What Do Prudential, Cigna and Aetna Disability Insurance Companies Have in Common?

Group disability insurance companies like Prudential Life Insurance Company, Cigna and Aetna operate in a similar fashion when approving or denying disability claims.  First, they are large organizations with hundreds of employees.  They follow a similar disability claim administration strategy.  They question your motives to make a claim, challenge your reports of limitations, attack your […]

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Managing Your Individual Disability Mental Health Claim

Private disability policies generally provide extended coverage for those who suffer from mental health claims, and some even provide for lifetime benefits.  This is a greater benefit than what most people receive who are insured under group disability contracts supplied by their employers.  In those policies, there is often a maximum monthly payout of 24 […]

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What is the Medical Information Bureau?

The Medical Information Bureau (MIB) is a membership-only database subscribed to by life and disability insurance companies that maintain your personal health information as found on a life insurance or health insurance application when you applied for coverage. Every time you apply for insurance that requires your medical history, that information is filed with the […]

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