Lyme disease can cause painful arthritis.

FAQs About Lyme Disease As A Disability

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A diagnosis of having Lyme disease is not necessarily automatically covered itself, however, it may be considered a disability if complications or other conditions caused by Lyme disease prevent you from working, or, in the case of own-occupation disability insurance, prevent you from performing the main functions of your profession. Lyme affects people in different ways, for some, full recovery is quick and complete, for others, treatment and resolution of symptoms may take longer. For others, Lyme can cause debilitating symptoms and conditions that may qualify the individual for disability benefits.

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FAQS About Insurance Law

What is the “Three-Year Look Back” rule and how does it apply to disability insurance benefits?

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The Internal Revenue Services allows tax filers a three year “look back” period on both short-term and long-term disability benefits. This means that after you have paid disability insurance premiums with after tax dollars for three consecutive years, disability benefits received after three years will be entirely tax free.

There are exceptions to the three-year look back period. For example, if become disabled before the three years expires, your benefits will be taxable in the same proportion as the premiums paid.

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Insurance Agent Fraud Attorneys

Insurance Agent, Broker Fraud And Misrepresentation

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Homeowners in California may find they did not have the fire or earthquake insurance coverage until a natural disaster occurs. Workers may purchase long-term disability insurance coverage only to discover when they need benefits, there was some exclusion to coverage. And in other cases, some brokers and agents sell polices that are completely fake and have no value at all.

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FAQS About Insurance Law

I bought my own disability insurance and deducted premiums from my taxes. Do I have to pay taxes on my disability benefits now?

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In general, if you purchase your own disability insurance and do not write off the cost of premiums on your tax return, then any benefits you receive from the insurance proceeds are not taxable income. However, if you have not paid disability insurance premiums for at least three consecutive tax years, in most cases, your benefits will be considered taxable income.

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FAQS About Insurance Law

Are benefits from short-term and long-term disability payments taxable income?

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Please consult with a tax professional for tax advice for your specific situation; however, in general, whether or not you will be required to pay taxes on disability income depends on:

  • Your total income; if you file a joint return with a spouse, your total combined income; and
  • Whether you, or your employer took a tax deduction for the payment of disability insurance premiums.

Whether or not you can deduct the cost of premiums for insurance depends on several things. If your employer paid the premiums on your behalf, the employer may deduct the cost of premiums offered as an employee benefit. If you paid the premiums yourself, you may be able to deduct some or all of the cost of premiums for either short-term or long-term disability insurance coverage.

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Shoulder Dystocia Birth Injury Medical Malpractice Lawyers

FAQS About Shoulder Dystocia And Birth Injury Medical Malpractice

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What is shoulder dystocia? What are the risk factors for delivering a baby with shoulder dystocia? Also, answers to questions about complications the baby and mother can suffer, as well as if all cases of shoulder dystocia complications are birth injuries brought on my medical malpractice or negligence.

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California Insurance Bad Faith Decisions

What is the Insurance Unfair Practices Act?

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If your claim was unreasonably denied or denied without proper consideration, it might be possible to recover monetary compensation through a bad faith lawsuit. The California Insurance Code specifies a number of actions that might violate the implied covenant of good faith and fair dealing. Do not give up — schedule a free consultation with one of our lawyers and discuss your case.

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personal injury claim form

Do I have a claim?

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If you are like most people, you probably have health insurance, as well as disability insurance, and life insurance. You may also have auto insurance and homeowners insurance. One thing is true about all of your insurance policies: You did not buy them with the hopes of using them, but to protect and your family against the financial burdens that can be brought on by accidents, injury, illness, and death.

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Punitive Damages

What are punitive damages?

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Punitive damages serve the function of punishing a person or entity for outrageous behavior or egregious conduct. Under California law, it must be shown that a party has acted with malice, oppression or fraud in order to claim punitive damages. It is not uncommon for individuals to seek punitive damages against their insurance company following a denial or mistreatment.

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