Do you know what your employer-provided long-term disability insurance policy says about self-reported symptoms? Some policies carve out exceptions for symptoms that only the patient can detect. In other words, if objective medical tests such as MRIs or CAT scans...
Anyone who has had to file a claim for long term disability benefits knows how difficult and demanding the application process can be. The application process requires extensive medical and some financial details that are not easy to gather, and the process requires...
Most people know what it feels like to be tired. Lack of sleep, a busy week or two, and excessive stress are common experiences that make tiredness almost universal in our country. However, this common experience of being tired is not even close to the magnitude...
There are few things as terrifying as sustaining a traumatic brain injury (TBI). The human brain is a very complex organ, and medical professionals do not know everything there is to know about it. Thus, it can be impossible to accurately predict exactly what the...
Unum Life Insurance Company of America is one of the largest group disability insurance companies in the country. Unum has a long and well documented record of fraudulent, unfair, and bad faith claims practices. It appears to us that Unum has another unfair, bad...
Hartford Life and Accident Insurance Company acquired Aetna’s group long term disability business a few years ago. At that time, there were many persons receiving long term disability benefits from Aetna who had received such benefits for many, many years. Those...
ERISA – the Employee Retirement Income Security Act of 1974 – regulates most employee group benefits. But there are exceptions. The biggest exception is that public employer plans are not subject to ERISA. So, if you are a public employee, your group benefit plan...