Decoding Pre-Existing Conditions: A Comprehensive Guide for Disability Claimants
Group disability insurance offers financial protection by providing income replacement in the event of an individual’s inability to work due to illness or injury. […]
Author: Matthew Maloney
The Insurer’s Playbook: Inside the Tactics Used to Deny Legitimate Disability Claims
When Matt Maloney tells the story of the woman who lost complete use of her arm, his voice still carries the same disbelief he felt nearly a decade ago as a young law clerk. The insurer’s response to her disability claim was as cold as it was absurd: she could still work. Just use her other arm. […]
Denied for “Insufficient Evidence”? How to Build a Stronger Disability Case
Disability insurers often deny claims as “insufficient,” especially when it comes to claims based on pain, fatigue, cognitive impairment, or mental health conditions. […]
Should You Settle or Sue? Evaluating Your Best Path in Disability and ERISA Disputes
If your disability insurer has denied your appeal of their termination of benefits and you have exhausted your appeals under your disability policy, then you are entitled to file suit in federal court pursuant to the Employee Retirement Income Security Act of 1974 (“ERISA”). [..]
Keeping a Symptom Diary Can Improve Your Chances of Receiving Disability Benefits
To receive disability insurance benefits from an insurance company, it’s not enough to have a disabling diagnosis. Rather, insurance companies reviewing disability benefit claims require evidence (such as medical records, letters from doctors, and test results) to determine the validity and severity of the disabling condition […]