The Ten Mistakes You Can Make That Can Destroy Your ERISA Disability Claim

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. of Am., 2022 WL 1050097 (E.D. Cal. Apr. 7, 2022) illustrates these problems. Adams-Runion was the Director of Laboratory Services at Doctors’ Hospital of Manteca, California, which required her to sit at least six hours per day. Her job was very stressful. She had undergone heart surgery in...

08 April

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My Long-Term Disability Claim Has Been Denied Do I Have to Exhaust All Levels of Appeal Even If My Appeal Won’t Matter?

Posted by Nancy Cavey

in Appeals

Long Term Disability Appeal Court Claims

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 disability carrier terminating your benefits. The denial or termination letter should explain the basis of the denial or termination, your rights, and your obligation to file an appeal of the denial or termination. Do I have to Exhaust All Levels of Appeal before Going to Court? The short answer...

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. Our Ameritas disability claims lawyer can assist you. 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...

18 May

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How Does A Short or Long Term Disability Policy Holder Find Out About Their Disability Benefits

Posted by Nancy Cavey

in Long Term Disability

Did you know that if you purchased a short or long term disability policy through an employer, (other than a government or church employer), the ERISA statute requires that your employer or Union act as a fiduciary? What Are The Duties Of A Fiduciary? Your employer or union must provide information about benefits when you ask for it in writing. In fact, plan administrators, employers or unions who provide benefits, must provide a copy of the plan documents to you if you make a written request for the documents. If they don't provide you with the plan documents, they can be subject to...

ERISA disability claims Tag

The Ten Mistakes You Can Make That Can Destroy Your ERISA Disability Claim

My Long-Term Disability Claim Has Been Denied Do I Have to Exhaust All Levels of Appeal Even If My Appeal Won’t Matter?

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

How Does A Short or Long Term Disability Policy Holder Find Out About Their Disability Benefits