You Counted on Their Promise to Pay. Make Them Keep It.
We Have Been Making Them Keep Their Promises for 30 Years
Profound anxiety can be as disabling as any physical illness. Claims filed requesting disability benefits for anxiety can be among the toughest claims to win. To prove you’re disabled, what do the decision-makers need to see? If you have been unfairly denied benefits based on anxiety, we have important information to share with you to …
When you have trouble breathing, when your body cannot get enough oxygen, continuing to do your job and earn a living is very difficult, if not impossible. Simple everyday activities, such as walking, pushing a vacuum cleaner, or maintaining concentration become huge challenges. Lung disease and breathing disorders come in many forms. Symptoms range from …
If your Lincoln Financial disability claim was denied, you must submit an appeal that’s written to win. In this article, we talk about Lincoln’s claim handling practices and share insights into how to appeal to Lincoln most effectively. If you believe Lincoln treated you unfairly or made a mistake, Marc Whitehead and Associates may be …
Biased medical reviews and exams can bring down a deserving disability claim. The above video discusses the process to appeal a disability insurance claim denial. Appeals often mean you must argue against the insurance company’s slanted medical reviews and subsequent mishandling or distortion of the evidence.
What every veteran must know about the (now discontinued) RAMP appeals decision process, the new Appeals Reform law (AMA) and how they affect your claim. Now concluded, the RAMP appeals process served as the pilot program for the streamlined, 3-laned review framework as set forth by the new VA appeals law. The modernized VA appeals …
Common questions disabled claimants have at this time of year are, “Can I deduct my attorney fees and expenses I incurred to get my disability benefits back after the insurance company denied them?” and “Has this changed under the new Trump Tax Plan that has restricted itemized deductions?” Below I will explore this question and …
A technicality that surprises many Social Security Disability claimants is a rule called the “date last insured” (DLI). This date is the last date you are eligible to receive Social Security Disability Insurance (SSDI). While there are many factors involved, your DLI generally expires around five years after you stop working. Regardless of your disabling …
If you are a veteran diagnosed with sleep apnea, you may be eligible for VA disability benefits. You may also be one of thousands of servicemen and women frustrated with their service-connected sleep apnea claims and the VA benefits system. And it’s no wonder, as these claims are often denied by the VA. Service connection …
You’ve suffered a crippling disability from a serious illness or injury, and can no longer work and earn a living. Life as you know it has been shattered. Your medical bills are already far beyond your ability to pay. Fortunately, you have a long term disability insurance policy with Unum, so you’re protected financially. You …
Today I want to talk about one of the nastier tactics that insurance companies can use to harm your workers disability claim and deny your benefits. It’s called separating impairments.
What does that mean? Well, many times if you’re applying for disability benefits, you have a variety of things wrong with you. Maybe you suffer from severe migraines and debilitating back pain or depression and anxiety. Whatever the specific impairments you have, their combined effect on you makes you eligible for disability.
But insurance companies often have a policy of separating out each of your individual problems and sending each one out to a different disability specialist – a doctor who specializes in that specific impairment. Their argument is that it’s better to have people who are experts in particular areas looking at those problems rather than asking a doctor to make a judgment about something when it isn’t his or her specialty.
