You sit at a desk all day. You work on a computer. You do not lift heavy objects or stand for long hours. So when your claim lands on an adjuster’s desk, the reasoning feels automatic. Your job is sedentary. You can sit. Therefore you can work. That reasoning is wrong and costs thousands of […]
If you suffer from brain fog, difficulty concentrating, or memory problems, and your symptoms interfere with your ability to work, you may benefit from a neuropsychological evaluation. […]
One issue that frequently arises in the realm of disability benefits is whether an employee can continue to receive disability benefits after being terminated from his or her job. Before diving into the issue of disability benefits after termination, it is first important to understand the difference between a medical […]
When an employee needs to be absent from work for more than a brief period, there are two resources they can turn to protect their employment as well as their income – Short-Term Disability (STD) and Family and Medical […]
ERISA is an acronym for the federal Employee Retirement Income Security Act of 1974. Most people have never heard of ERISA, but its comprehensiveness impacts the vast majority of American workers and their dependents. The original intent behind ERISA’s enactment was to remedy pension plan abuses; however, just prior to Congress’ passage of the ERISA law, the scope […]
There are three occasions when someone would consider hiring a lawyer for a disability insurance claim: Before filing a claim, after a claim has been denied, and prior to filing a lawsuit. […]
There are over 1.3 million lawyers in the U.S. today, but when you’ve been wrongfully denied a critical benefit, how can the average person figure out how to choose the right lawyer to handle your case? […]
Receipt of disability benefits raises several tax issues. The resolution of such matters concerning disability benefits is often unclear and can sometimes be highly complex. For that reason, this blog is not intended to be an exhaustive discussion of the potential issues […]
If you suffer from a severe illness or have an injury that interferes with your ability to work, you may need disability benefits. Whether you are applying for short-term disability (STD), long-term disability (LTD), or individual disability insurance (IDI) benefits, it is critical that your doctor(s) complete specific paperwork to support your claim. […]
When your long-term disability claim gets denied, the insurer sends a letter citing policy language, medical opinions, and procedural terms you’ve never heard of. What they don’t tell you is what matters most. Behind every denial is a person whose life just became exponentially harder. […]
Qualifying for group long-term disability (LTD) insurance benefits often means that Social Security Disability Insurance (SSDI) is also approved. Disability insurers typically request LTD beneficiaries to apply for SSDI benefits and will usually provide claimants with assistance. […]
Many high-income professionals purchase disability insurance coverage believing it will automatically protect them if they become unable to work. […]