Disability Insurance Benefit Tips

Answer: It depends, but most likely yes.The group disability policy provided by your employer will most likely offset other income benefits you receive such as:social security disability;worker's compensation;and other group disability insurance, such as a group you may have through an association or other group insurance provider.However, individual disability benefits from your individual disabil...

Earlier this year Lincoln Financial and Liberty Mutual Insurance Group entered into an agreement in which Lincoln purchased Liberty Life Assurance Company of Boston, the group disability and life insurance group benefits portion of Liberty Mutual Insurance Group. For insured with disability or life insurance benefits provided by their employer, Liberty Life Assurance Company of Boston is most commonly known as...

It is common for group disability insurance policies to contain provisions “offsetting” or reducing the monthly disability benefit by other income benefits being received by the insured, such as social security disability, workers compensation benefits and state disability benefits. Also, these same “offset” provisions often reduce the monthly disability benefit by pension or retirement benefits drawn ...

I have recently reviewed first level appeal denial letters from Lincoln in which Lincoln appears to be relying on information through the website/software MDGuidelines as opposed to an internal medical review or a medical review performed by an outside peer reviewing physician. In both instances the initial denial of benefits was predicated upon the review of a doctor identified in the denial letter, to includ...

Attorneys with Dell Disability Lawyers have handled thousands of Long Term Disability claims with all the major insurance companies and have seen the changes that have occurred over the years. Below are some recent trends seen with 10 of the major companies:Aetna: Aetna’s U.S. group life and disability business was recently acquired by Hartford and will make Hartford the second largest group life and di...

Very few occupations carry as much prestige and respect as that of a medical doctor. No other occupation requires such a lengthy commitment to schooling and extended periods of training before one is able to actually start working in their chosen profession. In light of the amount of time and financial investment in one’s education and training most doctors obtain disability insurance policies as a way to in...

Over the past few months we have been seeing an increase in denial letters from various insurance companies that contain information not previously seen. This information includes a notice of claimant rights written in multiple languages, and in the case of final denials of benefits the notification to claimants of the exact date the Statute of Limitations to bring a lawsuit under ERISA to seek one’s benefit...

Neck pain is unfortunately a very common occurrence for people at some point in their life. When neck pain becomes chronic it makes it extremely difficult for a person to commit to a regular work schedule. In this video, nationwide disability insurance attorneys Cesar Gavidia and Gregory Dell discuss their experience in helping long term disability insurance cla...

In October 2017 Hartford Insurance company agreed to purchase the disability and life insurance division of Aetna insurance company for 1.45 billion dollars.In this video nationwide long term disability insurance attorneys Gregory Dell and Stephen Jessup discuss what impact they believe this sale will have on Aetna long term disability policy holders.Con...

In this video disability insurance attorneys Gregory Dell and Stephen Jessup discuss the multiple issues associated with long term disability insurance claims for people suffering with a back related medical issue. A disability claim related to a back condition is one of the top five causes of disability. Back disability claims are highly scrutinized by disabili...

In this video, disability insurance attorneys Stephen Jessup and Gregory Dell discuss multiple things that a Northwestern Mutual disability claimant should be aware of when seeking long term disability benefits. Northwestern is one of the better disability insurance companies and as a result a long term disability claimant needs to always be prepared to prove th...

Metlife is one of the top five largest long term disability insurance companies. They have tons of resources and people that they rely upon to evaluate long term disability claims. Our disability insurance attorney have handled thousands of long term disability insurance claims and have the experience to give a claimant the best opportunity to collect long term ...

As disability insurance lawyers that helped thousands of long term disability insurance claimants, we understand that once disability benefits are denied a claimant can immediately experience financial difficulties. In this video, disability insurance attorneys Rachel Alters and Gregory Dell discuss the importance of submitting a very detailed appeal and why it ...

Substance abuse disorder is a major problem throughout our country and it is a disease that can happen to anyone. Unfortunately doctors working in high stress environments have a high incidence of either alcohol or pain medicine addiction. The claims for doctors are difficult as a substance abuse disorder often results in an event in the workplace and then the d...

On January 19, 2018, Lincoln Financial Group announced that they are buying Liberty Life / Liberty Mutual’s Group Benefits business for $3.3 billion. Lincoln claims that the combined company would be the number one seller of Disability sales with a 14 percent market share.As disability insurance attorneys that have handled hundreds of claims with both Liberty and Lincoln we think that this merger is a go...

When most people think of Rheumatoid Arthritis (RA) the first thing that comes to mind is severe pain and swelling of the joints. More often than not, when a claim is made for disability insurance benefits due to RA, it is based on these complaints of pain. However, as noted in an Arthritis Today article titled “Brain Fog” there does exist a growing body of evidence to support cognitive limitations stemmin...

Metlife has a team of full time employees that go around the country interviewing long term disability claimants. These interviews are often used as the basis to deny a long term disability claim. In this video, disability insurance attorney Gregory Dell some discusses some basic things to expect if an interview has been requested. Our lawyers are available to h...

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. In a recent case, a Fed-Ex employee filed a lawsuit against AETNA following the denial of long term disability benefits. Aetna paid long-term disability benefits for 24 months and then denied benefits when his definition of disabili...

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. This video provides some basic information about the lawsuit process. Our lawyers have helped thousands of claimants nationwide to obtain long term disability benefits....

ERISA disability lawsuits are complicated due to the pro-insurance company laws. Our disability attorneys have handled thousands of ERISA disability lawsuits and Cigna is one of the companies that we sue on a routine basis. In this video, attorneys Cesar Gavidia and Gregory Dell discuss the fundamentals of a disability lawsuit against Cigna. If you have a potent...