Long Term Disability Law BlogAttorneys Gregory Dell and Alex Palamara discuss disability claims for Otolaryngologists or Ear, Nose and Throat (ENT) physicians. Insurance companies will minimize the physical and mental demands of an ENT. Requests are made for CPT/surgical codes to understand your occupation but insurance companies will ignore most other duties of an ENT to include examinations, testing, […]
Articles Posted in Disability Insurance Benefits Claims Research
Disability Denial Reason #2 – What Disability Claimants Should Know About the Vocational Review Process
Being approved for long term disability insurance benefits can be a huge relief for anyone worried about how they’ll pay their bills when they’re not able to perform full-time work. But even for disability policies that claim to offer a “lifetime” of benefits, this approval may not be permanent. For group long term disability policies […]
Keep a Pain Journal (Symptom Log)
When you submit proof of your long term disability it’s only as good as how it looks on paper. Medical records are the most important, but keeping a daily log of your pain and symptoms is further proof of your disability.
Prepare for Change in Definition of Disability
One of the most common reasons a long term disability claim is denied is the change in the definition of disability.
What to Expect in 2021 from Disability Insurance Companies
For many disability insurance companies, 2020 was a year of adjustment, while 2021 marks the first full year of the “new normal.” Disability insurance companies have begun to adjust to some major changes in how they do business, from an increase in the number of employees working remotely to corporate mergers of some of the […]
How Much Weight Does a Disability Insurance Company Need to Give to Social Security Determinations?
It is a misconception that a disability insurance company must give weight to a favorable social security decision. The fact is, a disability insurance company does not have to be deferential to social security’s determination. However, it is in your best interest to ensure that the supportive evidence in the social security file submitted is […]
How Important Is The Support Of My Doctor In Obtaining Disability Insurance Benefits?
Disability insurance attorneys Cesar Gavidia and Gregory Dell stress the importance of strong medical support from a treating doctor. Lack of support from a treating doctor will result in the denial of long term disability benefits. The support of every doctor is essential throughout the duration of the disability claim and not just when submitting […]
Plaintiff with Chronic Fatigue Syndrome Wins Battle for Long Term Disability Benefits Against Hartford
California Court overturns Hartford’s denial of long term disability to plaintiff who suffers from chronic fatigue syndrome and awards benefits without remand.
California Appeal Court Disagrees with Sunlife’s Disability Policy Interpretation
California federal appeals court concludes ambiguous terms in Sun Life’s disability policy must be construed in favor of the claimant, but employer is not a proper defendant.
Pennsylvania Court Upholds Reliance Standard’s Policy Language Interpretation
A Pennsylvania court determined Reliance Standard Life Insurance’s interpretation of ambiguous policy language was reasonable and complied with the Plan’s goals.