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Long Term Disability & Autonomic Dysfunction Or Dysautonomia

Your autonomic nervous system controls involuntary actions, such as the beating of your heart, breathing, and the widening or narrowing of your blood vessels. When something goes wrong in the Autonomic Nervous System (ANS), it can cause serious problems with many body functions that should be automatic.  We have represented many individuals with Autonomic dysfunction…

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Sjögren’s Syndrome & Long Term Disability

Sjögren’s (“SHOW-grins”) Syndrome is a systemic autoimmune disease involving gland dysfunction that can affect the entire body.   Because Sjögren’s Syndrome is an autoimmune syndrome, it is found more commonly in families that have members with other autoimmune illnesses. In autoimmune disorders, the immune system, which normally protects the body from infection and cancers, may…

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Have you heard of ERISA?

Have you heard of ERISA? It’s important to have familiarity with the Employment Retirement Security Act (ERISA). Established in 1974, ERISA sets minimum standards for private industry to protect individuals in pension and health plans. ERISA requires plans to provide participants with essential information about various aspects of their protection, benefits and rights to sue…

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Mental Health, Bipolar 1 & Long Term Disability Denials

Mental Health, Bipolar 1 & Long Term Disability Denials In our experience, when Long Term Disability (LTD) insurance companies evaluate mental health cases, such as Bipolar 1, they typically attempt to redefine the illness and ignore their own definition of disability under the disability insurance policy. Nearly all long-term disability (LTD) policies cover mental health…

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Important Shifts in Fibromyalgia Proof for LTD cases 2017

Fibromyalgia Claims Fibromyalgia is a disease that does not offer any objective evidence or test results. It has been difficult to “prove” for long-term disability claims in the past. In 2017 there were two strong decisions which overturned long-term disability benefit denials. Disabled claimants were entitled to long-term disability benefits for fibromyalgia. The 2017 rulings represent important…

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