Disability Insurance Industry News

Disability Insurance News:
Hartford Long Term Disability Benefit Denial Reversed by Minnesota Federal Judge
Nationwide disability insurance attorneys Alex Palamara and Gregory Dell discuss the importance of strong medical support and proper medical documentation.


Disability Insurance News:
Hartford Disability Company Field Interview Request and Video Surveillance
Hartford Disability Company, and other disability insurers, use video surveillance and field interviews as a technique to deny claims. A recent federal court case found that Hartford correctly terminated long term disability benefits for a claimant who was caught on video surveillance engaging in activities which she had claimed she could not do.


Resolved Cases:
Lincoln Financial Reinstates Disability Benefits To School Teacher
Following an Appeal submitted by Dell & Schaefer, Lincoln approves disability benefits under the any occupation definition to a school teacher with cognitive issues.

FAQ: Disability Companies:
If I Sue Unum for a Disability Insurance Denial, What Should I Anticipate?
Disability insurance Attorneys Gregory Dell and Stephen Jessup discuss the numerous issues that a long term disability claimant should expect when filing an ERISA disability lawsuit against UNUM.


FAQ: Social Security Disability Benefits:
Does Social Security Approval Mean Disability Insurance Benefits Will Be Paid?
The answer to this question is NO and a recent case brought by a FEDEX employee against Aetna insurance company is an example of an SSDI approval and a long term disability denial.


Disability News:
Liberty Wrongfully Denies Long Term Disability Benefit Depression Claim Based on Filed Review
Mental health conditions such as anxiety and depression are two of the most common causes of disability. In a recent case against Liberty Mutual, a pediatrician claimed he was unable to work due to anxiety and depression.

Volunteering is a wonderful way to improve community life, to give back, and to help others in need. However, if you are receiving disability insurance benefits you may be putting your benefits at risk. In this video, Attorneys Gregory Dell and Rachel Alters discuss what you need to know before you volunteer if you are receiving disability insurance benefits.

FAQ: Appeals & Lawsuits:
What Should I Expect When Suing Prudential for a Disability Insurance Benefit Denial?
Disability insurance lawyers Gregory Dell and Rachel Alters discuss their experience in handling ERISA lawsuits against Prudential.


Resolved Cases:
Cigna Overturns Denial Following Dell & Schaefer Appeal
Ms. D contacted our firm when she was denied long term disability benefits by her disability insurance carrier, CIGNA. Ms. D was a Catheterization Lab Tech and was often required to perform her duties during stressful situations involving emergencies like heart attacks and other life-threatening events. She was required to be on call for a minimum of 24 hours, often 2-3 times per week. She had a demanding job that required her to have the ability to maintain focus and concentration.


Resolved Cases:
After appeal filed by Attorney Jay Symonds, CIGNA overturned its previous denial of short term disability benefits for New Jersey Project Manager
Our client, Mr. W, formerly worked as a Senior Project Manager of an Industrial building/construction contractor. In May 2015 a number of medical issues, including chronic pain syndrome, cervical post laminectomy syndrome, cervical pseudarthrosis, as well as degenerative cervical joint disease, cervical facet arthropathy, spinal stenosis, forced Mr. W to stop working and submit his claim for disability benefits, first under his employer’s short-term disability (STD) policy and then continuing under its long-term disability (LTD) policy.


Disability Insurance Claims News:
California Court Rules Disability Claim Accrues When Disability Terminates
Soon after plaintiff left work, the television station fired him. He only learned from another employee that he had long-term disability coverage through the television station and that United was the insurer. The employer refused to give him a copy of the policy, and he did not receive one until after his attorney filed a suit for wrongful discharge and retaliation. Plaintiff then filed a claim for long-term disability benefits.

In this video Attorneys Gregory Dell and Cesar Gavidia discuss the importance of treating doctor’s to document every complaint and limitation of a disability insurance claimant. They also teach you how to keep your complaints and limitations journaled for your medical team.
Continue Reading Failure of Comprehensive Doctor Documentation Can Result in a Denial of a Disability Insurance Claim

Disability insurance policy holders that have been denied benefits have to act expeditiously to reverse their denial. There are two types of LTD policies – ERISA – purchased through your employer or an Individual disability insurance policy – purchased on your own. Each type of plan has their own set of guidelines to appeal a denial of benefits. In this video attorney Gregory Dell and Stephen Jessup discuss the processes to appeal your denial.

A lump sum buyout, also known as a disability settlement, is one payment for the agreed upon value of a claimants disability insurance policy. After this onetime payment is made, the claimant will no longer be paid benefits on a monthly basis.
Continue Reading If you are currently receiving long-term disability benefits from your insurance carrier you may be able to receive a lump sum buyout

In Corey v. Sedgwick Claims Management Services, Inc., plaintiff Bruce Corey began working as a machine operator for Eaton Corporation in 1987. Beginning in February 2014, he was periodically granted short term disability benefits when he took a few days off of work due to cluster headaches. On May 8, 2014, Corey quit working completely and again applied for short term benefits.
Continue Reading Due to Lack of Objective Evidence, Ohio Court Upholds Sedgwick’s Denial of Short Term Disability Benefits

Plaintiff Christina Saunders was employed by Proctor & Gamble when she had surgery for an ectopic pregnancy. At that time, disability claims for those employed by Proctor & Gamble in Michigan, like the plaintiff, were handled by a third party administrator, the Reed Group (Reed). Even though plaintiff did not return to work on the date her doctor said she could, Reed approved her for total disability benefits.
Continue Reading Court Affirms Procter & Gamble’s Termination of Long Term Disability Benefits