Disability Insurance Policies
Debunking Disability Myths
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesThere 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,
If You Are Not Practicing As A Dentist On The Time Of Your Disability Claim Under The Policy, Regardless Of Intent, Dentistry Is Not Considered “Your Occupation.”
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesIn 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
Disability Insurance Policy Lump Sum Buyouts
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesA disability insurance policy lump sum buyout is where an insurance company pays an individual an agreed upon lump sum amount of money to fully “buyout” the life of an
Unum Reports That More Breast Cancer Survivors Are Returning To Work After Short Term Disability Leave
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesOn October 4, 2012, **Unum announced that more than twice as many people who have battled breast cancer are returning successfully to work after short term disability leave. Unum explained that in
The Effect Of A Severance Or Employment Agreement On A Disability Or ERISA Benefit Claim
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesIn cases where an employee has a serious illness or injury that will likely prevent them from returning to work for many months or longer, their employer may ask them
Important Information About Psychological, Mental/Nervous Disability Claims
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesMost 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
The Pre-Existing Condition Provision in A Disability Insurance Policy
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesMost employer-provided Long Term Disability policies and some individual disability insurance policies include an exclusion for disabilities caused by a pre-existing condition. Generally, a pre-existing condition disability insurance is defined as a
You Could Be Severely Damaging Your Disability Insurance Claim By Phasing Out Your Job Duties Or Agreeing To A Transition Period Before You Officially Stop Working.
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesOften, after it becomes clear that an individual can no longer perform the duties of their occupation and must apply for disability benefits, they will attempt to work reduced hours
Social Security Benefit Offsets And Reimbursement Requirements
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesLong term disability insurance provides income to workers whose earnings are interrupted by a lengthy period of disability. However, it is important to recognize that under the terms of most employer-sponsored
Can Signing A Severance Agreement With Your Employer Affect Your Disability Benefit Claim?
On Behalf of Disability Insurance Law Group | | Disability Insurance PoliciesSigning a severance agreement with your employer can hugely affect your disability benefits claim. In fact, by signing a severance agreement you can entirely waive your right to pursue your disability benefits