If you are applying for or receiving your Long Term Disability benefits, you should assume that you are being watched and video-taped by the Long Term Disability insurance company. Video surveillance is being done in an effort to catch you doing activities that could be used against you. The Long Term Disability carrier is going […]

If the Long Term Disability carrier is thinking about denying your claim for disability benefits they may put surveillance on you. If you claim that you have difficulty bending, stooping and lifting and investigators obtain videotape of you washing your car, bending and polishing or wiping your car dry. You have a problem. You haven’t

Unfortunately, Long Term Disability insurance companies deny claims for all sorts of reasons, however, Nancy Cavey, ERISA Long Term Disability denied lawyer, often sees denial letters which contain the language that your claim was denied because “there is no evidence that demonstrates that a Long Term Disability applicant can perform at a certain exertional level

In Multiple Sclerosis there are a number of mobility challenges you may experience because of weakness, spasticity and balance problems. Weakness is often accompanied by a stiff and heavy feeling in your legs. This weakness and spasticity in your trunk and legs can reduce your balance. It’s important that your medical records and physical therapy

Long Term Disability carriers spend a lot of money to get pictures of Long Term Disability applicants or recipients so that they can ultimately deny Long Term Disability benefits. They have to make sure they have the right person! How do they do that? The Long Term Disability carrier may provide the surveillance company with

Surveillance cases are normally scheduled for a ten hour work day, 6am to 4pm. Most Long Term Disability carriers require investigators to check in with police or law enforcement on a daily basis. Upon arrival, investigators normally take a time shot of your resident for at least 30 seconds. If it’s a gated community they’ll

The ability to take depositions in the long term disability cases is, unfortunately, limited. That allows of insurance companies like LINA to hide the conflict of interest in its reasons for denying disability benefits. For example, Medhav-Harahwaj is a repeat offender. Ms. Harahwaj has never seen a long term disability claim that she could pay.

Many Long Term Disability carriers use the Dictionary of Occupational Titles, they search and stretch definitions of “sedentary” and “light,” close to the relevant plan definition. Additionally, carriers like Standard also ignore side effects of medication, sometimes concluding that you can discontinue the medication and be able to work. A Long Term Disability plan’s administrator