More ]

Being involved in a car crash in Washington State is an unexpected stressful experience. However, many drivers make several key mistakes after being involved in a car accident. You should really avoid these top mistakes. 1. Admitting Fault Whether you caused the accident or not, never say anything that could be taken as admitting fault. In other words, if you were not at fault or if you’re uncertain who was at fault, don’t apologize to the other driver. When speaking to insurance providers you need to be very careful with what you say. You may invalidate any claims made later...[ Read More ]

Whenever you get behind the wheel of a vehicle in Edmonds you have plenty to worry about, particularly distracted drivers, drowsy drivers, and drunk drivers. We all know that these dangers have been around ever since the invention of the motor vehicle, but drunk driving in particular has become a serious problem in America. Too Many Drunk Driving Crashes The National Highway Traffic Safety Administration, states that every day in America approximately 28 people are killed in a drunk driver accident, which equates to one death every 52 minutes. Undeniably shocking statistics, but there is some evidence in the NHTSA...[ Read More ]

One of the most difficult things a person can endure is the loss of a loved one. When it happens suddenly and is someone else’s fault, that loss is especially difficult to accept. Nothing can ever take the place of your loved one but winning a wrongful death claim can provide a sense of justice being served and also ease the financial struggles the family are going through. For wrongful death claims, the cause of the accident and how the accident brought about the family member’s death generally require extensive investigation. This is why the family members should contact an...[ Read More ]

When someone you love has been killed in a car crash due to another person’s negligence, the responsible person should be held accountable. In Washington a wrongful death lawsuit gives certain family members a cause of action to seek compensation for their loss and hold the person who caused the accident accountable. Revised Code of Washington (RCW) 4.20.010. Accident Types that Result in Wrongful Death Lawsuits In Washington any accident that causes a fatal injury can lead to a wrongful death lawsuit. Accidents such as: Car, truck and motorcycle accidents Pedestrian accidents Bike accidents Drowning Electrical shock Workplace accidents Who...[ Read More ]