Fibromyalgia is a common yet often misunderstood medical condition that affects approximately four million Americans. Fibromyalgia can be particularly complex within the context of disability benefits. If you are unable to work due to fibromyalgia symptoms […]
Disability BenefitsBack to Insights
Few doctors relish the task of completing disability paperwork. After a long day of treating patients, what physician wants to sit down and respond to a confusing questionnaire or a cryptic report? Worse yet is when the doctor’s words are misrepresented or taken out of context by the insurance company […]
Navigating the disability benefit claim process can be overwhelming, and the challenges don’t necessarily end once your initial disability claim is approved. Understanding when and why an insurer can terminate your disability benefits can be confusing. Learning […]
Disability insurance companies base their claim decisions on the claimant’s medical restrictions and limitations. “Restrictions” are what some cannot do as determined by their doctor, while “limitations’ are what someone is limited in doing. In the absence of restrictions or limitations, there is no “disability” as defined by the policy […]
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.