A common misconception among disability claimants is that you must apply for and receive short-term disability benefits to be eligible for long-term disability benefits. That seems logical but rarely is it true in practice. Most short-term and long-term disability plans are administered according to separate plan documents, and those plan […]
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 […]
When an employee needs to be absent from work for more than a brief period, there are two resources they can turn to protect their employment as well as their income – Short-Term Disability (STD) and Family and Medical […]
By definition, anyone who applies for short-term and long-term disability benefits is in a vulnerable situation. They are sick or injured and unable to work. And they are counting on their disability benefits to help meet their financial needs. Undeniably, it is unbearably hard to fight a debilitating illness or injury and battle with their insurance company at the same time […]
Deciding disability benefit cases can be challenging for federal courts, but in Dwyer v. Unum Life Ins. Co. of Am., 2021 WL 2853250 (E.D. Pa. July 8), a federal judge in Pennsylvania was able to cut through the confusion and issue a decisive ruling in favor of the plaintiff […]
The COVID-19 pandemic which began in early 2020 has caused over 500,000 deaths in the United States by March 2021, along with over 28 million cases of infection. For most individuals who have contracted COVID-19, the symptoms they have experienced have been relatively mild, but a huge number of COVID patients have required […]