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 slanted medical reviews by insurance companies and subsequent mishandling or distortion of the evidence. Independent Medical Exams (IME) and Medical Reviews by Insurance Companies In most disability claims, an insurer will use an in-house doctor (or nurse) or will hire a third party consultant to review a claimant’s medical records. Sometimes the medical reviewer is not a doctor at all. In most cases, the medical reviewer forms opinions that are …

Insurers frequently deny disability benefits based on the lack of “objective medical evidence.” This can make or break your claim. Our video begins with a reminder that disability insurance companies are always looking for ways to reduce their liability. They want to cut costs, and so have developed strategies and tactics by which they are able to reduce long term disability benefits – and even deny benefits altogether, or terminate existing benefits. One practice insurers often use is to continually ask you for objective medical evidence of disability. This strategy works particularly well if a disability is based on self-reported symptoms – …

Should you be required to have objective evidence in order to win your long term disability insurance claim and get the benefits you need? At first glance, the answer to this question seems fairly obvious: yes. If your insurer is going to send you a disability check, there should be an objective way to prove that you are suffering from an issue that keeps you from working. But how does this requirement for objective proof work for conditions where there are no known objective tests that can provide proof? Should these people be automatically denied because the testing just does not exist? …

If your long term disability claim for Epstein-Barr virus (EBV) was denied, the attorneys at Marc Whitehead & Associates may be able to help. Many times, claims for this illness are denied on the initial filing. If this has happened to you, do not lose hope. When you are unable to work as a result of contracting EBV or from complications of this disease, you must consider hiring a skilled disability attorney to assist you. There are numerous hurdles and concerns that you will not be aware of. Experienced counsel can best protect your rights. What Is Epstein-Barr Virus? EPV is an infection …

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 …

Subjective disorders are those conditions where symptoms are noticeable only to the patient, such as pain or fatigue. When you are experiencing physical or mental distress, nothing about it seems very “subjective.” But when it comes to actually receiving a diagnosis and getting long term disability insurance benefits through your insurance company, there are several disorders that tend to fall on the borderline, and that can make it more difficult for you to get the help you need. How Will Subjective Disorders Affect Your Long Term Disability Insurance Claim? Despite the fact that these disorders are medically recognized problems, their very nature makes …

Were Your Denied Long Term Disability Benefits on a Chronic Fatigue Syndrome (CFS) Disability Insurance Claim? Specific obstacles must be overcome in chronic fatigue disability cases. We have helped many clients receive the CFS disability compensation they desperately need, and we can help you. Chronic fatigue is difficult to measure. Although abnormal results on brain MRI and white blood cell count have been reported in CFS patients, no specific tests exist that medically confirm the diagnosis of chronic fatigue. Physicians must base diagnoses on specific symptoms and physical signs, after ruling out other possible causes. This is one reason claims for chronic fatigue …