Lloyd's of London is one of the oldest insurance companies in the world still offering coverage. Llyods offers private, as well as employer-based, disability policies for individuals most typically seeking excess disability coverage. Unlike other corporations offering insurance, Lloyd’s is a corporate body established by the legislation of Great Britain creating an umbrella of insurance [...]
Every Short Term Disability or Long Term Disability benefits insurance policy reviewed by the author has a provision allowing the insurance company an opportunity to conduct its own “independent” medical examination of the claimant, commonly referred to as an “IME.” There are any numbers of reasons an insurance company might avail itself of its rights [...]
The cheap little, mean, ways that insurance companies use to get out of paying benefits would be astonishing if they were not quite so sad. Of course, the insurance company started out by writing an insurance policy which is just a minefield of reasons to deny the deserving claimant. If that does not work, then [...]
Insurance companies are required to consider not only the disabling medical conditions but also the side effects suffered by a claimant as a result of medications that have been prescribed. Do medications affect a long term disability claim? The insurance company is required by governing case law to give consideration of the impact those medications [...]
In the early stages of your Short Term Disability claim, the focus is on whether you can perform your own occupation with the Employer. The hoped-for result is a disability claim which extends only for a short duration during which your position is protected for 12 weeks by the federal statute commonly referred to as [...]
From my many years of experience in the Short Term Disability and Long Term Disability area of the law, it has become apparent to me that the medical and vocational issues are not the only factors driving the insurance company’s benefits determination in a Short Term Disability or Long Term Disability benefits claim. Of course, [...]
Over the years I have handled Short Term Disability and Long Term Disability benefits claims, and I have witnessed the insurance companies make every effort to come between the claimant and his or her doctors. This has come to the point that many physicians’ offices will not even complete any paperwork. It is a sad [...]
As the years I have been handling short term disability and American Fidelity long term disability benefits claims have turned into decades and now into scores of years, I thought maybe I had gotten to the point where I can faithfully say to my clients that I have dealt every insurance company on every issue [...]
Insurance companies offering policies for Long Term Disability benefits commonly require the completion of forms such as an Attending Physician's Statement by your primary disabling physician. As part of the contractual relationship entered into by you and the insurance company, they are entitled to this input by the medical professionals establishing your medical disability. Without [...]
MetLife, or Metropolitan Life Insurance Company, is one of the world’s largest global providers of insurance. If you were denied your disability insurance benefits by this insurer, you may be asking "What Do I Do If MetLife Denied My Long Term Disability Claim?" MetLife is one of the largest providers of Long Term Disability policies [...]
