Disability claims are often denied, but you don’t have to give up. There are steps you can take following a denial of benefits. Many of us will, at some point in our lives, suffer an illness or injury that necessitates being out of work. We may need to recuperate from a sudden illness that left […]
Obtaining disability insurance is tricky. If you are purchasing coverage to supplement employer-supplied insurance or seeking insurance because you have no other coverage, there are a lot of variables to consider. It’s a sad fact, but many Americans give little thought to disability insurance coverage until it is needed. Understanding the following information will strengthen […]
Issues regarding pre-existing condition exclusions continue to raise concerns in litigation over disability benefits. The principal question raised is whether insurers may use hindsight to establish that any doctor visit prior to the commencement of coverage for symptoms that could possibly be related to the later diagnosed disabling impairment would be sufficient to trigger the […]
If your long-term disability claim has been denied, you should not take “no” as the insurance company’s final answer. In most circumstances, you have the right to submit an appeal challenging the benefit denial; and if the appeal is unsuccessful, a wrongfully denied claim may be litigated in court. What most people don’t realize, though, […]
The rationale behind the purchase of disability insurance is to provide an economic safeguard against unforeseen sickness or accidental injury. When misfortune occurs, economic hardship results. And if benefits are denied without justification, the premiums invested in insurance coverage appear worthless. All is not lost, though, because there are ways to fight back. Step 1: […]
DeBofsky, Sherman & Casciari recently won a victory in the U.S. Court of Appeals for the Seventh Circuit in a case entitled Lacko v. United of Omaha Life Ins. Co., 2019 WL 2439786 (7th Cir. June 12, 2019). The plaintiff, Shirley Lacko, stopped working as a senior auditing manager for an accounting firm when the effects of […]