Short and long-term disability insurance claims are often made because of chronic heart problems. But if you have chronic heart issues and were thinking about leaving work and applying for disability benefits, there are some common problems you should be aware of before you do that. The case of Adams-Runion v. UNUM Life Ins. Co. […]
The Ten Mistakes You Can Make That Can Destroy Your ERISA Disability Claim Read More »
One of the most painful back injuries is a compression fracture of the spine that results in wedging and a loss of height of the vertebral body. The bone of the spine can collapse and, as it heals, wedge. The spinal bone can also fracture and fragment. That is known as a Retropulsed fragments. The
One of the common reasons disability carriers like UNUM deny or terminate benefits is the argument that the policy holder’s pain is out of proportion to examination findings and, therefore, the policy holder isn’t disabled by the terms of the disability plan or policy. Many times, disability carriers can get away with this argument because
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
Guidelines for Nurse Anesthetists’ Disability with United Heritage 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
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