Tag: #longtermdisabilitylawyer
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
The Games Long-Term Disability Insurers Play: Unlimited Fouls
In basketball, certain physical contact with a player on the other team is deemed by the rules unfair and considered a foul. The penalty is free throw(s), or the ball is put in play again. Intentional fouls are used to
Believe It Or Not [Video]
The conduct of insurers in the long-term disability world can sometimes be incredible. Today’s client story is an example of an insurer’s frustratingly unbelievable conduct. Mr. Mitchell was a hard worker. He went to work right out of high school
Punished for Enjoying Life [Video]
People who suffer an injury which prevents them from working often wind up depressed. In our client story this week, our client tried to lead a normal life in order to prevent that depression. But that created problems. After a
What happens when you can no longer support your family? [Video]
Teachers help take care of our children. But, what happens when teachers become disabled and can’t financially take care of themselves? Watch this video for a story about a client that we helped but whose case could have been a
A Great Employer Doesn’t Mean Anything in ERISA [Video]
Mrs. Landry worked for 40 years for a terrific company. After suffering from a life-changing hemorrhagic stroke, her employer provided her with sick leave and a long-term disability benefit. Unfortunately, the disability insurer refused to pay her claim. Anyone can