Disability Attorney

Disabled in the National Economy versus Disabled From Your Actual Job: Why Does it Matter?

Posted May 8, 2018

Individual or group long-term disability (LTD) insurance is designed to protect a portion of your income, as defined in your policy, if you suffer an injury or illness that leaves you unable to work. If you are self-employed or an independent contractor, you may have an individual long-term disability policy that you purchased from an […]

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Group Disability Attorney

The Hartford Bought Aetna’s Group Disability Business

Posted May 3, 2018

What Does This Mean for Your Valid Group Disability Claim? Competition between private businesses theoretically drives better services as companies vie for your business. Aetna and The Hartford were two such corporations. They specialize in insurance, including long-term disability insurance, and were major competitors in the industry. In late 2017, The Hartford bought Aetna’s group […]

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Heart Disease Disability Attorney

Risk of Relapse versus Relapse Anxiety: When Can You Get Individual or Group Long-Term Disability Benefits After A Heart Attack?

Posted May 1, 2018

Helping Our Clients With Heart Disease and Claim Issues Heart failure, whether due to coronary artery disease, mitral valve prolapse, or a congenital heart defect, may leave your heart weaker than before. A heart attack typically blocks the heart’s blood supply, resulting in heart damage. The longer a heart attack blocks your heart’s blood supply, […]

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Disability Fraud Attorney

Disability Insurance Fraud: Prevention and Penalties

Posted April 26, 2018

Have you ever known someone who’s receiving long-term individual or group disability benefits but seems unusually healthy? They claim they can’t work their desk jobs, but they just got back from a week at Walt Disney World. Sometimes, the disability is real. For example, they may appear physically healthy but suffer from a mental, emotional […]

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Spinal Herniation Attorney

“Normal Age-Related Findings” versus Spinal Herniation: A Common Disability Litigation Fight

Posted April 24, 2018

Helping Claimants Recognize Disability Insurers’ Tricks Can you guess what the most common disabling condition in the United States is? That’s right, musculoskeletal disabilities, including arthritis, back pain, and spinal degeneration. Almost 40 percent of the population suffers from some type of musculoskeletal injury. While these injuries don’t always disable the people they strike, they […]

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LOV Insurance Attorneys

Loss of Value Insurance and Your Division I Athletes: What Colleges and Universities Need to Know

Posted April 19, 2018

Loss of Value (LoV) insurance is a little-known type of disability insurance designed to protect the future of elite, first-, second- or third-round draft picks. LoV specifically covers a student-athlete’s anticipated rookie contract value. Universities can arrange for the player or his family to purchase LoV insurance policies, which may kick in to supplement that […]

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CTE Long Term Disability Lawyer

Remembering Rob Kelly: CTE as a Long-Term Disability

Posted April 17, 2018

We Help Disability Claimants Suffering From Traumatic Brain Injuries As the school year approaches, children are preparing for fall sports. For years, football was a staple of late summer fun. Whether it was varsity training camp or flag football, many kids have played football since elementary school. Rob Kelly was one such kid. This former […]

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Darras Law Disability Attorneys

Disability Benefits Are in Doubt for Some Kentucky Residents

Posted April 12, 2018

Not every attorney is equipped to effectively litigate individual or group disability insurance cases. In fact, some attorneys shouldn’t practice law at all. Case in point: the ongoing investigation in Kentucky involving an attorney who made millions by bribing doctors and judges to approve and/or support his clients disability claims. According to news reports, a […]

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ERISA Attorneys

ERISA FAQ: What Is the “Final Rule,” and How Does It Affect Your Valid Claim for Disability Benefits?

Posted April 10, 2018

The Employee Retirement Income Security Act of 1974 (ERISA) created an administrative appeal that people with group or employer-sponsored disability insurance policies generally had to exhaust before taking their valid claims to federal court. The administrative appeal was designed to give group or employer-sponsored disability insurers a second chance to review a bad-faith denial, thus […]

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