While the medical community has communicated that many people who get COVID-19 either have no symptoms or a mild case, they have also advised that many experience severe symptoms, even if they do not require hospitalization. Additionally, an increasing number of...
Application Process
Challenges of a disability insurance claim based on anxiety
We are currently having a collective experience that provokes some degree of natural anxiety in almost everyone. However, when the level of anxiety becomes overwhelming, it can prevent a person from being able to work in their occupation. Individuals with a private,...
Fighting for appropriate benefits for disabled nurses
Florida nurses face complex risks and hazards every time they clock in for work. Health care is an ever-changing and difficult industry, and the men and women who work in this field as nurses may face certain physical risks on the job. Nursing can be hazardous, no...
CTE, Concussions, and Proving a Disability Claim
In a clip from FRONTLINE's League of Denial, neuropathologist Dr. Ann McKee discusses the brain of Penn football player Owen Thomas, who took his own life at age 21. After Thomas's death, Dr. McKee studied Mr. Thomas's brain and was shocked to find evidence of Chronic...
Prepare to battle for coverage of eating disorder treatment
Without a doubt, you have had some frightening moments in the recent past. Perhaps you have sat in an emergency room on more than one occasion or called for an ambulance for your unresponsive loved one. Certainly, you had more than one argument with your child, an...
A well-prepared claim and applications resulted in benefits under all of claimant’s policies
The value of making sure all necessary proof of disability is obtained and clarified prior to filing a claim for disability benefits is imperative to the success of any claim, whether it is filed under a group policy, an individual policy, or multiple policies...
The Fundamental Flaw in Utilizing CPT Codes to Analyze a Physician’s Pre-Disability Occupational Duties When an Insurance Company “Investigates” a Disability Insurance Claim
For years, insurance companies have aggressively marketed their disability insurance coverage to physicians, specifically targeting "specialists" with attractive "Own Occupation" protection. They induced physicians to purchase disability insurance with liberal...
Applying for Disability Benefits Requires a Properly Completed Application
When applying for disability insurance benefits it is extremely important that the application for benefits is properly completed and that there are no ambiguities that can be misrepresented or misinterpreted by the insurance carrier. The application is the insured's...
Fibromyalgia and the Disability Insurance Claims Process
Those suffering from a severe case of Fibromyalgia know that it can cause widespread, debilitating pain, cognitive problems such as memory loss or difficulty with concentration, and overwhelming fatigue. Unfortunately, the cause of fibromyalgia remains unclear and...
It is Critical to Have the Documents Governing a Benefits Claim Before Filing a Claim.
Whether you are insured under an individual insurance policy that you obtained on your own, or a participant under a group benefit plan that was provided to you as a benefit of your employment, it is critical to have a copy of the documents...