It is important to protect your income stream of disability benefits. You trusted through all your pre-disability years, as you were paying into a private or group Short Term or Long Term Disability plan, that in the event that an injury or illness should make you unable to work, you would be secure financially through [...]
One of the points in most Long Term Disability benefit claims is when, at long last, Social Security Disability benefits have been awarded. The delay in the award of Social Security Disability is routine. Unless you meet the age 55 “bright line” test, have one of the “scheduled” medical conditions or have a catastrophic medical [...]
If you have had disability benefits reinstated after a denial in ERISA-based disability benefits claim, either through a successful appeal or through the court system, there is nothing stopping the insurance company from once again denying your Long Term Disability claim. In fact, in the Eleventh Circuit, which includes Alabama, Florida and Georgia, your insurance [...]
Attorney’s fees are problematic in cases involving claims for Long Term Disability benefits. The first point is that it is not a personal injury case like the ones you see attorneys advertising for. The claim for Long Term Disability benefits does not lend itself easily to a straight contingency fee for both the client and [...]
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 [...]