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Disability

What If My Employer Fails to Pay Long-term Disability Premiums?

June 21, 2019

Is your employer refusing to pay you the long-term disability premiums that they owe you? They may give you any number of less than agreeable reasons for their actions. Or they may not give you a reason at all. If this is the treatment you are receiving, the time is now to take your case…

Colorado Disability Lawyers Explain the Importance of Medical Documentation of a Disabling Medical Condition

June 14, 2019

For purposes of claiming disability benefits, you must be in a position to prove a disabling condition that results in an inability to support yourself with gainful employment. As per our Colorado disability lawyers at McDermott Law, that requires medical documentation from your doctors and other health care providers. Those providers must be licensed health…

Termination from Employment Even as a Result of Disability Can Impact Your Coverage

February 6, 2019

Some disability benefit plans require that the claimant remain employed, even in inactive status, in order to receive benefits. In these situations, an employee may need to have their Family Medical Leave Act (“FMLA”) approved to protect their employment status in order to be eligible for disability benefits. However, an employer may still terminate an…

Cigna Reverses Long-Term Disability Denial of Service Technician

November 2, 2018

McDermott Law, LLC was once again successful on behalf of a client whose disability benefits were wrongfully denied. These long-term disability (“LTD”) benefits governed by the Employee Retirement Income Security Act (“ERISA”), and insured by Cigna, have now been granted. A service technician suffered from tetrachloroethylene exposure, which caused a litany of medical conditions and…

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 districts and police departments, an additional long-term disability (LTD) insurance policy…

May is Disability Insurance Awareness Month

April 27, 2018

Disability Insurance Awareness Month (“DIAM”) is a campaign started and sponsored by the nonprofit organization Life Happens. The first goal of the campaign is to encourage people to take the time to consider the reality of missing work for any period of time, and to understand that it happens more than any of us would…

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 …

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 …

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 professional networking and employment internet…

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) 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. There can be warning signs that can reveal an insurer’s intent…