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Disability insurance

Proposed Changes to Rules Governing ERISA Long Term Disability Claims

March 22, 2016 / By

Recently the Department of Labor (DOL) proposed some amendments to Section 503 of ERISA (Employee Retirement Income Security Act), to improve the current rules governing Long Term Disability claims and appeals. Joe sent his comments and recommendations to the DOL with the hope of improving the disability claims process for all of our clients. Here are …

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Long Term Disability & the Undiagnosed Condition

August 8, 2014 / By

LONG TERM DISABILITY & THE UNDIAGNOSED CONDITION One of the most difficult cases in our long-term disability practice is the individual who does not have   a diagnosis. It is very common in medicine for claimants to go longer than a year without receiving a proper diagnosis. This is not the fault of physicians, but …

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Missing Pieces of the Administrative Record – Full & Fair Review under ERISA?

July 14, 2014 / By

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, …

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Long Term Disability – Defining “your job” vs. “your occupation”

September 21, 2012 / By

Long Term Disability Insurance – “your job” vs. “your occupation” – understand the difference: THE VOCATIONAL SIDE OF LONG-TERM DISABILITY Frequently, long-term disability contracts provide us with definitions for disabling conditions. These definitions embrace the idea that your illness or disability affects your ability to perform “your job.”  Occasionally, policies also refer to “your occupation.” …

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Don’t Accept the Social Security Representative Recommended to You By Your Long Term Disability Insurer

March 31, 2012 / By

You are not obligated to accept the preferred Social Security representative recommended to you by your Long Term Disability carrier. When you apply for long-term disability benefits, many plans will require that you also apply for and pursue Social Security disability benefits. The logic behind this request is simple. They will take an offset for any …

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