If you are considering purchasing long term disability insurance, or have been offered a quote and are reviewing a contract, chances are there are a number of terms that are foreign to you. This is not a coincidence. Insurance contracts are notoriously confusing. Why is this? As we have noted in a number of our posts, the fewer payments an insurer has to pay out to claimants the more money they make.
If you are in the midst of seeking long term disability benefits, or are being questioned about your eligibility for such benefits, chances are that you will be asked to be examined by an independent medical examiner.