When your long-term disability claim gets denied, the insurer sends a letter citing policy language, medical opinions, and procedural terms you’ve never heard of. What they don’t tell you is what matters most. Behind every denial is a person whose life just became exponentially harder. […]
Qualifying for group long-term disability (LTD) insurance benefits often means that Social Security Disability Insurance (SSDI) is also approved. Disability insurers typically request LTD beneficiaries to apply for SSDI benefits and will usually provide claimants with assistance. […]
Many high-income professionals purchase disability insurance coverage believing it will automatically protect them if they become unable to work. […]
Your cardiologist who has treated you for years says you cannot work. The insurance company hires a doctor who spends limited time reviewing your file. This reviewer never examines you yet overrides your doctor. As a result, your disability benefit claim is denied. This happens thousands of times daily across the country, leaving disabled individuals without the benefits they paid for and desperately need. […]
Marie E. Casciari of DeBofsky Law will present as a panelist at the American Bar Association’s Section of Labor and Employment Law, Employee Benefits Committee, Midwinter Meeting in Austin, Texas.
[…]
If your disability claim was denied because the insurer labeled you as a generic “lawyer” instead of a trial attorney or called you a “physician” when you are a surgeon, your occupation may have been misclassified and can lead to an unjustified benefit denial. […]