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 [...]
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 [...]
Northwestern Mutual has been around since 1857. Most known for its provision of life insurance policies, Northwestern also offers disability insurance and long term care insurance. Unfortunately, this firm has a great deal of experience helping our clients overturn valid claims for long term disability benefits that have been denied by Northwestern. You may ask, [...]
Many of our clients are shocked to learn that they must wait a period of time after becoming disabled prior to receiving benefits for Long Term Disability. Most insurance companies have a long term disability elimination period of at least ninety (90) days, but some may be only thirty (30) or sixty (60) days. The [...]
Harris Corporation is a dense contractor located in Melbourne, Florida. It is generally a fine corporation and an excellent place to work. Unfortunately, as with just about all corporate employers, when it comes time to end the employment relationship, the corporation now views the former productive employee as business liability. What Happens when You Make [...]
Long Term Disability benefits are often referred to as income replacement benefits. That is because these benefits replace lost income if you are unable to work due to injury or chronic illness for a period of months or even years. Most employers offer short term disability policies, along with long term disability policies. Most usually, long [...]
The use of medical record reviews is not new. Insurance companies utilize medical reviews in order to assess the validity of Long Term Disability claims. These are performed by medical professionals of all kinds. Unfortunately, these ‘professionals’ are paid for their opinions by the insurance companies, and often feel that a foregone conclusion to deny [...]
As far as your Short Term Disability and Long Term disability benefit claims are concerned, this law firm is a full-service firm. We represent clients from making the decision to go out on disability, submitting the application, and handling any issues which may arise, including a potential return to work, if feasible, right through filing [...]
If you are disabled and unable to work, you are welcome to sit in my chairs. We want you to be comfortable when you discuss your disability claim, but we know you would much rather be up and around than sitting in my office. So, I have these two beautiful chairs in my office. They [...]
A recurring concern in every group Long Term Disability benefits claim is the way Long Term Disability and Social Security offsets interact. Two problems commonly arise in this context. The first issue involves situations where an individual receives Social Security benefits, leading to an overpayment of benefits. It is often during this time that claimants [...]
