Disability Insurance Lawyer Blog

Disability Insurance Companies are All About the App – Why We are Not

Hartford has launched a mobile app that allows policyowners to file for disability claims on their smart phones. Users can file for short term claims, update personal data, and conduct much of the entire claims process through their phones. Kudos to Hartford and CIGNA for getting with the times and the technology. We expect that eventually all disability insurance companies will have mobile apps. Downloading forms and submitting them by mail seems so last century – but we advise our clients to think carefully before they file their disability claim with an app. It may feel as friendly as the app that you use to track your steps, or the one that you use for banking. We use plenty of apps in our personal lives. But a disability insurance claim is an important financial document. How the claim turns out can make the difference between a comfortable life and descending into serious...
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Frankel and Newfield Exhibiting at GLIDM – Tuesday, April 14 and Wednesday, April 15

If you are attending this week’s GLIDM - Greater Long Island Dental Meeting- taking place on Tuesday, April 14 through Wednesday, April 15, Justin Frankel and Jason Newfield will be on hand and we hope you’ll stop by to visit our booth. We’re also speaking at GLIDM this year, sharing valuable information during our presentation on Wednesday, April 15, 6:00 PM. Justin Frankel and Jason Newfield will present a 3 CE credit course titled “One Out of Three Dentists,” discussing the challenges facing dentists when they have to file a long term disability claim. Frankel & Newfield is a top-rated disability insurance law firm that represents many dentists, and our presentation will focus on important information that you need to know, should you have ever have to file a disability claim. According to an analysis of claims from ADA members covered by the ADA disability income plan, one out of three dentists...
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Court Finds for ERISA Disability Claimant, Reinstates Benefits

A Federal Judge has determined that an ERISA disability claimant, a senior human resources representative, suffering from both physical conditions and mental health problems, was entitled to continued long term disability insurance benefits, finding that the claim administrator failed to properly consider the claim, which presented with co-morbid health issues. The Court determined that the claim administrator improperly “bifurcated” its consideration of the claim issues, and thus failed to consider the combined impact of the physical issues and the mental health problems which were collectively causing impairment. The claimant, whose long term disability insurance claim was denied, suffered from orthopedic problems, fibromyalgia, and spondylosis. The doctor considering the claim on behalf of the administrator determined that “fibromyalgia is a treatable condition” and thus, the claimant was not impaired as a result. The doctor considering the mental health issues involved in the claim determined that due to the claimant’s ability to perform...
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Lloyds of London Denies NFL Receiver’s Disability Claim

Marqise Lee, former USC receiver, and current NFL player for the Jacksonville Jaguars, sued Lloyd's of London after his disability insurance claim was denied. Lee, who purchased a $5 million loss-of-value insurance policy in August 2013, was denied on the grounds that he misled insurers about his injury history. Lee purchased the policy for premiums of $94,600 to cover loss-of-value and total disability insurance. He filed for a claim two weeks after NFL draft day, filing medical documents which showed that his knee was treated throughout the USC Trojan’s season in 2013. Lee’s injury took him down from a first round draft prospect to a second-round pick as the 39th overall selection in the 2014 NFL draft. His salary was therefore substantially lower than it would have been if he were drafted in the first round. The policy was purchased to cover the difference between his rookie NFL contract and a $9.6...
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