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Long-Term 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…

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…

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 …

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 deny claims. Important Answers about LTD Claims To start…

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…

3 Common Mistakes to Avoid in Independent Medical Exams for Disability Claims

May 6, 2016

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 by the insurance provider. The purpose of these exams is usually to provide…

Are You Protecting Your Paycheck & Financial Future?

April 29, 2016

Do you rely on your paycheck every month to cover your essential expenses? How long would you be able to support yourself if you were unable to earn a living? Although it can be grim to think about the answers to these life questions, the reality is that accidents happen and that many people do…