Receipt of disability benefits raises several tax issues. The resolution of such matters concerning disability benefits is often unclear and can sometimes be highly complex. For that reason, this blog is not intended to be an exhaustive discussion of the potential issues […]
If you suffer from a severe illness or have an injury that interferes with your ability to work, you may need disability benefits. Whether you are applying for short-term disability (STD), long-term disability (LTD), or individual disability insurance (IDI) benefits, it is critical that your doctor(s) complete specific paperwork to support your claim. […]
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. […]
Group disability insurance offers financial protection by providing income replacement in the event of an individual’s inability to work due to illness or injury. […]
There are many reasons a disability claim may be denied, and no two cases are identical. However, the following are some common reasons that disability claims are denied, based on our experience […]
When Matt Maloney tells the story of the woman who lost complete use of her arm, his voice still carries the same disbelief he felt nearly a decade ago as a young law clerk. The insurer’s response to her disability claim was as cold as it was absurd: she could still work. Just use her other arm. […]
Long COVID is not going away, and for more than a million Americans who still cannot work because of it, neither is the struggle to get the disability benefits they are owed. These are people with real symptoms, real limitations, and very real financial pressure, yet insurers continue to deny claims, pointing to a so-called […]