When Accidental Death Isn’t “Accidental”: How Insurers Use Policy Language to Deny AD&D Claims
Accidental Death and Dismemberment (AD&D) insurance promises financial protection after an unexpected tragedy. These policies are marketed as straightforward—if a person dies or suffers a serious injury due to an...
Understanding the Timeline: What Happens After You File a Long-Term Disability Claim?
Filing a long-term disability (LTD) claim is a significant step toward securing the benefits you need to maintain financial stability during a serious medical challenge. But what happens next can...
How to Respond to a Request for Additional Documentation During the LTD Review Process
If you’ve filed a long-term disability (LTD) claim, receiving a request for additional documentation from the insurance company can feel both stressful and confusing. You may wonder what’s missing, whether...
I was so scared when my disability insurance company denied my claim. I had no idea how to prepare an appeal. I thought I would lose my house. They walked...
Former Client
I contacted Disability Insurance Law Group and they have been taking care of me since that first call. Alicia and her staff fought for me and kept me informed at...
Ms. B.
As a practicing general dentist for 35 years I did all the right things I was told to do by advisors. When I became unable to practice dentistry after a...
Dr. S.
My experience being a client of Ms. Mindy Chmielarz of Disability Insurance Law Group: I contacted Mindy from an advertisement after reviewing her AV rated status from her legal peers on...
Dr. JM
I realized one year ago I was going to need to file my disability claim and was urgently in need of expert legal counsel. My claim was extremely complicated and...
Dr. FM
am very grateful to Mindy Chmielarz for helping me with my disability claim. She is extremely experienced and knowledgeable in disability law. She was a tremendous asset and it was...
BT
I worked as a teacher for 15 years. I was in a car accident and despite 3 surgeries, I remained in constant pain. I filed my claim for disability insurance...
Paula R.
I struggled to continue to practice as a dentist after I was diagnosed with MS. After I developed a tremor in my hands, I knew I could no longer treat...
Dr. G.
I never imagined that I would have to discontinue my medical practice due to a disability. Unfortunately it happened, but I had appropriate disability insurance coverage. I knew that proper...
Some Disabling Medical Conditions With Complicated Diagnoses
Disability can result from a plethora of medical issues and symptoms. They do not have to be physical nor do they require diagnostic test findings or other such objective proof as evidence of disability. Insurance companies will deny claims, delay responses, and use any tactic to avoid paying a claim.
The law firm Disability Insurance Law Group has dedicated almost 20 years to pursuing the benefits to which our clients in Florida and across the country are legally and contractually entitled so they can meet their financial burdens despite not being able to work. We understand the pressure you are under and the complexity of your situation. We understand the unique challenges facing people with disabling conditions and seemingly complex disabilities.
Depression And Anxiety
Depression and anxiety are two common mental illnesses. They can strike without warning and for no apparent reason. Suffering from one or both of these conditions can make it impossible to work reliably and competently.
The facts are these: Depression can be life-threatening and anxiety often makes daily tasks unbearably difficult. The feeling of an anxiety attack can often mimic a heart attack, causing intense sweating, pain, fear, and many other symptoms. Attempting to work while suffering that level of fear and pain is impossible, and often requires medical attention to rule out life-threatening conditions.
People suffering from these conditions are disabled in that they cannot reliably work and perform their job duties. That may entitle them to significant disability benefits.
Chronic Fatigue Syndrome
Chronic Fatigue Syndrome, also called Myalgic Encephalomyelitis (ME/CFS), can affect the entire body, completely sapping a person’s mental and physical stamina. According to the CDC, people suffering from ME/CFS struggle with daily activities and in some cases may be bed-bound.
This is a serious medical condition that can impact a person’s functionality including their ability to:
Think.
Sleep.
Focus.
Walk.
Sit or stand comfortably.
Perform even minimal tasks without becoming exhausted.
Although the cause of the condition is not entirely clear and there are limited diagnostic tests that can be used to confirm it, physicians and medical researchers acknowledge that CFS can be debilitating and disabling.
Failed Back Syndrome
Failed Back Syndrome, also known as Failed Back Surgery Syndrome, happens when a person has back surgery but continues to experience pain. The back is one of the body’s most complex and painful areas, and back surgery is often the last resort to addressing pain.
However, when back surgery does not yield results and in some cases worsens a person’s condition, it can leave a person suffering from excruciating, disabling back pain, which creates significant challenges with day-to-day tasks, such as:
Sitting.
Standing.
Lying down.
Lifting any weight.
Reaching in any direction.
Walking.
Back pain makes every single movement an exercise in endurance. It is a disabling condition, and you are entitled to benefits for your condition.
At Disability Insurance Law Group, We Also Offer Insurance Claims For The Following Conditions:
Taking On The Insurance Company To Protect Your Benefits
Insurance disability law is complex and insurance companies are generally not motivated to fairly evaluate claims and pay benefits. At Disability Insurance Law Group, we are on the side of the insured. Our experience and understanding of insurance company tactics and the law have helped us successfully obtain benefits for thousands of clients. If you have questions about a disability claim, please feel free to contact us at 954-989-9000 or send us an email for a consultation at our Nationwide office.
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