Disability Benefits

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Appeals court takes stand on sitting, opts for Labor Department ruling

The determination of a claimant’s physical exertional capability is critical in cases involving occupational assessment. The U.S. Department of Labor has created specific categories, “sedentary,” “light,” “medium” and “heavy,” to define the physical requirements of various jobs; and the Social Security Administration utilizes the same terminology in its disability insurance program.

Judge delivers a sobering message to wine rep’s disability insurer

The importance of accurate vocational assessments in disability benefit claims cannot be overstated. A physician’s statement listing physical and mental limitations due to medical conditions are only part of the picture – the ultimate question is whether such limitations would affect someone’s ability to perform their regular occupation. That was the lesson taught in Sapp […]

Overcoming the fibromyalgia stigma

If you or a loved one has fibromyalgia, you’re probably familiar with how often it is misunderstood and misdiagnosed. Unfortunately, this misunderstanding can often lead to inadequate treatment and denial of disability insurance claims. As medical understanding is improving, widespread discrediting of fibromyalgia symptoms may be waning. Those living with the syndrome in the meantime, […]

Does a co-morbid psychiatric impairment allow a disability insurer to invoke a policy limitation limiting the duration of benefit payments for psychiatric conditions?

The lesson taught by Okuno v. Reliance Standard Life Ins. Co., 2016 WL 4655741 (6th Cir. September 7, 2016), is that the answer to the question posed by the title of this blog is a resounding NO. The case involved a former art director for a clothing company who became disabled on account of Crohn’s […]