As a Louisiana long-term disability lawyer, our office received a call recently from Janice – a very nice, 56-year-old accountant who was dealing with coronary artery disease (CAD), diabetes, and chronic degenerative disc disease. Janice worked as an accountant at a large, chemical manufacturing facility for almost 25 years. She had to stop working due …
Will the Long-Term Disability Insurance Company Spy on Me?
One of the most frequently asked questions I receive as a Louisiana long-term disability lawyer is “Will my long-term disability insurance company spy on me during this process?” More often than not, unfortunately, the answer is YES! I have piles of videos right here in my office of hard-working claimants who are fighting for disability …
Do Social Security retirement benefits affect my Long-Term Disability payment?
Recently, a client who called our office posed an intriguing question about long-term disability. For privacy, we’ll refer to this caller as “Al.” As a Louisiana long-term disability lawyer, I found Al’s inquiry particularly thought-provoking. Here is our exchange: “Al, let me see if I understand your question correctly,” I asked. “You have been receiving …
Am I required to provide my financial information to my Long-Term Disability Insurer?
Well – it depends. If you are a Louisiana doctor, dentist, small business owner, accountant, lawyer, or another professional with an individual disability policy, you may. If you have group long-term disability coverage, your employer probably has already provided the information or minimal information may only be required. Your policy will include specific information about …
Will new ERISA Disability regulations affect your disability claim or appeal?
As of right now, beginning January 1, 2018, the regulations that control ERISA disability claims and appeals will change. As a Louisiana long-term disability lawyer, I feel this is great news because these new regulations will provide much-needed protections to many short and long-term disability claimants. These important changes to ERISA law are the result …
How Does a Long-Term Disability Lawyer Help in My Claim?
I have spoken to many people who I simply could not help because all they did was what the disability insurance company told them to do all the way up to the time they received their final administrative denial letter.Basically, all they have to support their claim is the minimum information the insurance company wants. …
What is a Substantial and Material Duty?
Substantial and Material duties are the duties required for the performance of your regular occupation that cannot be reasonably omitted or modified. As a Louisiana long-term disability lawyer, one example I offer is, if you are a truck driver and we removed sitting for long periods from your job description, your occupation would no longer …
What does a Fully Favorable, Partially Favorable, or Unfavorable Notice of Decision Mean?
Following your hearing, you will receive a Notice of Decision in the mail from the judge stating that a decision has been made on your claim. You’ve been eagerly awaiting the Social Security decision letter for a while, so you open it up and right under your name and address you hopefully see: “NOTICE OF DECISION—FULLY …
Was Your Long-Term Disability Claim Denied By Liberty Mutual?
Was Your Long-Term Disability Claim Denied By Liberty Mutual? Delivering Timely Service When It’s Needed The Most? Liberty Mutual’s Track Record Proves A Different Story. According to a report written by the American Association for Justice, Boston based Liberty Mutual Insurance Company leads the way in consumer complaints and comes in 10th in its listing of …
Did Principal Deny Your Long-Term Disability Claim?
Principal Financial Group was founded more than 140 years ago and is the third-largest provider of group insurance benefits, including disability insurance, in the United States. They also offer insurance and financial services in more than 80 countries worldwide. A Fortune 500 company, Principal reported more than $14 billion in total revenue in 2018. Principal …
Why Did Dearborn National Deny My Long-Term Disability Claim?
Founded in 1969, Dearborn National has over 1,100 employees nationwide and reports annual net revenues of nearly 1.4 billion and total assets of nearly 3.7 billion. Formerly called Fort Dearborn Life Insurance Company, Dearborn’s parent company, Health Care Service Corporation (HCSC), is acclaimed as the largest health insurer in the U.S. that is customer-owned (rather …
Why Did Aetna Deny My Long-Term Disability Benefits?
Aetna, a CVS Health Company, was founded in 1850 and is now one of the giants of the insurance industry. A Fortune 100 company, Aetna employs nearly 50,000 people worldwide and has an estimated 37 million clients. In any given year, Aetna collects nearly $30 billion in premium revenue. Aetna sells a variety of health …
