Do you have problems bending over or reaching down to retrieve an object or tie your shoes these days? Is it a chore – candidly, a serious challenge – to do things like comb your hair, brush your teeth, turn your neck while driving, play with the dog or engage in many...
Stroke: a long-term disability sometimes challenged by long term disability insurers
It can happen in a flash. One minute you feel perfectly fine, but within seconds your world is upended in a way you never experienced before. You might find that simply catching a breath is difficult. Your vision might suddenly become blurred. Balance might be...
Did your employer’s insurer deny your long-term disability benefits claim?
When a physical or mental condition leaves you unable to work, you would expect to receive long-term disability benefits under your employer’s insurance policy. However, the denial of valid claims occurs all of the time. The good news is an initial denial is not the...
You’re an ERISA claimant: How does the process actually work?
Denial or termination. Those words will have an obviously chilling effect on you if they are delivered by an insurance company in a health matter related to a long-term disability. Insurers’ attempts to undercut the lawful benefits or compensation owed claimants...