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Chronic Pain, Your Doctor, and Your Disability Insurance Company

Posted June 14, 2018

According to the National Institutes of Health, more than 11 percent of Americans experience chronic pain. To put it another way, 25.3 million adults have suffered pain every day for the past three months. These numbers provide a startling reminder of how many people suffer from chronic pain every day. In some cases, the pain […]

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How DarrasLaw Can Help Bulletproof Your Individual or Group Long-Term Disability Insurance Claim

Posted June 12, 2018

Disability is a source of anxiety for many families. Even if it’s only a short-term disability, severe consequences can result if a sickness or accident prevents you from earning a living. On top of the loss of income, you may lose the ability to care for those people who depend on you, your job, or […]

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Common Baseball Injuries and Loss of Value Insurance

Posted June 7, 2018

Common Baseball Injuries and Loss of Value Insurance Baseball season is winding down, but elite high school and college baseball players are still working toward their future. This means more than just offseason workouts—if you expect a professional team to draft you, you need to prepare for and protect your future. It’s not just a […]

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Migraines and Long-Term Disability

Posted June 5, 2018

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 […]

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Lyme Disease Is a Mental Illness? Your Disability Insurer May Think So

Posted May 10, 2018

Helping Those Suffering from Lyme Disease Get the Disability Benefits They Deserve With the arrival of summer, most of the nation knows it’s time to break out the bug spray. Lyme disease has become a serious medical concern around the country with devastating long term problems. It’s even reported that disease-carrying ticks are appearing in […]

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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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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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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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“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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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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