Your private disability insurer may require you to undergo what is known as an “independent medical examination” (“IME”). Indeed, most disability insurance policies include provisions that permit the insurer to require claimants to undergo an examination with a physician of its choosing. Whether you receive disability benefits can depend largely […]
If you are ill or have been injured and can no longer work, disability insurance protects you and your family from financial hardship by paying a portion of your income when you cannot work. The disability benefits claim process can be complicated, particularly when you have to establish that you are disabled from all work, not just your own occupation.
Every disability insurance policy includes a requirement that the insured must be under the care of a physician as a condition of receiving or continuing to receive benefits. But what does it mean to be under the care of a physician […]
Disability benefit cases governed by the Employee Retirement Income Security Act are not only about whether someone qualifies for benefits, but often involve benefit terminations. While many courts have confronted that situation, the guidelines for assessing ongoing disability benefit claims have varied, especially under a deferential standard of judicial review.
By definition, anyone who applies for short-term and long-term disability benefits is in a vulnerable situation. They are sick or injured and unable to work. And they are counting on their disability benefits to help meet their financial needs. Undeniably, it is unbearably hard to fight a debilitating illness or injury and battle with their insurance company at the same time […]
Every claim for group long-term disability benefits requires input from the claimant’s employer […]