Watch Your First Step

If disability income and long term care insurance claimants thought their carriers were giving them a hard time before, with the economy in turmoil, "they ain't seen nothin' yet!"

With insurance companies worrying more and more about their bottom lines, the first place they will likely look to save money is by cutting down on claim payments. That's why it is imperative for those who have a claim to present it properly right from the get-go.

If you believe you have a claim get experienced legal help to present it properly right at the start. Most insurers love it when an inexperienced policyholder gets a complex DI or LTC claim off on the wrong foot.

A single mistake is all it takes to deep-six such a claim forever.