The Long Term Disability Claims Representative

By |2024-03-05T19:51:17-05:00September 6th, 2023|Blog, Long Term Disability|

The behavior of disability claims representatives in connection with Short Term Disability or Long Term Disability claims has been a source of great consternation and astonishment for my staff and myself over the years.  What Is The Motivation? We have tried to figure out what motivates these claims representatives and the tactics we must use [...]

Don’t Be Bullied by Artificial Deadlines in Your Florida LTD Policy Claim!

By |2023-12-20T13:32:57-05:00June 16th, 2023|Blog|

One thing which drives many people into my office is the constant unreasonable demands made by claims representatives about Florida LTD policy claims.  These claims representatives, who are grossly overworked, get behind on their files. Then try to catch up by demanding you provide documentation immediately. Now, your obligation as the claimant is to provide [...]

ERISA: Congress’ Cruelest Joke?

By |2023-12-20T13:38:47-05:00June 9th, 2023|Blog|

In the course of my efforts to stay current on the law governing Short Term Disability and Long Term Disability claims, I review a lot of cases governed by the federal statute commonly referred to as “ERISA.”  ERISA is the Employee Retirement Income Security Act. The name sounds like the Act is designed to protect [...]

The Burden of Proof in a Long Term Disability Claim

By |2023-11-06T14:07:12-05:00March 9th, 2023|Blog|

One issue I do not believe many claimants correctly understand is the issue of who has the burden of proving your Short Term Disability or Long Term Disability claim.  The simple answer to this question is generally found in the insurance policy. My experience over the many years I have been handling these claims is that [...]

How Monthly File Reviews Expedite Your Long Term Disability Settlement

By |2023-08-11T11:30:20-04:00January 18th, 2023|Blog|

Monthly File Reviews may go unseen by my clients but they are a valuable way for me to keep an eagle eye on all of our firm’s Long Term Disability settlement cases. There is much activity that takes place in connection with each client’s claim that goes unnoticed by the client. Many times we are [...]

Highest and Best Result In A Long Term Disability Claim

By |2023-07-12T16:41:10-04:00November 8th, 2022|Blog, Long Term Disability|

We routinely explain to our clients that their highest and best result is the primary goal when handling Long Term Disability claims. That result is to get the claimant on regular monthly checks. This is the result that is going to achieve the greatest financial benefit to the claimant. In addition, this is also the [...]

The Long Term Disability Industry Makes Money Off Denied Small Claims

By |2023-08-11T11:31:24-04:00November 1st, 2022|Blog|

It has become over the years we have represented claimants in Short Term Disability and Long Term Disability claims that insurance companies make a habit of denying claims that involve a relatively small amount for total benefits. I say "relatively" because the amount of money to the insurance company is truly a pittance but for [...]

More Factors Considered in Your Long Term Disability Benefits Claim

By |2023-04-13T14:18:05-04:00October 20th, 2022|Blog|

Over the years, it has become clear to the undersigned that Long Term Disability insurance companies look to many factors other than the merits of the claim in determining whether to pay benefits. The only valid considerations are medical and vocational evidence. Of course, an insurance company will always try to wriggle through one of [...]

FMLA, STD, LTD, ERISA, COBRA: What’s it all about, Alfie?

By |2023-06-09T08:31:01-04:00September 15th, 2022|Blog|

As part of our goal of serving our clients from beginning to end on their Short Term Disability and Long Term Disability claims, we routinely address questions arising out of the myriad state and federal statutes which govern these claims and other end of employment rights.  The alphabet soup of statutory names alone can be [...]

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