LONG TERM DISABILITY INSURANCE FRAUD

The insurance industry is creating more and more policies pertaining to long term disability insurance, as the American population ages.

Insurance agents must provide an outline of the coverage in the policy, including a description of the benefits, and any limitations or excludions, terms under which the policy may be returned, the relationship of the cost of care and related benefits, and the terms under which the policy may be continued.

Insurers are also under the obligation to use suitability standards to determine whether nor not the policy is appropriate for the purchaser. This includes the applican't ability to pay for the coverage, the applicant's goals in regards to long term disability care, and examining existing insurance to compare the value, benefits and costs to the proposed coverage.

All insurers owe a policyholder a "duty of honesty and good faith" when selling a long term disability care insurance policy. If you feel your long term disability care policy has not been adequately represented to you, of if you have been denied long-term disability care benefits, you may wish to present your claim to an insurance lawyer.

LONG TERM DISABILITY INSURANCE FRAUD NEWS

Prudential Insurance Company of America settes allegations of deceptive and anti-competitive practices in the sale of group insurance products, including long term disability insurance. (Dec-13-06) ALL AMERICAN PATRIOTS: LONG TERM DISABILITY INSURANCE

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