Disability carriers will use every trick in the book to deny a disability claim, and they’ve written much of the book themselves. A disability carrier will review the activities that you reported on the Activity of Daily Living forms that you completed, hopefully consistent with what you told your doctor. Then, they’ll compare that to […]
The Social Security Administration has made it tougher for Social Security Disability applicants who have denied to get their Social Security Disability benefits while their denial is being appealed. Social Security has enacted SSR 11-1p which changes Social Security’s policy that allowed an applicant that was denied to file a new claim while the denial
Bad News for Social Security Disability Applicants Who Have Been Denied Their Benefits Read More »
The Employee Retirement Income Security Act, which governs employer sponsored benefits like disability insurance, is not friendly to the very people it is designed to benefit – you! However, one of the saving graces in ERISA are the ERISA claim regulations which require that a denied policy holder or plan beneficiary be given a “full
You paid your premiums, filed your claim when you were no longer able to work, and waited for your check. But instead of a check, you got a letter denying your claim. A long-term disability claim denial can be devastating. Alternatively, your claim might have been accepted, but now you’ve gotten a letter from the
The answer is “Yes,” you must file an appeal first before you file a lawsuit. Fighting your long-term disability carrier can be exhausting. Delay, endless requests for more information, not so “independent” a “medical evaluation,” surveillance and denial, are all designed to wear you out. You might be tempted to say “nuts” to that and
It is not uncommon for disability policy holders to develop opioid pain medication addiction after undergoing surgery. Opioid addiction can be even more problematic when the policy holder is a medical professional like a certified registered nurse anesthetist. The American Association of Nurse Anesthetists has a return to work program for recovering nurses to re-enter
I am a student of American history and one of my heroes is Abraham Lincoln. The Lincoln National Life Insurance Company was named at the suggestion of Perry Randall, a Fort Wayne attorney and entrepreneur, who suggested that the name “Lincoln” would powerfully convey a spirit of integrity as embodied by Abraham Lincoln. In fact,
You’ve waited forever to have a hearing in front of Social Security judge. You want the judge to hear your whole story about why you can’t work and all the problems you have every day. It’s not uncommon for witnesses to come to testify in other court matters but Social Security hearings are different. What
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