Category: Blog

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 […]

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 […]

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 […]

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 […]

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 […]

The National Institute on Drug Abuse reports that almost two-million Americans suffer from an opioid-related disorder. In fact, 25 percent of patients with legally prescribed opioid pain medications may misuse them, and about 10 percent of those patients develop addictions. Many opioid users don’t know that these medications do more than relieve pain. Opioids such […]

Do you ever wonder how insurance companies make money? After all, the average cost of a long-term individual disability policy is only about $500 per year. However, if you qualify for individual or group long-term disability benefits, you might receive about 60 percent of your monthly income during your long-term disability eligibility period. The average […]

Are you a veteran preparing to file a claim for long-term individual or group disability insurance benefits? Were your disability insurance benefits wrongfully delayed, denied, or terminated? Contact the award-winning long-term individual disability lawyers and accomplished group ERISA attorneys at DarrasLaw today. If you’re a veteran, you shouldn’t file a claim for long-term disability insurance […]

So, you filed a valid claim for individual or group long-term disability insurance benefits. During the disability claim process, you provided documentation from multiple doctors, hospitals, and pharmacies describing the nature of your injury or illness, all of your restrictions and limitations, plus pharmacy records, physical therapist or mental health counselor evaluations, and more. Unfortunately, […]

Private, for-profit corporations generally deliver individual and group long-term disability insurance benefits. Thus, every disability insurance policy contract is ultimately designed to protect the issuing disability insurance company’s bottom line. Essential disability benefits are the same under most individual or group long-term disability insurance plans—that is, you should receive income-replacement payments if you are sick […]