The Content of Your Appeal Matters

By |2019-03-11T15:33:54+00:00March 18th, 2019|Blog, Long Term Disability, Short Term Disability|

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

By |2019-03-11T15:30:59+00:00March 15th, 2019|Blog, Life Insurance|

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 [...]

Medical Records Reviewers Reports

By |2019-03-11T15:26:11+00:00March 11th, 2019|Blog|

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 [...]

Why Was My Long Term Disability Denied?

By |2019-03-11T15:26:38+00:00March 4th, 2019|Blog, Long Term Disability|

There are so many reasons an Insurance carrier can decide to deny a claim for Long Term Disability benefits.  There are those reasons that they use to deny on the surface and cite in a denial letter and there are those internal reasons which motivate the insurance companies to deny that you will not be [...]

Ever-Changing Definition of Disability

By |2019-02-27T17:16:20+00:00February 25th, 2019|Blog|

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 [...]

Let Our Paperless Office Work For You

By |2019-02-11T11:28:27+00:00February 25th, 2019|Blog, Long Term Disability|

Our office has been a paperless office for over 11 years. Other than very specific, original documents in our clients’ files, all the documentation that goes through our office is digitized. Being a paperless office is particularly helpful when handling a Long Term Disability claim, which is document intensive.  This system allows us to keep [...]

Keeping A Case Diary

By |2019-02-11T11:21:08+00:00February 18th, 2019|Blog, Long Term Disability|

If you hire me as your Long Term Disability attorney, one of the first letters I will send will tell you to keep a case diary.  I cannot emphasize this enough, for a number of reasons. First, if you write it down, you do not have to remember it.  This is helpful because this time [...]

Medical Records Reviewers

By |2019-02-11T11:16:04+00:00February 11th, 2019|Blog, Long Term Disability, Short Term Disability|

When Short Term Disability or Long Term Disability benefit claims are denied an “Administrative Appeal” must be filed.  This is a time when you really need an attorney to guide you through the regulatory you will encounter. The new regulations concerning the use of “medical records reviewers” hired by the insurance company to render medical [...]

How Your Social Media Account May Affect Your Short or Long Term Disability Claim

By |2019-02-06T17:02:20+00:00February 7th, 2019|Blog, Long Term Disability, Short Term Disability|

Could your social media account affect your disability claim? Find out below. Many of our clients ask whether their disability insurance company will investigate them either in person or online.  Taking your child to school, having dinner with family or friends, or engaging in your favorite hobbies can turn an innocent life activity into one that [...]