One of the biggest challenges for ERISA claimants is that there claim can be denied or terminated based largely upon an opinion which is specifically paid for by an insurance company. Many of the largest LTD insurance companies regularly rely upon a limited number of doctors, who perform “paper reviews”, never personally examining a patient, […]

More than 30 million Americans between the ages of 21 and 64 are disabled, and more than 25 million Americans are not able to work because of a disability. As the American population continues to age, these numbers are only going to increase. Most of these people were healthy, active and functioning until they experienced […]

Our client contacted us after CIGNA denied a claim for long term disability insurance benefits for a psychiatrist based on the results of an IME – Independent Medical Exam – that claimed that he was cable of performing sedentary work. The doctor who conducted the IME was of course generously paid by CIGNA and we […]