fbpx

Why Isn’t My Insurance Company Sending Me for an Independent Medical Exam?

Posted January 20, 2022

When you file a short or long-term disability claim, your insurance company may send you to an independent medical exam. Even though you have already submitted documentation from your doctor documenting your disability, the insurance company may want their own medical exam. Except sometimes, they don’t and that can be concerning. Are they going to […]

Click Here to Read More

Do I pay taxes on disability benefits?

Posted June 17, 2021

It can be somewhat confusing for most people to determine whether their long-term disability insurance benefits are taxable. Disability benefits may or may not be taxable depending on who made the premium payments and whether those payments are deductible. Social Security disability insurance (SDDI) benefits may be taxable; the IRS provides further explanation of when […]

Click Here to Read More

Partial Disability vs Total Disability: What’s The Difference?

Posted

Did you suffer a disability? Are you unable to work in any capacity, or can you work in some occupations—just not in the same profession as before the onset of your disability? For most insurance companies, whether you qualify as partially or totally disabled is determined by the specific language in the policy. Your level […]

Click Here to Read More

Disabled by Depression: Tips for Filing an Individual or Group Long-Term Disability Claim

Posted

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 […]

Click Here to Read More

Virtual Doctor’s Visits Are Now Becoming the Norm

Posted April 15, 2020

Google and the Internet are making it easier for healthcare consumers to access virtual medical options, which is crucial at a time when shelter in place orders are keeping hundreds of millions of people indoors. Searches and maps have been made available by Google which is also working to help doctors get up to speed […]

Click Here to Read More

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 […]

Click Here to Read More

The Role of Overused and Insurance-Biased Doctors in Individual and Group Long-Term Disability Claims

Posted March 22, 2018

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, […]

Click Here to Read More

Glossary of Disability Insurance Terms: What They Really Mean for You

Posted March 20, 2018

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 […]

Click Here to Read More

Individual and Group Disability Insurance Definitions: The Layperson v. The Legal Terms

Posted March 15, 2018

Individual and Group Disability Insurance Definitions: The Layperson v. The Legal Terms Helping Beneficiaries Understand Their Confusing Individual and Group Disability Insurance Policies What comes to mind when you think of the term disability? Do you see someone in a wheelchair, with a guide dog, or walking with an aid? Webster’s defines “disability” as “a […]

Click Here to Read More

Settlement reached in California vs. Anthem Blue Cross

Posted October 16, 2017

A settlement was reached in a California insurance lawsuit filed against Anthem Blue Cross, the Los Angeles City Attorney announced, alleging the insurance company illegally canceled coverage for more than 6,000 policyholders, denying them their individual disability claims and individual disability insurance policies. The lawsuit was filed in 2008 and initially sought more than $1 […]

Click Here to Read More

DarrasLaw is Americas' most honored and decorated disability litigation firm in the country. Mr. Darras has seen more, evaluated more, litigated more, and resolved more individual and group long term disability and long-term care cases than any other lawyer in the United States.

Request a Free, Confidential Case Review.
Skip to content