Filing a claim under your employer’s long-term disability insurance plan can be a complicated and exhausting task. That’s especially true when an illness or injury renders you unable to earn a living. Combining lost income, mounting medical bills and day-to-day living...
Individuals with disabilities should qualify for benefits if their employer’s long-term disability plan covers their condition. Some severe injuries or illnesses cause permanent disabilities leaving no doubt a person can no longer perform their job duties. Other...
You’ve worked extremely hard for years to provide for your family, but a long-term illness or injury now prevents you from performing your job duties. The physical symptoms lead to emotional and financial distress over lost income and making ends meet. If an...
According to the Centers for Disease Control and Prevention (CDC), 22 million U.S. workers are exposed to hazardous noise levels each year. Hearing loss ranks third in chronic conditions after high blood pressure and arthritis. The CDC says occupational hearing loss...
As chronic mental health disorders gain more legitimacy, people who suffer from especially crippling conditions are applying for long-term disability in greater numbers. The insurance industry often lags behind medical opinion but filing a successful long-term mental...
The popularity of social media has been a gift to insurance companies. Now, they can gather enough detail to deny your disability claim in just ten minutes of scrolling instead of a week or more of surveillance. Even one innocuous social media post can be ammunition...
In the latest reminder that you should pursue questionably large medical bills, a group of patients and doctors have filed a proposed class-action lawsuit against Cigna, alleging underpayments of patient claims. The suit, led by the Litigation Center of the American...
A denial of long-term disability benefits can be a convoluted nightmare. But there is one part of this nightmare that you should approach with the mental clarity necessary to obtain your benefits: The appeal letter. Writing an effective letter of appeal is like...
The news stunned you. Your employer’s insurance company denied your application for long-term disability benefits. You counted on those payments to help you through this medical condition, allowing you to pay your medical bills and support your family. Now, you must...
It's understandable to think that insurance companies sending people to follow you while considering your ERISA claim only happens on TV dramas. In fact, it is surprisingly common. What kind of surveillance can they do? With today’s technology, surveilling people is...
