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Why Was Your Short-Term or Long-Term Disability Claim Denied?

Posted June 25, 2020

Countless workers have experienced the frustration of submitting a claim for short-term or long-term disability benefits through their employer-sponsored disability insurance plan, only to have their legitimate claims denied. Group disability insurance is supposed to be there when injured or sick workers need it most. Being told “no” by an insurance company feels like a […]

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Effective Long-Term Group Disability Appeals

Posted June 9, 2020

Workers who have applied for group long-term disability benefits under an employer-sponsored insurance plan do not have to take no for an answer. They have important legal rights including filing a timely, comprehensive administrative appeal with their insurer after a bad-faith claim denial, and after that, a federal ERISA lawsuit to collect their disability benefits. […]

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5 Tips for Filing Disability Insurance Claims

Posted March 23, 2020

Filing a disability insurance claim is significantly different from other types of injury claims. It is a request for income assistance when a mental or physical injury or sickness prevents you from resuming your normal occupation or finding work. The following is a short list of tips DarrasLaw tells our clients as they prepare to […]

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What Chiropractors Should Know About Individual and Long-Term Disability Policies

Posted March 11, 2020

Back injuries are one of the most common types of ailments happening in the workplace. People who work in warehouses, people who work in retail shops and even people sitting at a desk all day can have difficulty and trouble with their backs. Lumbar issues are so prevalent that the cost for treatment and surgery […]

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The Top 10 Large-Group Short-Term Disability Insurance Companies

Posted July 26, 2018

A common benefit offered by many employers—group short-term disability insurance—is an affordable way for employees to protect their incomes in the event of partial or total disability. Generally speaking, short-term disability insurance will cover about 60 percent of your income, and it usually kicks in to provide coverage within 14 days. Short-term disability coverage will […]

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Long-Term Disability Insurance Buyouts: What You Need to Know

Posted July 5, 2018

If you have a long-term disability, your individual or group long-term disability insurance policy provides you with a monthly income that covers your lost income as a result of your inability to reliably perform the important duties of your occupation. For most families, this constitutes a lifeline and provides a great deal of financial security […]

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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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