Some individuals who are applying for disability benefits are dealing with chronic pain. This could be because of a distinct medical condition that causes pain, which may or may not be treatable. It could also be long-term pain from a past injury, such as nerve damage...
What if an ERISA disability benefits dispute goes to court?
Insurance companies that issue long-term disability policies governed by the Employee Retirement Income Security Act of 1974 (ERISA) have many responsibilities to policyholders. Insurance company employees generally need to act in the best interests of policyholders...
Long-term disability claims: how many times can I appeal?
If you are facing a long-term disability claim denial in California, you know how frustrating it is to go through that. However, there is additional knowledge you should have and resources you should consider. First, let’s go over what an appeal is. Simply put, if the...
What should you do when your disability claim is denied?
If you develop a physical or mental illness/ injury that prevents you from performing your job duties, you may be eligible for disability benefits. You can receive a percentage of your income for a particular period, allowing you to recover comfortably. However, your...
3 reasons an insurer may deny your LTD claim
If you put in a claim for long-term disability (LTD), it can be devastating to see it denied. Even though you may be able to appeal and eventually get the benefits you need, the wait could put you in a very difficult financial situation. On top of that, the stress and...
What if your LTD claim for an autoimmune disorder is denied?
Receiving a denial for a long-term disability claim can be disheartening. This may be particularly true for those who suffer from an “invisible” autoimmune condition that can be difficult to prove and even harder to live with. Autoimmune conditions often result in...
What should an ERISA denial letter tell you?
There are cases in which you may apply for benefits under an ERISA plan, but you are denied. You should get a letter in the mail informing you of this denial. But what should that letter contain? It’s more than just an indicator that your claim is being denied. Below...
3 types of medical evidence in disability claims
If your employer-based disability benefits have been denied, the reason given may be that there just isn’t enough medical evidence to support your claim of being disabled in your file. This does not mean that you are not disabled, of course. It just means that the...
Why insurers question fibromyalgia disability claims
If your doctor diagnosed you with fibromyalgia and it is preventing you from working, you may consider filing for disability benefits. However, many cases are denied. In fact, there is often a high rate of denials in cases of fibromyalgia. Learn why insurers question...
Recent Lyme disease case a reminder of the importance of proper evidence
If you have Lyme disease you are not alone. The United States Centers for Disease Control and Prevention (CDC) reports that almost 500,000 Americans are diagnosed and treated for the disease every year. The disease can range in severity. Some will experience...