Disability Insurance Benefit Tips

If you have an individual or group long term disability policy with Standard, you may assume that accessing these disability insurance benefits will be as easy as filling out the claim form and providing a release for your medical records. But regardless of which insurance carrier holds your policy, the disability process is rarely so simple. The below tips and ...

If you're a Prudential long term disability insurance claimant who has been on claim for a month or two, you may be interested in getting a lump sum buyout of your insurance policy. But although Prudential does offer this as an option for many claimants, it's never obligated to buy out disability claimants - and when it comes to your lump-sum disability buyout o...

In Deborah Holmes v. The Prudential Insurance Company and Bekaert Corporation, the Plaintiff was employed by the Bekaert Corporation (Bekaert) when she was injured at work. She filed a lawsuit unrelated to ERISA and her employer settled with her. In addition, Plaintiff and Bekaert entered into a separation agreement in which Plaintiff signed a general release of legal claims ...

If you've recently submitted a claim for long term disability benefits to Dearborn National, or if you're considering submitting a disability claim in the near future, you may be anxious about what to expect and how long the claims process will take. Learn more about what you should be able to expect after filing your claim for long term disability benefits from...

If you're covered by a long term disability policy offered by Canadian-based carrier Sun Life, you may never have expected to have to submit a claim for disability insurance benefits. At Dell Disability Lawyers, we've handled thousands of these claims and are familiar with the tactics Sun Life and other disability insurance carriers use to try to avoid paying di...

When it comes to long term disability (LTD) insurance, every UNUM disability insurance policy is written a little differently. But while many disability insurance  claimants may mainly be focused on the maximum benefit period - or the maximum amount of time the claimant can receive benefits under the policy, often age 65 - this benefit period may carry less...

One common question we're asked here at Dell Disability Lawyers is, “exactly how long a disabled claimant needs to be out of work before they can apply for long term disability insurance benefits?” The answer can vary from case to case based on a disability insurance claimant's unique circumstances, and there's no one-size-fits-all response. Learn more a...

The question, How do I ask my doctor for assistance with my disability benefit claim? is top of mind for all claimants applying for disability insurance benefits.Every disability insurance claim has to have supporting medical documentation of the claimants disability in order to receive approval from the disability insurance carrier.Without proper docu...

Answer: If your state has legalized medical marijuana then we have never had a client that has had their disability insurance claim challenged due to the use of medical cannabis. If your doctor is prescribing marijuana / cannabis then it would be unreasonable for the disability company to give you a problem....

If you've recently become disabled and are considering filing a disability insurance claim, or want to appeal the denial of your disability insurance claim, you may be wondering whether you need to hire an attorney. In most cases, a disability insurance policyholder can benefit from representation, as these claims can be complicated...

If UNUM denies your long term disability insurance claim, can you sue? Generally, the answer is yes - but with some qualifications. Learn more about what a claimant may expect from the administrative procedures and appeal process they'll need to pursue after UNUM has denied their disability insurance claim.What to expect in a Group Policy...

After you submit your long term disability claim application, the wait for disability insurance approval or denial can seem to take forever. What should you expect while waiting for your disability claim decision, and what should you know about the all-important "elimination period" for disability insurance claims?Factors T...

If you're considering filing a long term disability insurance claim, you may wish you knew the answer to the question weighing most on your mind: will I be approved for long term disability insurance? Unfortunately, there's no quick or simple answer to that question, and your odds of disability insurance approval will depend on factors ranging from the type of disability insurance policy you have (group o...

I recently spoke with a gentleman who called into our office who has been receiving long term disability benefits from Cigna for several years and is also receiving Social Security disability benefits. Employer provided disability policies contain what is known as an “Other Income” provision that identifies all the sources of income that will offset your monthly benefit- the most common of which is Social ...

If you're suffering from a condition that makes it difficult for you to work, you may wonder, “Do I qualify for disability insurance benefits?” Many American workers are covered under either a group or individual policy, and these policies can pay out tens or even hundreds of thousands of dollars in benefits to those who are too injured or ill to work. ...

UNUM Group - the Tennessee-based Fortune 500 insurance company that includes UNUM US, UNUM UK, and Colonial Life - defines disability in its own unique way. This means that the most commonly-accepted interpretations of "disabled" or "disability" may not quite gel with what UNUM considers disabled. What should long term disability insurance claimants know ab...

The term "disabled" is generally seen as synonymous with "unable to work." But do you really need to quit your job before you apply for long term disability insurance benefits? Because many long term disability policies are provided through an employer, quitting your job could mean losing your coverage entirely. Learn more about how your employment sta...

At Dell Disability Lawyers, we get questions about Hartford long term disability policies on nearly a daily basis. As one of the biggest names in insurance, Hartford is a well-oiled machine when it comes to processing (and, sometimes, denying) disability claims. Learn more about what it's like to appeal Hartford's denial of your claim for long term disa...

From a disability insurance claimant's filing of their initial application for disability benefits to a courtroom victory, there are four important times when a claimant can really benefit from the expertise of an attorney. Learn more about how important it is to hire an ERISA-trained attorney if you're seeking benefits under your disability insurance policy.There Are 4 Times You Can Hi...

Around 15 percent of the world's population will experience some sort of disability during their lifetime. In some cases, this disability can be worked around; in others, it may prevent the person from holding down a job or even living independently. What are the most common causes of disability in the U.S.? Learn which types of disabilities are most o...