Disability Insurance Law Blog
Why Long-Term Care Claims Become More Vulnerable After a Move to Assisted Living
On Behalf of Disability Insurance Law Group | | Long-Term Care InsuranceMany people assume that moving into an assisted living facility will make it easier to qualify for long-term care insurance benefits. After all, the need for assistance has become significant
When Life Insurance Companies Question Capacity, Undue Influence, or Last-Minute Beneficiary Changes
On Behalf of Disability Insurance Law Group | | Life InsuranceLife insurance is intended to provide financial security to loved ones after a person’s death. In many cases, benefits are paid without dispute. However, when a beneficiary designation is changed
What Happens When an ERISA Insurer Ignores Favorable Evidence From Your Treating Physicians
On Behalf of Disability Insurance Law Group | | disability insurance claimMany people assume that the opinion of their treating physician will carry significant weight in a long-term disability claim. After all, the physician has examined them, monitored their condition, reviewed
How Vacation Travel, Family Events, and Social Activities Are Used Against Disability Claimants
On Behalf of Disability Insurance Law Group | | disability insurance claimMany disability insurance claimants are surprised to learn that activities occurring outside of work can become part of the insurer’s evaluation process. A family vacation, a wedding, a holiday gathering,
How Disability Insurers Use Job Descriptions to Minimize Legitimate Claims
On Behalf of Disability Insurance Law Group | | Disability insuranceMany people assume disability insurance claims are decided primarily by medical evidence. While medical records are certainly important, insurers often focus just as heavily on something else: the claimant’s occupation.
Unum Pre-Existing Condition Denial, What to Do
On Behalf of Disability Insurance Law Group | | Appealing A Claim DenialA denial from Unum based on a pre-existing condition can be especially confusing when you have already been approved for benefits, or when your condition clearly prevents you from working.
New York Life Pre-Existing Condition Denial – What to Do
On Behalf of Disability Insurance Law Group | | AD&D Claims Denied Disability Insurance ClaimA denial from New York Life based on a pre-existing condition can feel especially frustrating when you know how significantly your condition affects your ability to work. Many people expect
How to Respond When an Insurance Company Says Your Condition Is “Pre-Existing”
On Behalf of Disability Insurance Law Group | | Disability insuranceBeing told that your disability claim is denied because your condition is “pre-existing” can feel like the conversation is over before it really begins. Many people assume the insurer is
How Insurance Companies Use Your Medical History Against You in Pre-Existing Condition Reviews
On Behalf of Disability Insurance Law Group | | Disability Insurance PolicyWhen a disability claim is reviewed for a pre-existing condition, the focus often shifts away from your current limitations and toward your past. Many claimants expect the insurance company to
How Disability Insurance Policies Define “Related Conditions”, And Why That Matters for Your Claim
On Behalf of Disability Insurance Law Group | | Disability insuranceWhen a disability claim is denied based on a pre-existing condition, the explanation often sounds simple. The insurance company may say your current condition is “related” to something in your