09 September

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What You Need To Know About Aetna’s Application Of The “Any Occupation” Definition In Its Disability Policies

Own Occupation Aetna Disability Policy Claims

Many disability carriers, such as Aetna, have a two-tiered definition of disability. For example, Aetna's policy provides that for the first 24 months, you're entitled to your benefits if you can't perform the material duties of your own occupation.However, after 24 months of disability, the monthly benefits are payable if you "are unable to work in any reasonable occupation solely because of an illness, injury or any pregnancy-related condition." The policy also defines "reasonable occupation" as "any gainful activity for which you are or may reasonably become fitted by education, training or experience and which results in or can be...

20 August

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New ERISA Regulations #7: Carriers Can No Longer Play The “Delay Game”

Posted by Nancy Cavey

in ERISA

https://youtu.be/Lvukhk760jo...

05 August

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How A Long Term Disability Application Can Overwhelm A Disabled Policy Holder

Posted by Nancy Cavey

in Application, Long Term Disability

Long Term Disability Application Policy Holder Attorney

It's difficult to make the decision to stop working and apply for disability benefits. The application process can be daunting. Before you stop working, you should do the following:- review your long term disability policy to understand what you have to prove, the deadlines for submitting your claim, the deadlines for supplying medical records and the deadlines for appealing a denial,- what medical conditions are excluded under the preexisting condition,- or whether your benefits will be limited under the subjective or mental nervous provisions of the policy.It's also crucial from a financial standpoint that you know how long your waiting...

20 July

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A Misstep In Talking To Your Doctor Can Destroy Your Long Term Disability Insurance Claim

Posted by Nancy Cavey

in Long Term Disability

treating physicians long term disability claims

Many disability insurance policies have mental nervous limitations that limit the payment of disability benefits to just 2 years if you have a psychological or psychiatric condition that causes or even contributes to your disability.Get out your disability policy and read it closely, what does it say?You should be careful about discussing your emotional state with your treating physicians. Why Should You Be Careful In Talking With Your Doctor About Your Long Term Disability Claim? Disability carriers are looking for reasons to limit the payments of disability benefits. They're also looking for ways to ignore physical causes of disability. An easy way...

18 July

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UNUM’s Current Tricks To Reduce Policy Holder’s Disability Benefits In Settlement Negotiations

Posted by Nancy Cavey

in UNUM Insurance Company

Disability Benefits In Settlement Negotiations UNUM Policy

UNUM disability policies, like most disability policies, have an "other income" provision that allows the disability carrier to reduce the gross LTD benefits by the receipt of the policyholders Social Security Disability benefits and that of the policyholder's dependents. Unum has started offsetting dependent Social Security benefits to 19 years and 2 months.There is a Social Security Administration provision that allows children still in high school to receive benefits to age 19 and 2 months if they are continuing as a full-time student at a secondary or elementary school. Normally the benefits would stop at age 18 unless the child...

16 July

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What Every Long Term Disability Policy Holder Needs To Know About Experimental Treatment For Arrhythmia

Posted by Nancy Cavey

in Arrhythmia

Arrhythmia Long Term Disability Treatment

Those with arrhythmia have an electrical system which no longer maintains a regular heartbeat. A sudden frequent burst of a rapid heartbeat can result in sudden death. In fact, an estimated 320,000 Americans die of arrhythmia each year. Exciting New Arrhythmia Treatment News! Researchers at the Washington University in St. Louis have published a study in the New England Journal of Medicine about an experimental treatment that shows promise. Short bursts of radiation aimed at the heart help obliterate the cells of the heart that cause an electrical malfunction. The treatment requires weeks to take full effect but it appears to be...

08 July

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What Every Long Term Disability Applicant Needs To Know About Attending Physician Statement Forms

Posted by Nancy Cavey

in Long Term Disability

Attending Physician Statement Forms Long Term Disability

If you plan on applying for long term disability benefits, you should know that your physician will be asked to complete Attending Physician Statement forms (APS). These forms are specifically designed so that the right questions aren't asked about your particular medical condition. Why Are Attending Physician Statement Forms Important? The disability carrier doesn't want to pay your disability benefits. Worse yet, the APS forms are designed to lead your physician to render an opinion that you're capable of engaging in sedentary work.If you're in the "any occupation" stage of your disability claim, your ability to engage in sedentary employment will result...

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