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Jun 20, 2023

This week on the No Unfinished Business Podcast, we delve into the intricacies of disability insurance denials and how professional advisors can guide their clients towards making informed decisions.

We welcome Marc Whitehead, an experienced attorney with a robust practice dedicated to handling disability denials. Marc takes us through the labyrinth of disability insurance, explaining the three types of long-term insurance everyone should consider – long-term disability insurance, individual disability insurance, and long-term care insurance. He sheds light on the crucial differences between these policies, the common misconceptions about coverage, and how insurance companies may resist payouts.

Marc breaks down how to navigate around the blind spots and pitfalls that come with disability claims. He reveals the sneakier aspects of these policies, such as limitations for specific conditions, shifting definitions of disability after a two-year period, and the tricky pre-existing condition clauses. He underscores the importance of timing in planning a claim, advising how to set clients' claims up for success as early as possible.

Beyond insurance specifics, Marc advocates for clients to invest in their medical support network – lining up quality medical professionals and documenting conditions accurately and thoroughly. He explains why choosing doctors who are willing to provide strong evidence to support disability claims is a game-changer.

As we reach the end of the discussion, Marc provides listeners with several key questions to ask their clients to better assess their health and potential disability needs. 

Whether you're an advisor, attorney, or someone looking to learn more about disability insurance, this episode is packed with actionable advice and critical insights that will help you manage the future with a clear, informed perspective. 


We hope you'll join us each week, so hit that follow button, and if you have any questions, feedback, or ideas for topics, please reach out via social or email. We'd love to hear from you.

Contact John at or via social. Visit for more info about how John works with advisors like you.