FREE CONSULTATION

Long-Term Disability and combine Benefits with Claims

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…

MCDERMOTT LAW WINS REVERSAL OF COURT DECISION FOR LTD CLIENT

February 19, 2019

On January 15, 2019, the attorneys at McDermott Law succeeded in having a federal court judge order the payment of our client’s long-term disability benefits after a five-year fight. This case was significant for several reasons. This client came to us for help years after his insurance company denied his benefits. In fact, the insurance…

Medical Doctor’s LTD Benefits Terminated Based Upon a Mental Illness Provision

November 2, 2018

In 2013, a medical doctor notified Provident Life and Accident Insurance Company (“Unum”) of his claim for disability insurance benefits based on medical conditions of PTSD, grief, panic attacks, anxiety, cognitive impairment, insomnia, fatigue, and major depressive disorder. Unum approved his claim and paid the doctor his benefits from under the 24-month Mental Disorder Limitation…

Cigna Overturns Termination of STD Benefits and Grants LTD Benefits

November 2, 2018

A former Cybersecurity Specialist (Ms. N) was rendered disabled as a result of a rare condition known as arachnoiditis, which causes neurological deficits and severe chronic neuropathic pain. Ms. N. excelled at her career and loved working but, unfortunately, the severe pain in her hips, buttocks, legs, and lower back made it impossible for her…

McDermott Law, LLC Works with Treatment Providers to Reverse Standard’s Termination of LTD Benefits

November 2, 2018

A Tax Lien Specialist made heroic efforts to continue working after years of struggling with her disabling medical conditions. Due to the culmination of disabling medical conditions including chronic low back and neck pain, cervical occipital neuralgia, migraines, as well as colon disease, she was unable to work full time in her Own Occupation. She…

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…

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 invisible. For those seeking LTD…

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 end his career and submit…

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 …