Disability Insurance

What Is Lloyd’s of London Disability Insurance?

by Mark Debofsky | Feb 7, 2025 | Disability Insurance

Athletes and entertainers often seek protection against career-ending injuries or illnesses. Similarly, high earners frequently turn to Lloyd’s of London disability insurance to supplement their existing coverage. Lloyd’s caters to high-income professionals requiring supplemental or specialty coverage. However, Lloyd’s disability coverage differs significantly from products offered by major insurers like Unum, MassMutual, and Guardian. Understanding the unique challenges […]

Is Idiopathic Hypersomnia a Disabling Condition?

by Matthew Maloney | Jan 28, 2025 | Disability Insurance, Medical Conditions

Idiopathic hypersomnia (IH) is a chronic neurological sleep disorders characterized by excessive daytime sleepiness, unrefreshing sleep, and cognitive difficulties. While it is often misunderstood and not always recognized as a disabling condition, its severe symptoms can significantly impair a person’s ability to work and perform daily activities. […]

What Are Non-Exertional Limitations in a Disability Insurance Claim?

by DeBofsky | Jan 18, 2025 | Disability Insurance

When filing a disability insurance claim, many people focus on physical limitations such as difficulty lifting, walking, or standing. But other impairments, like cognitive, emotional, or sensory challenges, can also prevent someone from working. These are called non-exertional limitations. Non-exertional limitations refer to restrictions that affect a person’s ability to work in ways unrelated to […]

Court Offers Guide to Weighing Doctors’ Views in Disability Cases

by Mark Debofsky | Dec 19, 2024 | Disability Insurance, Employee Benefits

Courts face a challenging task when deciding disability benefit cases. That task is even harder with disability benefit cases brought under the ERISA law (Employee Retirement Income Security Act — 29 U.S.C. Sec. 1001, et seq.) where trials are rare. […]

ERISA Ruling Is a Win For DOL Regulatory Authority

by Mark Debofsky | Dec 5, 2024 | Disability Benefits, Disability Claim, Disability Insurance, ERISA

During its most recent term, the U.S. Supreme Court overturned a 40-year-old precedent that guided courts in addressing administrative agency interpretations of the laws they regulate. In Chevron U.S.A. Inc. v. Natural Resources Defense Council Inc.,[1] the Supreme Court ruled in 1984 […]

6th Circ. Ruling Prevents Disability Insurer Overreach

by Mark Debofsky | Nov 25, 2024 | Disability Insurance, ERISA, Mental Health

Most disability insurance policies distinguish between disabilities that are due to medical conditions and those that result from behavioral health disorders. For the latter category, benefit payments are typically limited to a maximum of 24 months, while payments for disabilities resulting from medical conditions can continue until the claimant reaches Social Security retirement age. […]