Disability Insurance Lawyer Blog

Disability Insurance Claimant Bashing By Any Other Name

We read a lot about disability insurance, from legal decisions to rants on forums from claimants who have been denied, and everything in between. We do not represent Social Security Disability Insurance claimants, so most of our focus is on insurance issues concerning ERISA and individual policies. But an op-ed that appeared in this week’s Wall Street Journal by Dr. Lanhee Chen, a research fellow at the Hoover Institute and the Director of Domestic Policy Studies in the Public Policy Program at Stanford University caught our eye. First, we checked out his credentials – three degrees from Harvard, appointed by the President as a member of the Social Security Advisory Board (waiting confirmation by the US Senate, according to the Stanford Law School website), policy director for the Romney-Ryan presidential campaign, as well as Governor Romney’s chief policy advisor. In other words, he brings some chops...
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Does Rand Paul Have YOU in His Line of Sight?

Here’s who we are not voting for, in any election: the man who says “over half the people on disability are either anxious or their back hurts….Who doesn’t get up a little anxious for work every day and their back hurts.” That’s Rand Paul, the Republican Senator from Kentucky who hit the campaign trail today and is visiting New Hampshire with an eye to a presidential run in 2016. We bet he doesn’t even know how many disabled people have been denied disability insurance benefits and aren’t even counted by SSDI or the insurance companies. Even before these disparaging remarks, which are offensive on so many levels, Republicans in Congress are now taking aim at Social Security and in particular reforms to the SS Disability Insurance program. This is nothing new, but what is new is the bad state of affairs of SSDI. The trust fund that supports SSDI is scheduled...
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A New Year, But Same Old for Cigna Disability Insurance Policyowners

Over the years, we have seen patterns in phone calls and emails that almost always indicate that some sort of change is underway at a disability insurance company, and the end of 2014 provided another example of this. We found that we were getting an increasing number of phone calls concerning Cigna disability insurance policies. While we have not yet uncovered the exact reason why this occurred, there are a few things that we do know for sure about Cigna, and we hope they may be helpful to our readers. Cigna has denied many policyowners their disability insurance benefits without actually conducting a live and in-person physical examination of the policyowner. How can anyone make such a determination, based solely on paper files? Consider it from the viewpoint of Cigna: if they send out 1,000 denial of claim letters, and 10% of all the policyowners do not...
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Join Us – ACI 17th National Conference – Litigating Disability Insurance Claims

It’s not too late to join us at the American Conference Institute’s 17th National Conference on Litigating Disability Insurance Claims, taking place in Philadelphia on January 22 – 23. As part of our media partnership, Disability Insurance Lawyer Blog readers are eligible for a $200 discount when registering for the conference (Discount Code DIL200). The Disability Insurance Lawyer Blog is proud to serve as the exclusive media partner for this prestigious national conference, which brings together professionals from all sides of the disability insurance litigation arena and provides a valuable opportunity for us to get to know adversaries and supporters better. Jason Newfield will be the only plaintiff’s attorney in a panel discussion on the latest trends in the discovery process in disability claim actions. Conflict of Interest Discovery, the Scope of the Administrative Record and the Fiduciary Exception to the Attorney-Client Privilege are key topics that will...
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