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
Five Ways New Claim Procedure Regulations Will Impact Your LTD Claims: Change #2
For claims filed after April 1, 2018, there have been some changes that will be helpful to claimants and hopefully make the claim process fairer: Change #2: The Explanation For ERISA long-term disability claims and pension disability claims, the insurance
The Ticking ERISA Time Bomb
Mr. Williams, who suffers from numerous physical illnesses and can no longer work, found out the hard way how confusing and unfair it can be to calculate the deadline for filing an ERISA lawsuit. His lawsuit “blew up” before it