Posts Tagged ‘disability insurance lawyer’
Stiff Person Syndrome
Stiff person syndrome (SPS) Stiff person syndrome (SPS) is a rare, progressive syndrome that affects the nervous system, specifically the brain and spinal cord. Although very rare (Stiff Person Syndrome affects only 1 in a million people), McDonald & McDonald has represented several Long Term Disability Insurance clients who have suffered from SPS. The cause of stiff person syndrome is unknown,…
Read MoreRequirements For Filing A Long Term Disability (LTD) Insurance Claim
What You Need To Know To File A Long Term Disability Claim Under ERISA: Q. On what day did you become a plan member? This is very important because some plans require a waiting period before you become a plan member. The Plan may require you be employed 90 days before you become a…
Read MoreMarch Is Multiple Sclerosis (MS) Awareness Month
Check out this great article and graph on Understanding Multiple Sclerosis . Multiple Sclerosis is a disease that affects millions worldwide. This articles provides valuable information on the prognosis of MS and what to expect. Topics includes Myths vs Facts, Symptoms of MS, treatment options, and potential future treatment.
Read MoreSjögren’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…
Read MoreMental 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…
Read MoreImportant 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…
Read MoreDo Not Appeal Your Long Term Disability Insurance Denial Without An ERISA Attorney
If the insurance company sends you a denial, you have the legal right to an appeal in a long term disability case. The denial letter is really important because that denial letter is going to tell you that you have an ability to appeal. And the ability to appeal is not something that the insurance…
Read MoreMissing Pieces of the Administrative Record – Full & Fair Review under ERISA?
ERISA “Full & Fair Review” & the Missing Pieces of the ADMINISTRATIVE RECORD One of the most important pieces in a long-term disability case is the “administrative record.” The administrative record is defined as: everything that the insurance company considered in the denial of your claim. It also includes any appeal that you might submit,…
Read MoreThe Best Part of Being a Disability Insurance Attorney
Recently, a client asked me about my job. Those people who know me know I am bluntly honest. I told the client my job had two shifts: 1) the shift during the day, where I am in hearings, or meeting with clients, or on the phone handling problems. 2) the night and weekend shifts, where…
Read MoreMcDonald & McDonald – Long Term Disability Appeals in Ohio and 6 Nearby States
Long Term Disability Appeals in Ohio and 6 Nearby States At McDonald & McDonald, we practice ERISA / long-term disability insurance law in several states throughout the Midwest, Mid-Atlantic, & the South. Our clients have come from a variety of locations and cities. Our law firm is headquartered in Centerville, Ohio, but . . we have…
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