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...
Current health pandemic puts a spotlight on LTD policies, protections
“For those that get very sick,” stresses an in-depth article on Covid-19 and its often disabling (when not deadly) impact on victims, “two weeks of paid sick leave is not enough.” In fact, underscores the national publication Business Journals, that amount of...
Osteoarthritis: No, it’s not a benign condition
Do you have problems bending over or reaching down to retrieve an object or tie your shoes these days? Is it a chore – candidly, a serious challenge – to do things like comb your hair, brush your teeth, turn your neck while driving, play with the dog or engage in many...
Stroke: a long-term disability sometimes challenged by long term disability insurers
It can happen in a flash. One minute you feel perfectly fine, but within seconds your world is upended in a way you never experienced before. You might find that simply catching a breath is difficult. Your vision might suddenly become blurred. Balance might be...

