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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.…
Another Successful Short Term Disability Appeal to Cigna – and Grant of Concurrent Application for Long-Term Disability Benefits
The attorneys and staff at McDermott Law, LLC have prevailed again on an ERISAshort-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…
Life Insurance Awareness Month
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…
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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