McDermott Law, LLC
The Riverpoint Building
2300 15th Street Suite 200
Denver, Colorado 80202
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(303) 964-1800

Long-Term Disability Benefits

Disability Claims for Firefighters & Police Officers

May 9, 2018

Many firefighters and police officers in the state of Colorado enjoy the benefits of the Fire & Police Pension Association of Colorado (FPPA). The FPPA administers a state-wide, multiple-employer retirement system providing defined benefit plan coverage. In addition to pension benefits, death and disability coverage also exists. For many fire
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California Investigating Aetna Over its Medical Director Reviews of Records

May 2, 2018

We found an interesting story by CNN regarding Aetna Insurance. Apparently, California’s Insurance Commission has commenced an investigation into Aetna and its health insurance practices. The Commissioner learned that a former Medical Director for Aetna recently admitted under oath (in a deposition) that it was his practice to never actually
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MetLife Overturns Prior Disability Denial in Support of Appeal 

April 25, 2018

Ms. A, a highly educated professional woman, was involved in two separate car accidents (one in 1992 and one in 2002) and was later bucked off a horse in 2009.  Over time, the effects from these different injuries compounded and progressed, eventually causing severe pain that is now nearly constant. 
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Sun Life Approves LTD and LWOP Claims after Medical Examination

April 19, 2018

A Saleswoman was rendered disabled as a result of intractable occipital neuralgia, cervical degenerative disc disease, cervical spondylosis, spasmodic torticollis, postlaminectomy syndrome, chronic pain syndrome, and chronic migraines. After paying long term disability (LTD) benefits for just over a year and approving life insurance waiver of premium (LWOP) for just
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Mental Health Conditions and LTD Claims

April 16, 2018

Proving the existence of a disability, and your disabling symptoms, can be challenging in any disability insurance claim. For those suffering from a mental health condition, the claim process can be just as problematic if not more difficult to navigate.  That is because many of these conditions can be relatively
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Hartford Approves Long-Term Disability Benefits

April 11, 2018

A career firefighter suffered from several work-related injuries. He made heroic efforts to continue working by pursuing every treatment option, including multiple surgeries, to improve his conditions. However, his doctors had grave concerns that he would ultimately suffer a reinjury and recommended he cease work. He was eventually convinced to
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How Can I Figure Out the Date of Disability for My Long-Term Disability (LTD) Claim?

December 27, 2017

When it comes time to file a claim against a long-term disability (LTD) policy, figuring out the date of disability will be pivotal to determining if the claim will be approved or when it becomes payable. Although this date may be relatively clear or definitive in some cases – like
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Independent Medical Exams (IMEs) for Disability Claims: What to Expect

December 18, 2017

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 your disability or health impairment
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Long-Term Disability Claims & Appeals: FAQs

June 26, 2017

Navigating the long-term disability (LTD) claims process can be challenging, especially in light of the fact that insurance companies are not necessarily looking out for policyholders or their rights. In fact, some insurance providers may even take extra steps – like surveilling claimants – to try to find reasons to
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First Reliance Standard Life Insurance Company Reverses Disability Insurance Denial of Lung Transplant Claimant

June 14, 2017

McDermott Law is pleased to announce another success on behalf of a client whose ERISA long-term disability (LTD) and waiver of life insurance premium (LWOP) denials have now been overturned by First Reliance Standard Life Insurance Company. Our client suffered from several conditions as a result of Interstitial Lung Disease,
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