The disability company offered me a lump sum payout. How can I tell if it is a good deal?
A disability insurance company only offers a lump-sum payout when they think this will enable them to pay you less. Very often, a disability insurance company will make it difficult for you to collect benefits, then turn around and offer you a lump sum payout. In such situations you should have a lawyer review the proposal and the other options available to you that the disability insurance company may not be telling you about.