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 [...]
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 [...]
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 [...]
Insurance carriers have a multitude of reasons for denying claims for Long Term Disability benefits, including both the overt ones they cite in the denial letter and the undisclosed internal motivations leading to a "Long Term Disability denied" decision. If your Long Term Disability claim has been denied, you can look to your denial letter [...]
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 [...]
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 attorney, one of the first letters I will send will tell you to keep a Long Term Disability 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 [...]
