Life insurance policyholders sometimes have mixed emotions when they think about the financial safeguards they have put into place for loved ones. On the one hand, contemplating those protections promotes a feeling of security and empowerment regarding the future. On...
How to stay healthy when dealing with a long term disability claim
Going through the process of obtaining long term disability benefits, can be a very stressful time. If you were denied, are in a wait state after submitting an application or during an appeal it can be hard on your mental health and spirit. You can experience...
Benefits of symptom documentation for your long term disability claim
The long term disability claim process can be long and complicated, especially with a medical condition that builds over time, such as carpal tunnel syndrome or arthritis. There will likely be questions from the insurer about when symptoms started and how severe they...
ERISA LTD coverage: an invaluable safety net
A recent Forbes article candidly addresses the ongoing health pandemic and its unprecedented impact on individuals and families across the United States and globally. It duly notes that “if this year has taught us anything, it is that we are more vulnerable than we...
Is LTD claim denial a common occurrence?
Insurance companies can be a mixed blessing. In fact, legions of claimants across the country view them as akin to a double-edged sword. Here’s why: Sometimes they perform, and sometimes they intentionally respond to claims designed to delay or deny the claim...
Bipolar disorder a lifelong condition, but treatable
It has been described as a roller coaster ride. Its vacillating highs and lows have been depicted as contrasting episodes marked by euphoric upsides and sometimes overwhelming hopelessness. In fact, bipolar disorder is a serious medical condition that affects people...
Depression: often a target for insurers’ blowback
Depression is often a long-term and debilitating condition of life-altering proportions. As such, it is far from a trivial challenge for the legions of individuals across the country suffering from depression. We note on our website at the disability law office of...
Spotlighting the ERISA administrative appeal process
We noted in a recent ERISA Law Center blog post an individual’s understandable urge to immediately take an insurer to court following a denial or termination of disability benefits. Doing so would seem to be “a natural course of action.” Yet, it would be advisable to...
Considerations re litigating a denied disability claim
A perfectly just and logical world would mandate that insurance companies routinely uphold their part of the bargain in long-term disability matters. That is, the actions of an insurer (e.g., timely paying premiums and providing honest information in policy...
Win Against Metlife & Verizon Plan
We successfully represented Kathleen Boxell in her claim for LTD benefits. Boxell suffers from fibromyalgia and related conditions. Her plan, which is self-insured, is administered by Metropolitan Life Insurance Company ("MetLife"). In Boxell v. The Plan for Group...