On behalf of DI Law Group | Mar 8, 2019 | Disability Insurance Policies
Before you submit an appeal of your group short-term (“STD”) or long-term (“LTD”) disability claim, it is essential that you understand your obligations and rights under the applicable law. What you do not know, could hurt you!Most group STD...
On behalf of DI Law Group | Apr 21, 2017 | Common Disability Insurance Company Tactics, Disability Insurance Companies, Disability Insurance Policies, Toral V. Partial Disability, Unum Individual Insurance Claims
Almost fifteen years ago, Unum Provident entered into a historic multi-state settlement with 3 lead states, 46 other states and the District of Columbia, as well as the U.S. Department of Labor, that cost it in excess of $120 million to comply, required it to reassess...
On behalf of DI Law Group | Mar 9, 2017 | Disability Insurance Policies
A recent case out of the North District of Oklahoma, Anderson-Posey v. Unum Life Ins. Co. of Am., involved a long-term disability insurance policy issued by Unum Provident and governed under the Employee Retirement Security Act of 1974 (“ERISA”). The...
On behalf of DI Law Group | Mar 5, 2017 | Disability Insurance Policies, ERISA
A federal district court recently overturned Northwestern Mutual’s denial of own occupation disability insurance benefits to an attorney with congestive heart failure unable to handle stress. The case Mustain-Wood v. Northwestern Mututal Life Insurance Company...
On behalf of DI Law Group | Jan 12, 2017 | Disability Insurance Policies
Ms. A became a kindergarten teacher in 2001. She loved her job and each of the children she taught throughout the years. Unfortunately, in the winter of 2014, Ms. A. was in a serious car accident. She was stopped at a light when a pick-up truck struck her car from...
On behalf of DI Law Group | Dec 6, 2016 | Disability Insurance Policies
Our client, Mr. D was a partner at a large accounting Firm for 9 years. Unfortunately, he began to experience severe and debilitating symptoms and was ultimately diagnosed with Multiple Sclerosis (“MS”). Mr. D had difficulty accepting the diagnosis and...
On behalf of DI Law Group | Mar 15, 2016 | Disability Insurance Policies
Chiropractic Physician, Joan Hangarter, owned her own chiropractic practice in Berkeley, California and during a typical day she would treat between 30 and 50 patients. In 1989, Dr. Hangarter purchased an “own occupation” disability insurance policy from...
On behalf of DI Law Group | Sep 9, 2015 | Disability Insurance Policies
There is a great deal of misinformation about the amount fraud against disability insurance carriers. While some people may believe going out on disability is akin to an early retirement, those individuals who are truly disabled know this is certainly not the...
On behalf of DI Law Group | Jun 5, 2015 | Disability Insurance Policies
In the case of Giddens v. Equitable Life Assurance Society of the United States, 445 F.3d 1286 (11th Cir. 2006), the Eleventh Circuit Court of Appeals held that regardless of his intent, if Dr. Giddens was not practicing dentistry at the time of his disability under...
On behalf of DI Law Group | May 18, 2012 | Disability Insurance Policies
Most employer sponsored group disability plans, and a very few individual disability insurance policies, limit the payment of disability benefits to 24 months if the disability is caused by a mental/nervous condition such as Fibromyalgia or Generalized Anxiety...
