A New York Federal Court has determined that Liberty Life abused its discretion in denying benefits to a long term disability insurance claimant who suffered from both cardiac problems and secondary depression. The Court reviewed a report and recommendation from the Magistrate Judge and upheld the recommended decision to award benefits to a claimant, whose […]

Being a dentist doesn’t seem like a physically demanding job, until you follow one around for a day. They spend the entire day on their feet, leaning over patients, holding their head and arms in awkward positions to get the right angle and the right amount of pressure on the patient’s treatment area. It’s actually […]

Let’s imagine you are a working person and your employer has decided to add something new to the disability benefits that will give employees more choices. You learn about a disability insurance option that allows you to buy varying types of coverage. Sort of like buying car insurance – you can pay a lower premium […]

While the demise of the entire Social Security system has been in the headlines for decades, little attention, if any, has been paid to the disability portion of Social Security. According to a recent item in Bloomberg Business Week, disability insurance funds are projected to be gone by 2016. That means a few things, none […]