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...
Has an insurer’s “sedentary job” claim impacted your LTD benefits?
It is certainly no surprise that insurers routinely play hard ball with disability applicants and parties already receiving disability benefits. Candidly, legions of individuals and families can readily attest from painful personal experience to insurance tactics...
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...
Well-recognized, sometimes disputed: myofascial pain syndrome
Insurance companies routinely look for ways to delay or deny long-term disability claims or to terminate existing benefits. We underscore that at the established national disability legal offices of the ERISA Law Center. We stress on our website that, “There are 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...
Bankruptcy and disability benefits: questions and answers
Is long-term disability ever a factor in bankruptcy considerations and outcomes? Indeed, it is, which is a point we explicitly note at the national ERISA Law Center’s disability legal offices. We stress on the firm’s website that, “Loss of income and high medical...
LTD coverage: a workplace benefit of key importance
You have likely noticed, if you watch television. the current non-stop streaming of commercials focused on year-end insurance benefits. Millions of Americans pay attention to those ads, especially if they relate to coverage of various matters not tied to...