The U.S. Court of Appeals for the Sixth Circuit recently held in favor of a long-term disability (LTD) claimant whose insurance company denied his claim based largely on severe, chronic back pain. Disability insurance companies often improperly discount credible...
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Helping People Like You With Their Disability, Life And Long-Term Care Benefit Claims
short term disability
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,...
Unum wrongly denied Long Term Disability as pre-existing condition
Disability insurance policies often ban coverage for disability that stems from pre-existing conditions. In other words, if someone had a medical problem within a specified time frame prior to their effective date of coverage and they became disabled within the first...
Disability Insurance Law Group wins lawsuit and secures disability benefits for claimant suffering from cervical and lumbar pain after MetLife terminated benefits
Our client, Mrs. Y was covered under her employer-provided Short-Term and Long-Term Disability Insurance Policy, issued by Metropolitan Life Insurance Company (“MetLife”). Ultimately, Ms. Y became disabled from her occupation and any occupations due to cervical and...
Work-related injuries may qualify for short-term and long-term disability benefits
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...
Disability Insurance Law Group Wins Benefits Under a Cigna Disability Policy for Claimant Suffering From Fibromyalgia
Ms. R. was an executive of a large corporation for over 12 years. She was on track to take over the eastern division of her company. Ms. R. began noticing that during the day, she felt fatigued; however, it was not a normal feeling of being tired. It felt more like a...
CIGNA Long Term Disability Denial of Benefits for Traumatic Brain Injury, Mental/Nervous Disorder and Physical Conditions Overturned on Appeal
Ms. Doe hired to assist her in the claims process after being confused by CIGNA's handling of her claim due to Traumatic Brain Injury. Ms. Doe suffers from Mental/Nervous Disorders including anxiety and depression as well as physical...
Are you under surveillance by your disability insurance company?
Surveillance is a frequent tool used by disability insurance companies to try to deny or terminate claims. We often hear from claimants: "I have nothing to worry about, because I am actually disabled. Let them follow me;" "I would know if I were under surveillance;"...
Claim for short term disability leads insurer to change policy
As more people are becoming accepting of transgender surgery, insurance companies are changing policies. In this vein, a major disability carrier recently did so after initially denying a claim. This is good news for the transgender community in Florida as many are...
What you need to know before submitting an appeal of your group short-term or long-term disability insurance claim…
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 and LTD claims that you...