Injuries that occur on the job may be compensated through a workers' compensation claim. However, injuries that result in a prolonged absence or even permanent disability may qualify the employee for benefits under their employer's short-term disability and/or...
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Do you feel paralyzed with fear or anxiety when you leave home?
If you do, you could suffer from agoraphobia. The hallmark of this anxiety disorder is a need to get away from situations and places that make you feel panicked, helpless, embarrassed or trapped. You may feel like you need to get back into your comfort zone.You may...
What does your policy’s declaration page do for you?
Most Florida residents rely on the insurance company they work with to get their policies right. After all, they may not feel as though they have a choice in purchasing insurance in the first place, so they discuss coverage options and begin paying premiums.However,...
Liberty Insurance forced by Court to pay LTD Benefits for Anxiety and Bipolar Disorders
In May 2015, Wells Fargo & Company (Wells) hired Rosa Ramirez as a Financial Crimes Specialist. Shortly thereafter, in August 2016, Ms. Ramirez stopped working at Wells after suffering a mental breakdown following an altercation with her manager. Thereafter, due...
DI Law Group Appeal Results in Cigna/LINA Overturning Denial of Benefits for Lupus and Fibromyalgia Claim
Our client (Ms. X), a director of credit and collections in New York, hired to assist with her Long-Term disability claim with Cigna. She was diagnosed with Fibromyalgia, Lupus, Encephalopathy, Migraine headaches, Chronic Fatigue, Sleep...
ERISA Disability Insurance Appeals – Appealing A Long Term Disability Denial
Individuals who receive short term disability and long term disability coverage as a benefit of their employment are often shocked when their insurance carrier unreasonably delays the review and approval of a claim or unjustifiably denies or terminates their...
Aetna Denial Overturned due to Failure to Conduct a Full and Fair Review
Those who have filed insurance related claims have experienced the outcome-driven assessments in which insurance companies typically partake to determine an individual's disability. A recent federal court case, Gorena v. Aetna Life Insurance Company ("Gorena"), is a...
Debilitating PTSD makes living nearly impossible for some people
Many Florida residents experience traumatic events. Some of them are able to deal with the situation and move on with life within a reasonable amount of time. However, others cannot move on from the trauma quite to so easily. They tend to bear the scars from the event...
Inability to Perform an Essential Duty is Total Disability
When faced with a disability claim, the definition and interpretation of "totally disabled" under your assigned plan is central to the outcome of your claim. As portrayed in Derichs v. AT&T Services, Inc., a recent US District Court for the District of Kansas...
Why might an insurer deny a life insurance claim?
You may think that purchasing a life insurance policy is the safest way to provide for your loved ones after your death. It is a simple transaction with you paying your premiums and your loved one receiving a payout after your death.Unfortunately, if it were that...