The Riverpoint Building
2300 15th Street Suite 200
Denver, CO 80202
Maps and Directions
Greenwood Village
5750 S. Ulster Circle, Suite 300
Greenwood Village, CO 80111
Maps and Directions

(303) 964-1800

October, 2013

Disability Benefits: Beware Facebook, Linkedin, and All the Rest

November 15, 2016

Be very careful what you post on your social media sites, such as Facebook and even LinkedIn. Everyone knows Facebook.  We have previously posted about the dangers of exposing your personal life for all the world to see, because your disability insurance carrier exists in that world.  LinkedIn is a
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Is Your Insurance Company Preparing to Terminate Your Long-Term Disability Benefits?

October 3, 2016

Convincing your insurance company to approve a long-term disability (LTD) claim can be challenging.  Keeping your claim in an approved status can be similarly challenging.  After LTD benefits have been approved, insurance companies will continue to review the claim and look for reasons to terminate benefits. There can be warning
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Another Successful Short Term Disability Appeal to Cigna – and Grant of Concurrent Application for Long Term Disability Benefits

September 21, 2016

The attorneys and staff at McDermott Law, LLC have prevailed again on an ERISA short-term disability appeal to Life Insurance Company of North America (LINA) (underwriter of disability insurance policies for Cigna).  Perhaps more importantly, our client also obtained an approval on her concurrent application for long term disability insurance
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Life Insurance Awareness Month

September 14, 2016

September is Life Insurance Awareness Month.  Many life insurance companies and financial institutions use this as an opportunity to contact their insureds and other potential customers to promote their life insurance products.  There is no doubt obtaining life insurance is an important step to take for your loved ones. The purpose
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McDermott Law Obtains Judgment in Favor of LTD Client Against Metlife

September 13, 2016

After a lengthy battle with MetLife, our office obtained a great result on behalf of a disabled client who had been mistreated by the claims department at this insurance company.  Mr. K suffered a severe reaction to the drug Levaquin resulting in multiple problems with his nervous system, nerves and
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Long Term Disability Benefits & Bipolar Disorder

June 29, 2016

Individuals suffering from bipolar disorder can experience many difficulties in life.  Sufferers of bipolar disorder will experience feelings of depression that alternates with episodes of mania.  The symptoms associated with bipolar disorder can render an individual incapable of working and can include hyperactivity, impulsive decision-making, distractibility, trauma, racing thoughts and
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After ERISA Benefit Denials & Appeals: How Much Time Do I Have to File an ERISA Lawsuit?

June 22, 2016

When an ERISA-governed benefit claim – and subsequent internal appeal – has been denied by  the insurance company, a denial claimant may then have the option to file a lawsuit.  The question often arises: “How long do I have to file my lawsuit?”  The answer is not always that simple. 
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FAQs about Long-Term Disability Benefit Offsets

June 14, 2016

Long-term disability (LTD) insurance policies commonly contain provisions regarding “offsets.”  These provisions are usually called “Deductible Sources of Income.”  The purpose of the provision is to allow the insurance company to reduce the amount of payable benefits, based on other disability-related benefits or income a policyholder is receiving. To clarify
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3 Common Mistakes to Avoid in Independent Medical Exams for Disability Claims

May 6, 2016

After filing a short- or long-term disability claim, you may be required by your insurance provider to attend a so-called independent medical exam (IME) (the more appropriate term is Insurance Medical Exam).  IMEs are physical exams conducted by licensed doctors who have specifically been selected by the insurance provider. The
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Are You Protecting Your Paycheck & Financial Future?

April 29, 2016

Do you rely on your paycheck every month to cover your essential expenses? How long would you be able to support yourself if you were unable to earn a living? Although it can be grim to think about the answers to these life questions, the reality is that accidents happen
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