Once an individual qualifies to receive disability insurance benefits, they are expected to regularly update the insurance company on their condition by completing reports and by providing ongoing certification of their disability by one or more of their treating doctors. […]
After making the difficult decision to cease working due to significant medical impairments, you decided to submit a claim for long-term disability (“LTD”) benefits through your employer-sponsored disability insurer. However, your insurer sent you a letter indicating that it has denied your application […]
Despite the admonition in the Federal Rules of Civil Procedure that there is only one form of civil action and that the rules apply to all civil actions,[1] Employee Retirement Income Security Act litigation is mostly conducted in a unique manner that dramatically departs from ordinary federal civil procedure. […]
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 […]
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 […]
If your employer-sponsored long-term disability benefits have been denied, your first instinct may be to appeal right away, potentially without a lawyer, in the hopes that your benefits will be reinstated as quickly as possible. Your disability plan administrator may even try to deceive you into thinking it’s easy, by encouraging you to submit […]