Present Value and Discount Rates
Attorney Ray Bourhis explains Present Valuation in the absence of COLA; discount rates on future benefits, life expectancy and other methods an insurance company may use to underpay long term disability benefits.
Learn how to purchase the protection you need, and what you need to avoid insurance company bad faith and underpayment tactics based on present value of future benefits. The long term disability insurance policy is intentionally confusing as far as future benefit calculations and requires knowledgeable assistance during the claim process. Call us! raybourhis.com