If your short-term disability claim is denied, you need to speak with a lawyer as soon as you get that denial letter. A delay could mean losing out on your chance to file an appeal. You may have a short amount of time to do so, and the appeal process can be extremely challenging. Due...
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Disability leave is intended to provide breathing room while you recover from a serious medical condition. In practice, however, it often brings uncertainty. Many people on disability leave worry about whether an employer can terminate their employment and, if so, how that decision may affect their disability benefits. In some cases, insurance companies and plan...
When a serious injury or illness prevents you from working, one of the first concerns is often health insurance. Employer-sponsored coverage can come to an abrupt end at the very moment medical care is most important. In many situations, however, individuals may be entitled to continued coverage under the Consolidated Omnibus Budget Reconciliation Act (COBRA)....
The answer in some cases is, unfortunately, yes. Say that you are receiving long-term disability (LTD) benefits and then get a lump sum back payment from the government for Social Security Disability Insurance (SSDI). Your insurance company may try to collect that lump sum. The insurer will claim that they overpaid your benefits. If you’re...
Our client was the HR Manager for a nationwide business. Like many, she Googled for help getting her ERISA governed disability benefits when her claim was denied by New York Life. Like many, she clicked on a firm claiming nearly miraculous “success rates” and asserting they were the Best Lawyer Anywhere Ever! What she didn’t...
You just received a letter from your long-term disability insurance company because they heard about the past-due disability benefits you were awarded from another source. Perhaps it was an award of past-due Social Security Disability (SSDI) benefits or it was from another disability policy you purchased. The insurance company now wants you to pay them!...
When we talk about individual disability insurance, we also have to talk about how the insurance companies fight the case. They’re going to fight these claims. Some of the claims are worth hundreds of thousands or millions of dollars over the course of life that they’re supposed to pay you. Honestly, the insurance companies will...
If you have a disability claim, you don’t want to walk around telling people that you’re retiring. That kind of phrase will come back to haunt you. The insurance company will dig it up and use it against you. You need to be careful with the way you interact with your physician. When you tell...