Social Security Judges see hundreds of cases each year and hear the same story over and over. When filing a Social Security disability claim it’s crucial that you explain the following: (1) your work history, (2) evidence of work attempts. What’s So Important About Work History? The Social Security Administration and a Judge is more […]
You purchase a long term disability policy to provide you with peace of mind if you became sick, injured or disabled. Unfortunately, long term disability carriers don’t make it easy for the disability policyholders to get the disability benefits they deserve. Understanding The Disability Insurance Claims Process There are 4 possible scenarios in the claims
This Is What Happens When A ERISA Disability Policy Holder Is Left High and Dry Read More »
Yes! The Social Security Administration (SSA) evaluates whether or not your medical condition equals a listing under 20 C.F.R. §§ 404.1526 and416.926. This requires the SSA to consult with a SSA medical expert before reaching a conclusion regarding equivalence. It is also helpful if your cardiologist comments on the equivalence by using the New York
If you purchased your disability policy through your employer, that policy is most likely governed by the civil enforcement provisions of the Employer Retirement Income Security Act 1974 (ERISA), 29 USC §1132. In the case of Perry v. Metropolitan Life Ins. Co., No. 4:16-CV-135 (CDL), 2016 WL 4536441 (M.D. GA. August 30, 2016), Ms. Perry
ERISA Disability Carriers Must Meet ERISA Claims Denial Deadlines Read More »
The Social Security Administration (SSA) uses a 5 step sequential evaluation in every Social Security Disability claim to determine whether or not the applicant is entitled to Social Security Disability benefits. At Step 3 of the 5 Step Sequential evaluation, the Social Security Administration will ask if you meet the elements of cardiovascular listing 4.00.
If you’ve been diagnosed with cardiological disease, you may be entitled to Social Security Disability benefits. You can be awarded those benefits at Step 3 of the Five Step Sequential evaluation if you can establish that you meet every element of a Listing for chronic heart failure. Part of the criteria requires the results of
Unum Disability Insurance Company, one of the carriers in the United States, has reported that cancer is the leading cause of its disability claims. In fact, cancer counts for over 16% of long term disability claims. Unfortunately, Unum like many disability insurance companies often ignore the side effects of cancer treatment when denying benefits. What
Cancer Is The Leading Cause Of Long Term Disability Claims Read More »
When Does The Meter Run On Your ERISA Disability Claim? In Heimeshoff v. Hartford Life and Accident Insurance Company, U.S.#12-729(December 16, 2013) the United State Supreme Court found that “absent the controlling statute to the contrary a participant and a plan may agree by contract for particular limitations., even when it starts to run before
The Ugly Truth About ERISA Plans And Contractual Limitations Period Read More »
You may have purchased your disability policy through your employer and , if so, you need to understand the basics of an ERISA Plan. ERISA stands for the Employer Retirement Income Act. The ERISA statute was enacted in 1974 as a result of the Jimmy Hoffa pension scandals. ERISA was designed to provide and protect
What Every Disability Policy Holder Needs To Know About an ERISA Disability Plan Read More »
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