In a dispute over Long Term Disability benefits, the term “own occupation” can start to take on more meaning that those two words seem to imply at first glance. The general gist of this examination is that a claimant is found to be disabled if they become unable to perform the material and substantial duties [...]
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 [...]
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 [...]
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 [...]
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 [...]
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 [...]
There are many reasons you should have long term disability coverage. We're uncovering what it can do for you! The majority of people rely on their work income to pay for living expenses, like food and housing, and have no other means to support your family in the event of an illness or injury which [...]