Frankel & Newfield has published several articles on fourth article, we invite visitors to the site to ask about issues they face concerning their Long Term Disability Insurance policies. We also review some of the basics that claimants need to know, including when claims need to be filed, the importance of the treating physician to […]

When you sign up for LTD insurance or purchase private LTD insurance on your own, you are embarking on a legal and contractual relationship. Unfortunately, the policies are complex, even by legal document standards, and are next to impossible for the layperson to easily understand. To make matters worse, policies that are part of an […]

A Federal Judge in New Jersey has determined that a decision to terminate long term disability insurance benefits to a claimant suffering from lupus, rheumatoid arthritis and other conditions was arbitrary and capricious. The Court undertook an analysis that accounted for a number of case specific factors, taking guidance from the United States Supreme Court’s […]

A recent decision from the Federal Court in Pennsylvania has chastised CIGNA’s claim handling conduct and awarded back benefits to an insured whose claim was terminated by CIGNA based upon its effort to apply the wrong standard of disability. CIGNA terminated the claim on the purported basis that the claimant was able to work in […]

Here’s some good news and some bad news about disability insurance for physicians. The good news is this: a smart person at The Employee Benefits Group division of Sun Life Financial has figured out a new benefit to offer their doctor, dentist and medical practice policyholders of disability insurance policies – a Malpractice Insurance Reimbursement […]

Regardless of the challenges presented by disability insurance companies to claimants, disability insurance is something that everyone who works for a living should have. During the course of a working life, the likelihood of becoming disabled is higher than the likelihood of dying. A recent study related by The Hartford, a major disability insurance company, […]

Our client held a highly demanding position in senior management for a large international company. She filed a claim for long term disability insurance benefits with MetLife, suffering from severe depression, anxiety and panic disorder, combined with physical disabilities, including Fibromyalgia and degenerative osteoarthritis, accompanied by pain, fatigue and weakness. MetLife accepted the claim and […]

Our client held a highly demanding position in senior management for a large international company. She filed a claim for long term disability insurance benefits with MetLife, suffering from severe depression, anxiety and panic disorder, combined with physical disabilities, including Fibromyalgia and degenerative osteoarthritis, accompanied by pain, fatigue and weakness. MetLife accepted the claim and […]

We are pleased to share an article recently published in ACA NEWS, published by the American Chiropractic Association, the largest professional association in the US representing doctors of Chiropractic. The article explores the concerns and hurdles faced by chiropractors when filing a long-term disability insurance claim, and why filing an LTD claim for yourself is […]