Anyone who has multiple sclerosis (MS) or knows anyone who has, knows how tragic and debilitating the illness can be. Although MS is a well-documented degenerative disease that causes loss of motion control and renders people almost completely helpless physically over...
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...
You may have an employment benefit that your employer provided, which was subject to ERISA. Perhaps it is a disability benefit, a life insurance or accidental death benefit, medical insurance benefits or a pension or 401(k) benefit – any ERISA benefit plan. You...
If you have suffered a significant injury or lost a loved one as a result of an accident, you have every right to exect that your insurance will provide the coverage promised in your policy. When this doesn’t happen, the situation is frustrating. There is a lack of...
When you’re grieving the loss of a loved one, a denied life insurance claim is the last thing you want to deal with. Unfortunately, insurance providers reject claims all of the time. It’s important to understand why this happens and what steps you can take to...
If you are one of the millions of Americans who suffer from sleep apnea, you know that the condition involves more than the occasional restless night. Fatigue, an inability to focus, headaches, and irritability are just some of the immediate effects you might notice...
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...
When a physical or mental condition leaves you unable to work, you would expect to receive long-term disability benefits under your employer’s insurance policy. However, the denial of valid claims occurs all of the time. The good news is an initial denial is not the...
We expect to see two types of COVID-19 Coronavirus disability type disputed claims. First, we expect to see disability insurers disputing or denying claims of insureds who are disabled not because they have COVID-19 Coronavirus, but because they are afraid they will...
The Hartford may have been careless and negligent in evaluating your claim for disability benefits because it was careless and negligent in hiring people to work for it. Shockingly, The Hartford has a record of hiring convicted felons as employees and medical...
