You file a claim for long-term disability benefits under your employer-provided policy. You get a letter back from the insurance company saying – “Sorry, your condition is a pre-existing condition, so we don’t cover you.” Long-Term Disability Denial for Pre-Existing Condition Here’s the thing – most long-term disability policies contain a clause that allows the …
In Hamilton v. Standard Insurance Company, the Fifth Circuit Court of Appeal upheld the insurer’s decision to deny long-term disability benefits to a disabled worker. In this case, a phone company employee submitted a claim for long-term disability benefits alleging MS, fibromyalgia, and Lyme disease. The long-term disability insurer denied the claim and the Court …
Shell Norco Manufacturing Complex Shell Manufacturing Complex in Norco, LA is the second largest employer in St. Charles Parish. Featuring both refining and chemical facilities, Shell Norco Manufacturing Complex is recognized as one of the largest petrochemical facilities in the United States. According to Shell’s website, approximately 1,200 people are employed at their petrochemical facility …
Located in Norco, LA, and built in the 1980s, the Valero St. Charles Refinery is one of the newest oil refineries in the United States. With over 600 people under their employ, Valero ranks safety as their foundation for success. Though Valero claims to have received the highest plant safety recognition by the U.S. Occupational …
The Disability Management Sourcebook estimates that over the last 25 years, the number of working people between the ages of 17 and 44 who suffered from a severe disability increased over 400%. According to the Council for Disability Awareness, long-term disabilities have grown four times faster than the increase in the number of employees in …
Under the terms of most group long-term disability policies received through your work/employer, to receive your benefit, you must first prove that you are unable to perform your own occupation. As a Louisiana long-term disability lawyer, I know describing your job duties is important. Many claimants do not realize the importance of this. They will simply …
Stress, anxiety, panic – these are common emotions felt by those fighting for long-term disability. The process is more difficult than you expected. You are dealing with a medical condition that prevents you from doing your job and this insurance company wants you to provide information over and over again. Now they say – you …
Disability insurance companies play a numbers game – they know that for every 10 denial letters they issue, only a couple of claimants will make their way to an experienced long-term disability lawyer. Good thing for the insurance companies. Bad thing for unsuspecting and disabled claimants. Here is an example of a dishonest claim practice …
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