We do not handle social security disability claims

January 2011 Archives

Appeals Court Reverses, Orders Retroactive Disability Benefits

A Federal Appeals Court, for the Third Circuit, has reversed a lower court ruling and awarded the payment of long term disability insurance benefits to a claimant, a commercial pilot, whose benefits had been terminated. The claimant, who suffered from severe mental health problems, finally has success to an odyssey that began in May 2003 […]

Met Life Abuses Discretion On Fibromyalgia Claim

A Federal judge has ordered Met Life to pay continuing long term disability insurance benefits to a claimant suffering from fibromyalgia, where Met Life sought to apply a limited pay period to the claim, alleging that the impairment was due to depression, rather than fibromyalgia. The Court took issue with Met Life’s claim posture, seeking […]

Disability Awareness Survey Results

The Council for Disability Awareness has reported on its 2010 Consumer Disability Awareness Survey. The results are interested, in that there is a disconnect between perceptions of the public and reality. As one example, most surveyed believed that disability was most likely to be caused by an accident, while in reality, less than one in […]

Decline In Claims Due To Recession?

A report published by the National Business Group on Health has found that both Short Term Disability and Long Term Disability claims dropped by a substantial amount, a result which is being largely attributed to the recession. However, the costs associated with the Long Term Disability claims actually rose on a per person basis. The […]

CAN A DOCTOR BE DISABLED AFTER LOSING HIS LICENSE?

An interesting question in the world of disability insurance benefits is whether a physician (or a dentist, lawyer or other licensed professional for that matter), can be deemed to be disabled despite the fact that their license to practice the profession has been taken away. The answer is maybe, and the answer typically depends upon […]

WHAT IF I HATE GOING TO DOCTORS?

If you have a disability but have not gone to a doctor’s office because you are fearful of doctors or if you are out and out afraid of what a doctor may tell you about your disability, you are not alone. However, if you ever want to successfully file a disability insurance claim, failing to […]

Beware Of The Double Offset

Claimants with long term disability claims who have multiple policies of insurance need to be careful, as the potential exists for both policies to claim an offset for the full amount of benefits received from Social Security, so says a Federal Court in California. Many group insurance policies permit an insurer to deduct, or offset, […]

Depression, Mental/Nervous Disability Claims – What You Need To Know

Similar to claims due to Fibromyalgia, Chronic Fatigue Syndrome and Epstein-Barr, a diagnosis of Depression on a Disability Claim form often sends up a red flag to the claims manager, and a red flag is never a good thing on a disability claim. Depression is one of the most common psychological problems (anxiety is another) […]

PERSONAL BANKRUPTCIES TAKE A MASSIVE LEAP IN 2010

According to today’s Wall Street Journal, personal bankruptcies increased by 9% from 2009 to 2010, with 1.53 million Americans filing for personal bankruptcy in 2010. Most of the filings have originated in a handful of Southwestern states. Personal bankruptcies in California rose by up by 25% from 2009; Arizona followed close at 24% more in […]

Chronic Fatigue Syndrome – Doubts Linger

While a breakthrough was thought to perhaps be found in late 2009, when scientists linked an XMRV virus with Chronic Fatigue Syndrome, last month, several papers published in the journal Retrovirus have cast that link into doubt. The result is a continuation of debate but a lack of action to help those suffering with this […]



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