Category Archives: Long-Term Disability
Independent Medical Exams (IMEs) for Disability Claims: What to Expect
When a claim is filed against a short- or long-term disability policy, the insurance company may request that the claimant attend an independent medical exam (IME). IMEs are basically a visit to a doctor selected by the insurer, during which the nature and severity of…
Disability Benefits: Beware Facebook, Linkedin, and All the Rest
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…
Is Your Insurance Company Preparing to Terminate Your Long-Term Disability Benefits?
Convincing your insurance company to approve a long-term disability (LTD) claimcan 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.…
Long-Term Disability Benefits & Bipolar Disorder
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,…
After ERISA Benefit Denials & Appeals: How Much Time Do I Have to File an ERISA Lawsuit?
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…
3 Common Mistakes to Avoid in Independent Medical Exams for Disability Claims
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…
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