If you suffer a serious injury, or a loved one dies because of a tragic accident, you may feel overwhelmed by what happened. At some point, you realize that long ago, you or your loved one signed up for accidental death and dismemberment (AD&D) coverage at work....
Pandemic complicates things for many LTD claimants
Suffice it to say that COVID-19 has upended lives across the planet. It has interacted in truly pernicious ways with millions of individuals and families spanning the United States. The Los Angeles Times notes in a recent article one particular demographic that has...
Considerations when litigating your disability claim
It can be devastating to be denied disability benefits that you have received through your employer and that you desperately need. Maybe you have decided to hire an attorney and bring a claim against your insurance company for ERISA violations. ERISA suits can be more...
Diabetes and your long-term disability claim
In the past few decades, Americans have become more aware than ever about the prevalence and seriousness of diabetes. According to the American Diabetes Association (ADA), more than 34 million Americans had diabetes in 2020, with more than seven million undiagnosed...
Does Crohn’s disease qualify as a disabling long-term condition?
A two-part response reasonably emerges to the above-posed headline query leading off today’s blog post. For starters, Crohn’s’ disease is a condition that is unquestionably debilitating for many people who suffer from it. There is no cure for the Crohn's disease, and...
Insurers’ LTD denial strategies: here’s a notable one
The play book is thick and rich with possibilities when it comes to insurers’ strategies for delaying, denying or terminating disability claims. Insurance companies make money and achieve productivity goals not by paying out on claims, but, rather, by minimizing or...
Cognitive impairments covered by LTD: What does that include?
When impairments are not visible, it can be much easier for insurance companies to deny claimants the disability benefits they deserve. That is one of the reasons why it can be a challenge for claimants to obtain disability benefits for mental health conditions that...
Lupus and disability insurer resistance: fighting back
We have commented in past ERISA Law Center blogs that disability claims often encounter an arduous vetting process. Moreover, it is far from a rarity for claimants to suffer delays, and denials of their application for disability benefits to which they are clearly...
Living with CRPS can be painful and exhausting
Life on its own can carry many struggles, and many of those struggles get exacerbated when a disability enters the picture. One such disability that has the potential to upend a life is Complex Regional Pain Syndrome. Known as CRPS, this condition can stem from a...
Living with epilepsy should never feature an insurance challenge
Insurance company doctors and representatives are sometimes inclined to dismiss the severity of symptoms that mark one especially notable neurological disorder. That is epilepsy, a malady that few other people with insight into the condition’s symptoms and...