Of particular import in Long Term Disability benefits claims, is the precise identification of the disabling condition or conditions. This is especially true with diseases involving the various disc levels of the spine as well as the various joints. It is interesting to me the differing number of names for the same condition in the [...]
Waiver of Life Insurance Premiums or Extension of Death benefits are sometimes provided in connection with group Life Insurance benefits. They are usually associated with a pending claim for Short Term Disability or Long Term Disability benefits. Basically, when a person is medically disabled from work, there is a provision in the Plan Documents or [...]
Many of us have read the book “Who moved my cheese?” It is about what to do when the world I may have constructed for myself is completely blown up by circumstances beyond my control. Every one of my clients has experienced this, especially for those claiming long term disability benefits although even a short [...]
At the moment in time when you become disabled, your whole world is turned upside down. This is one good reason there are so many who work well beyond the point at which they should stop because of their disability. Legitimately, there is great concern about what is on this new horizon. We have been [...]
At Herbert M. Hill, P.A., just about all we handle are short term disability and long term disability benefits claims. We routinely handle claims for individuals who are suffering from the catastrophic effects of chronic pain and pain medication dependence. It is always our intent to empathize with our clients’ medical conditions and understand how [...]
Recently, our office has heard from many clients that claims representative have directed them to appeal the denial of Short- and Long-Term Disability benefits in a short, direct statement. Some clients have come to us after having written to their insurance carrier only stating, “I appeal,” at the direction of the representative assigned to their [...]
Symetra Life Insurance Company is a new kid on the block in the Short Term Disability Long Term Disability industry, or, at least, this company has suddenly appeared on a slew of cases coming into our office. It is a corporation organized pursuant to the laws of the State of Washington. It has its home [...]
Over the many years that I have handled Short Term and Long Term Disability claims, I used to complain in my various writings about the fact the claimant was never afforded an opportunity to comment on the “Medical Records Reviewers Reports” relied upon by insurance companies to deny benefits. The governing federal regulations were changed [...]
Insurance carriers have a multitude of reasons for denying claims for Long Term Disability benefits, including both the overt ones they cite in the denial letter and the undisclosed internal motivations leading to a "Long Term Disability denied" decision. If your Long Term Disability claim has been denied, you can look to your denial letter [...]
Over the decades I have handled Short Term Disability and Long Term Disability benefit claims, I have watched the definition of “disabled” or “disability” change quite dramatically. Back in the 1980s and ‘90s, it was fairly routine for the definition to be whether you were disabled from your “own occupation.” Then, insurance companies have been [...]
