Recently our firm has seen a significant upsurge in disability insurance companies including Hartford, Cigna, Aetna and Unum suddenly denying long term disability claims that have been paid for many years. It is the burden of the disabled claimant to remain under medical care for their disabling condition and to periodically provide updates to the…
Continue reading ›Disability related to Coronavirus; #Coronavirus and disability.
Continue reading ›The Department of Labor Employee Benefit Security Administration just established by Federal Regulation an extension of certain timeframes under ERISA for group health plans, disability and other welfare plans during the COVID-19 National Emergency. On March 13, 2020, the government declared a National Emergency Concerning COVID-19 in effect as of March 1, 2020. As a…
Continue reading ›Disability insurance companies must consider the global demands of working full time when considering claims
Continue reading ›Long Term Disability Claims- Insurers Attempt to Limit Claims By Ignoring the Claimant’s Actual Job Duties of Their Occupation
Continue reading ›We regularly file appeals of disability insurance denials of long term disability claims. Our clients are bound by ERISA regulations which require that all appeals must be filed within 180 days of the insurance company denial. We meet with our clients as early as possible following their receipt of the denial, to strategize what evidence…
Continue reading ›This is the first in a series of articles designed to showcase various topics related to disability claims that are particularly relevant to medical professionals. When a client seeks our assistance regarding their need to file a disability claim under an insurance policy, we first determine when they became disabled. If the disabling medical condition…
Continue reading ›Many individuals with chronic permanent medical conditions reach a level of treatment that is palliative, that will not improve their symptoms or effect their prognosis. Continuing to visit a medical provider to monitor your condition that does not provide any medical benefit may seem pointless, and can use up valuable time and money resources. The…
Continue reading ›Disability policies contain a provision explaining that coverage will not be extended for a claim based on a “legal disability.” Legal disability relates to the individual’s eligibility to work due to necessary licensing, such a financial advisor (Series 7 license), lawyer (bar license) and physician (medical license). What happens when a disability caused by a…
Continue reading ›For those of us handling long term disability claims for people suffering from chronic back conditions, a clause in the MetLife LTD policies has caused us much tsuris (Yiddish word, “worry”). Their policies contain a limitation for “neuromuscular disorders” providing coverage for only two years for disorders of the spine unless one of six exceptions…
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