Collecting long-term disability insurance benefits presents challenges you may not have expected. Many assume that their disability benefits provider will pay out when you have a documented disease. Unfortunately, many also find out that the insurance company holding their individual or group disability policy does not want to pay out benefits when the policyholder needs […]
Millions of Americans suffer from migraine headaches. Some people get them only occasionally, while others suffer from frequent, chronic migraines that significantly diminish their ability to reliably perform the important duties of their occupations. As a result, those who suffer from chronic disabling migraine headaches may try to qualify for individual or group long-term disability […]
Migraine headaches can be a real problem for many Americans, and these painful headaches can become so unbearable that sufferers are unable to reliably work. Despite their incapacitating limitations, headache disability claims are often fraught with claim hurdles. Here are some facts and tips to consider before filing an individual or group long-term disability insurance […]
Experienced Bad Faith Insurance Lawyers Serving New York City New York is arguably the most famous city on the planet, known for its countless landmarks, bustling culture, and unique urban atmosphere. Our New York City Insurance bad faith lawyer understands the complexities when dealing with insurance companies. Unfortunately, disability is as much of a problem […]
Objective evidence is based on unbiased, quantifiable, and independently confirmed factual evidence. Subjective evidence is based on opinion and self-reporting. When suffering a disability and looking to file a short or long-term disability claim, your insurance company may want to see more objective evidence than subjective information. People ask, is that the only way to […]
One of the most confusing aspects of individual disability insurance policies is the distinction between total disability and residual disability. Total disability is typically defined as being unable to perform the substantial and material duties of your occupation at the onset of your claim. A residual disability, also known as a partial disability, is typically […]
The Advantages Of Hiring A Disability Attorney Or ERISA Lawyer There are many advantages to hiring an experienced national attorney that exclusively handles disability insurance and ERISA law. If you’re preparing to buy or sign up for a group disability policy… Don’t count on your HR department or benefits administrator to answer detailed or specific […]
If you suffer a disabling injury or illness that requires treatment and appropriate medical care for a short period of time (typically 12 months or less), short-term disability (STD) insurance benefits can provide you with income replacement. Your short-term disability income replacement benefits are based on your monthly income, along with a predetermined percentage of […]
A common thread among individual and group disability insurance policies, particularly for private insurers, is the explicit or implicit requirement of physicality for disability claim approvals. Sometimes, this requirement is made explicit by the policy’s language, which may categorically exclude mental disorders and conditions. Other times, this need to list a physical illness or injury […]
Your Feelings and Pain Are Important for Your Group Long-Term Disability Claim A long-term disability (LTD) from an accident or illness can completely disrupt your life and reak financial havok on you and your loved ones. The symptoms of LTD vary widely, and can produce a host of restrictions and limitations. Hopefully, if you incur […]