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Total vs Residual Disability: There is a huge difference between these two levels of disability, and you should never assume the insurer will qualify you correctly. Unfair applications of residual disability is yet another byproduct of ambiguous policy language. Disputes over total vs residual disability benefits are among the most contested issues in long term …
Question: Will my LTD benefits always be there for me? Answer: It depends. With LTD insurance, it is never ‘once disabled, always disabled.’ It is an ongoing, running battle to stay on benefits. When a claim is approved, many people think they are all set to continue receiving their monthly benefit payments until they reach …
The initial application is the most important step in your long term disability claim. When vital benefits hang in the balance, it’s essential your application is handled correctly from the start. The information you send to the insurance company at the beginning of your claim lays the foundation for everything that happens in the days …
At some point during your claim, your insurance carrier may approach you with a lump-sum buyout offer. This is a one-time fixed payment also known as a lump-sum settlement or a policy buyout. The insurer pays you a percentage of the remaining value of your claim. The lump-sum payment replaces the continuing monthly payments. While …
When choosing a disability insurance policy to cover you when suffering an injury or illness, there are many things to consider. Since many disability policies offset or deduct Social Security disability benefits, there may be even more factors to consider when choosing a disability insurance policy. With so many different policy options, it can be …
Those who suffer mental impairments often find themselves facing more than just the insurance company or government program standing in their way of getting crucial benefits. Often it’s your treating psychiatrist, psychologist or mental health doctor who seems to be working against your mental disability claim. It is important your claim has the support of …
Like many of our clients, you may have purchased a private long term disability (LTD) insurance plan through an independent broker. Another common type of long term disability is group disability. These policies are often provided as part of a benefit package through your employer. What sets private policies apart from group policies are: The …
Chances are pretty good that your regular physician wouldn’t diagnose you with a specific ailment without seeing you first, right? Why, then, is it considered okay for forensic psychiatrists to offer their professional opinion on a person – an opinion that may go a long way towards deciding whether or not that individual gets the long term disability insurance benefits they need – without conducting a personal examination?
The answer is that it isn’t considered okay – usually.
Are you applying for long term disability insurance benefits for CFS? Here’s important Information to help you understand and prove Chronic Fatigue Syndrome to the insurance company.
Chronic Fatigue Syndrome, or CFS, is one of five conditions that are commonly labeled as “subjective disorders.” What does this mean? It means that they can’t be proven through objective medical testing.
Because of this, long term disability insurance providers typically fight hard to deny these types of claims. If you want to get the benefits that you deserve, you need to understand how the condition works, what kinds of information and documentation is necessary for a diagnosis, and how to convince your long term disability insurance provider that you truly are dealing with an issue that prevents you from working.
AETNA is among the biggest long term disability insurance providers in the United States and many of our clients have suffered from a denial of their AETNA benefits claim. Our disability lawyers represent AETNA LTD denials at the appeal or lawsuit stage.
Our firm successfully represented a 48 year old woman, from Savannah, Georgia, in her recent appeal of an Aetna Life Insurance Company’s denial for long-term disability (LTD) benefits. We were able to take the responsibility for the appeal off of her shoulders and win her the benefits that she deserves.
