Disability insurance Archives - McDonald and McDonald https://mcdonaldandmcdonald.com Let our family fight for your family Mon, 14 Jan 2019 17:24:39 +0000 en-US hourly 1 https://mcdonaldandmcdonald.com/wp-content/uploads/2021/04/cropped-cropped-favicon-32x32.png Disability insurance Archives - McDonald and McDonald https://mcdonaldandmcdonald.com 32 32 Stiff Person Syndrome https://mcdonaldandmcdonald.com/stiff-person-syndrome/ https://mcdonaldandmcdonald.com/stiff-person-syndrome/#respond Mon, 14 Jan 2019 17:24:39 +0000 https://mcdonaldandmcdonald.com/?p=6063 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, …

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]]> https://mcdonaldandmcdonald.com/stiff-person-syndrome/feed/ 0 Requirements For Filing A Long Term Disability (LTD) Insurance Claim https://mcdonaldandmcdonald.com/what-you-need-to-know-before-filing-a-long-term-disability-claim-under-erisa/ https://mcdonaldandmcdonald.com/what-you-need-to-know-before-filing-a-long-term-disability-claim-under-erisa/#respond Mon, 23 Apr 2018 15:00:56 +0000 https://mcdonaldandmcdonald.com/?p=5392 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 plan …

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]]> https://mcdonaldandmcdonald.com/what-you-need-to-know-before-filing-a-long-term-disability-claim-under-erisa/feed/ 0 Important Shifts in Fibromyalgia Proof for LTD cases 2017 https://mcdonaldandmcdonald.com/fibromyalgia-proof-long-term-disability/ https://mcdonaldandmcdonald.com/fibromyalgia-proof-long-term-disability/#respond Sat, 02 Dec 2017 20:49:59 +0000 https://mcdonaldandmcdonald.com/?p=4898 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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]]> https://mcdonaldandmcdonald.com/fibromyalgia-proof-long-term-disability/feed/ 0 Everything You Need To Know About Lupus https://mcdonaldandmcdonald.com/everything-need-know-lupus/ https://mcdonaldandmcdonald.com/everything-need-know-lupus/#respond Thu, 24 Aug 2017 17:48:23 +0000 https://mcdonaldandmcdonald.com/?p=4197 Systemic Lupus Erythematosus has been called The Great Pretender in certain medical circles. Here is some information on one of our most commonly represented illnesses. The Great Pretender Many people who suffer from Lupus go through long periods of misdiagnosis. Lupus can pretend to be many other illnesses, so depending on the symptoms, it is …

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]]> https://mcdonaldandmcdonald.com/everything-need-know-lupus/feed/ 0 How Can I Be Disabled Yet Still Denied My Disability Insurance Benefits? https://mcdonaldandmcdonald.com/denied-benefits/ https://mcdonaldandmcdonald.com/denied-benefits/#respond Wed, 01 Mar 2017 01:01:40 +0000 https://mcdonaldandmcdonald.com/?p=3692 How can I be disabled but still be denied my insurance disability benefits? This is really a good question and the person asking the question is typically the disabled person. You have a lot of scenarios where the individual literally, genuinely, feels like they’re not going to be able to work. If you wanted a …

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]]> https://mcdonaldandmcdonald.com/denied-benefits/feed/ 0 The difference between ‘Any Occupation’ and ‘Own Occupation’ https://mcdonaldandmcdonald.com/difference-social-security-ss-long-term-disability-ltd-2/ https://mcdonaldandmcdonald.com/difference-social-security-ss-long-term-disability-ltd-2/#respond Tue, 31 Jan 2017 21:19:57 +0000 https://mcdonaldandmcdonald.com/?p=3527 Own Occupation & Any Occupation In Long Term Disability Insurance The Misunderstood ‘own occupation’ & ‘any occupation’ definitions in Long Term Disability Insurance policies. Own occupation is typically defined in most insurance contracts as your job as it appears in the national economy. So if your particular job has a feature in it that most …

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]]> https://mcdonaldandmcdonald.com/difference-social-security-ss-long-term-disability-ltd-2/feed/ 0 What is the difference between Social Security (SS) and Long Term Disability (LTD) https://mcdonaldandmcdonald.com/difference-social-security-ss-long-term-disability-ltd/ https://mcdonaldandmcdonald.com/difference-social-security-ss-long-term-disability-ltd/#respond Mon, 09 Jan 2017 19:58:27 +0000 https://mcdonaldandmcdonald.com/?p=3436 What is the difference between social security and long term disability? Long term disability is an insurance benefit typically provided by your employer as an employee benefit. The LTD plan document will lay out all the terms and conditions you must meet to receive disability insurance if you become disabled. Long Term Disability Insurance will …

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]]> https://mcdonaldandmcdonald.com/difference-social-security-ss-long-term-disability-ltd/feed/ 0 Do Not Appeal Your Long Term Disability Insurance Denial Without An ERISA Attorney https://mcdonaldandmcdonald.com/3341-2/ https://mcdonaldandmcdonald.com/3341-2/#respond Sun, 04 Dec 2016 00:40:25 +0000 https://mcdonaldandmcdonald.com/?p=3341 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 …

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]]> https://mcdonaldandmcdonald.com/3341-2/feed/ 0 Most Long Term Disabilities Are Caused By Chronic Conditions https://mcdonaldandmcdonald.com/long-term-disabilities-caused-chronic-conditions/ https://mcdonaldandmcdonald.com/long-term-disabilities-caused-chronic-conditions/#respond Tue, 26 Jul 2016 20:56:29 +0000 https://mcdonaldandmcdonald.com/?p=2695 Chronic Conditions are the Root of Most Long Term Disability Cases Most Long Term Disability Insurance cases are the result of chronic conditions, rather than accidents or injuries. In our experience representing clients in Long Term Disability Insurance cases, very few disabilities are caused by injuries resulting from an accident. Most of our clients have …

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]]> https://mcdonaldandmcdonald.com/long-term-disabilities-caused-chronic-conditions/feed/ 0 Community Inclusion for the Disabled https://mcdonaldandmcdonald.com/community-inclusion-for-the-disabled/ https://mcdonaldandmcdonald.com/community-inclusion-for-the-disabled/#respond Sun, 10 Apr 2016 17:58:06 +0000 https://mcdonaldandmcdonald.com/?p=2670 We wanted to share this thoughtful article on ways to prevent disabled neighbors or family members from becoming isolated in our communities: Community inclusion is something that most of us take for granted. Most of us have the freedom and opportunity to form many different types of meaningful relationships with other people in our communities. …

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