If you have Lyme disease, you know how difficult the symptoms can be. Although you might look normal and healthy to the people around you, you are probably dealing with serious, debilitating symptoms. When Lyme disease symptoms continue to get worse, many victims of...
Irritable bowel syndrome (IBS) is a challenging and potentially embarrassing ailment for many sufferers. What’s worse, IBS can be debilitating, making it virtually impossible to stay at a desk or a job site for any length of time. For sufferers of serious IBS, it is...
Many people whose accidental death and dismemberment (AD&D) have been denied feel that they are out of options. You filed for your benefits, the petition was denied, and the insurance company has all the power and resources, so it seems that there is nothing you...
Obtaining long-term disability benefits from employer-provided insurance policies is rarely easy. Except for cases involving the most obvious, easily proven disabilities, obtaining long term disability benefits presents profound challenges (and even those cases can be...
Facing a disability that prevents or limits your ability to work can be challenging and stressful. In addition to adapting to life with a disability, you also need to make ends meet. When you receive a denial on your long-term disability claim, it can threaten your...
[updated 2/16/2022] A career-ending long-term disability (LTD) can be among the most devastating events in life. It doesn’t help when you’re denied the disability insurance payments you are owed. You, like most people, may like to share your life online. Social...
Do you know what your employer-provided long-term disability insurance policy says about self-reported symptoms? Some policies carve out exceptions for symptoms that only the patient can detect. In other words, if objective medical tests such as MRIs or CAT scans...
Most people know what it feels like to be tired. Lack of sleep, a busy week or two, and excessive stress are common experiences that make tiredness almost universal in our country. However, this common experience of being tired is not even close to the magnitude...
There are few things as terrifying as sustaining a traumatic brain injury (TBI). The human brain is a very complex organ, and medical professionals do not know everything there is to know about it. Thus, it can be impossible to accurately predict exactly what the...
Unum Life Insurance Company of America is one of the largest group disability insurance companies in the country. Unum has a long and well documented record of fraudulent, unfair, and bad faith claims practices. It appears to us that Unum has another unfair, bad...
