Anyone making a claim for disability insurance benefits needs to be aware that they can, and likely will at some point be under the careful and close scrutiny of a private investigator armed with video cameras. They may be parked outside your home in the classic low-budget spy thriller van, or they may be watching […]

Trying to advocate for yourself once you’ve been admitted to a hospital is practically impossible. If you are lucky enough to have a family member who knows the ins and outs of hospitals and health insurance, you can focus on getting better. If you don’t, the hospital social worker will go toe-to-toe on your behalf […]

A New Jersey doctor has been on residual disability with UNUM for over ten years as a result of a sickness that limited his ability to practice as an obstetrician/gynecologist. The language of his UNUM policy states that if he becomes totally disabled before age 65 because of an Injury, UNUM must pay benefits for […]