Tag: #ERISAdisabilitylawyer
Top 10 Most Confusing ERISA Terms
Often the first two questions we hear from our clients are: Why did they deny my claim? What does this letter mean? Our clients have usually received a letter full of confusing ERISA jargon and terms from an insurance company
How Independent is an Independent Medical Evaluation? [Video]
Many attorneys and courts assume that an independent medical exam (IME) is a fair and even-handed way to evaluate whether a long-term disability claimant truly meets the definition of disability. In many cases, it appears that the long-term disability carrier
PTSD: More Than What You Think
We have handled many different long term disability claims over the last 27 years. One challenging medical condition is post-traumatic stress disorder (PTSD). A person with this disorder has suffered a traumatic event which precludes full function in work environments.
Priscilla & the Turf War [Video]
Priscilla worked her entire adult life as a nursing assistant. She bathed, fed, moved and assisted struggling patients. It was a physically demanding job. She began having problems with her neck but continued to work because she had to. It
Five Ways New Claim Procedure Regulations Will Impact LTD Claims: Change #5
Change #5: Restrictions on Retroactive Cancellation One weapon utilized by insurance companies is rescission. That means cancellation of a contract and the return of the parties to the position they would have been in had the contract never been made.
Five Ways New Claim Procedure Regulations Will Impact LTD Claims: Change #4
Change #4: The Statute of Limitations ERISA allows plans to incorporate terms that provide deadlines or time frames. Usually if the time frames are not contrary to the minimum requirements of ERISA, they are contractually enforceable. One of those time
Face-to-Face Meetings
Did you know we meet at a location near many of our clients? Because many of our clients are disabled they cannot travel to our main office in Tuscaloosa, so we travel to locations near our clients in Alabama, Mississippi
The Games Long Term Disability Insurers Play – Game #5: No Flag on the Play
Ask any team who just lost a close football game, and they will likely tell you that but for the penalties that should have been called on the other team, they would have won. The video review of plays has
How often do you represent a professional football player? [Video]
How often do you represent a professional football player? For someone who does ERISA work, not often. A few years ago, I had the privilege of representing one. He played football here at a state university for two years and
You Might Have an ERISA Case If… The Basics
People often discover too late that their case is governed by ERISA. And, that can make or break a claim. At a minimum, it can dramatically alter a client’s expectations. Jury trials, punitive damages, and mental anguish damages are generally