If you are facing a long-term disability claim denial in California, you know how frustrating it is to go through that. However, there is additional knowledge you should have and resources you should consider. First, let’s go over what an appeal is. Simply put, if the...
What is a claw hand (ulnar nerve palsy)?
One type of disability that affects the hands is ulnar nerve palsy. This is nerve damage that causes someone to involuntarily bend or curve their fingers. These hooked fingers remind people of a claw, so this disorder is sometimes referred to as “claw hand.” In some...
What should you know about long-term disability appeals?
Workers in private industries benefit from the protections of the Employee Retirement Income Security Act (ERISA). This federal law sets specific standards for various aspects of health plans and pension plans. When it comes to long-term disability (LTD) benefits,...
What if an ERISA benefits appeal isn’t successful?
The Employee Retirement Income Security Act of 1974 (ERISA) governs more than just employer-sponsored retirement benefits. The law also applies to other key forms of benefits provided by businesses for employees. If a worker's employment benefits package includes...
Testing can help provide evidence for an ERISA appeal
Someone who has filed a claim for long-term disability insurance likely expects a simple claims process. However, sometimes people who cannot work because of medical issues have a hard time getting the benefits they need. Even when someone has disability coverage...
Long-term disability for back pain
Long-term disability (LTD) insurance is a crucial safety net for individuals who suffer from debilitating conditions that prevent them from working for extended periods of time. LTD insurance typically provides a portion of an individual’s income when they can’t work...
Denial of LTD claims: what to do when evidence falls short
When you are facing health challenges and need long-term disability benefits, the last thing you want is to find out that there is not enough medical evidence to support your claim. When this happens, it is important to remain calm and remember that there are things...
4 tips for handling an IME for your long-term disability claim
Maybe your insurer doesn’t think you’ve been compliant enough with treatment – or maybe they have doubts about the severity of your condition. Whatever the case, they’ve scheduled you for an independent medical examination (IME) with a doctor you’ve never met. Since a...
A disability claim denial may result from a violation of fiduciary duty
Insurance companies that provide disability coverage can lose a lot of money when approving claims. If someone cannot work due to a short-term or long-term disability, the benefits they require could add up to thousands of dollars. Therefore, insurance companies are...
3 things applicants need to know about ERISA appeals
For decades now, the Employee Retirement Income Security Act of 1974 (ERISA) has provided key protections for employees who receive certain types of workplace benefits. By regulating retirement and pension benefits, as well as certain kinds of specialty insurance...