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QUESTIONS

  1. Do I have to pay back LTD after receiving SSDI?
  2. Long Term Disability with Hartford - They are Stopping my Disability Benefits
  3. If not the SPD, what document contains the official documentation for my benefits?
  4. My group long term disability insurance allows me to work part time up to 20% of my pre-disability earnings without affecting my benefit. If I take advantage of this, will Unum use this to deny my benefit?
  5. Does the reviewing physician (the doc hired by the insurance company) have to be licensed to practice medicine in the state where the claimant resides?
  6. Do you work with NC State Teachers Long term disability claims?
  7. Using the policy date to cancel disability benefits 3.5 months premature to insureds 65th birthday
  8. Do you take Group Disability cases?
  9. LTD payment adjustment for cost of living?
  10. Retirement SS or Disabilty?
  11. If you get MRI on your back does that count as pre existing condition for back injury 8 months later?
  12. Wrongfully terminate my LTD claim, AND take my qrtly bonus....?
  13. Do I have a case for permanent disability?
  14. Do I have to pay Metlife all the money I got from them?
  15. I pay for extra disability pay but they won’t give it to me claiming comp benefits?
  16. Can I sue Unum for financial stress and emotional stress?
  17. Denied short term disability and need to file for long term with same insurer
  18. Disability claim - Terminated from job next day after asking for help due to disability
  19. Can NYLG just stop payment?
  20. What type of occupational related documentation is requested by the individual carriers when a salesperson files a claim?
  21. Phi violation
  22. Am I required to file for Social Security family/dependent benefits if I don't want to?
  23. Sedgwick denied my STD appeal, is there anything I can do to get my money back?
  24. Can I live outside of the United States and collect long-term disability insurance benefits under my individual or group long-term disability insurance policy? I just read attorney Cesar Gavidia blog and have some questions
  25. How can I mount a successful appeal to a denial of coverage under my employer's Insurance carriers EOI review for Long Term Disability. Or is it a losing battle?
  26. How can I avoid multiple offsets of my private DI policies by my SSDI amount?
  27. Why is Hartford asking for reimbursement?
  28. Bipolar on STD Hartford is LTD
  29. Knee replacement surgery - Short term disability denial
  30. What can I do about my long term benefits that's ending after 2 years?
  31. Where can I find a list of the definitions for an occupation on your website?
  32. MetLife: Mental Health and Physical Disabilities
  33. Symetra STD and LTD appeals process
  34. Unum discontinued the "long term Buy out option" in 2014. I was never aware of or informed of this action by Unum
  35. Non-taxable benefits have become taxable
  36. Can I lose my payment benefits if I invest in the stock market while disabled?
  37. I accepted and deposited a lump sum long term disability payment installment for underpayment from Guardian. Can they ask for money back if I try to work again?
  38. I was denied by Unum twice. What can I do?
  39. Mass Mutual Disability Insurance - Own Occupation Rider, for Dentist vs Other insurance Carrier
  40. Can I sue my disability company for causing me to get fired from job?
  41. Can my employer switch my job because I go on LTD?
  42. Can Principal deduct my social security payment from my monthly Principal disability benefit payment?
  43. Can I get both short term disability and work comp?
  44. Which state statutes apply: the state the insured resides in or the state where the disability policy was purchased?
  45. Do I have to sign the overly broad "AUTHORIZATION TO OBTAIN AND DISCLOSE INFORMATION" form from The Hartford LTD insurance company?
  46. My mother paid many years for a long-term care policy. When she had to be put in an assisted care facility, Prudential won't pay. Do you accept cases like this?
  47. I have submitted my application for long term disability to Mass Mutual and I want to know how long it should take them to make a decision?
  48. Why can Cigna get away with not paying me anything for my disability?
  49. Will Reliance Standard reduce my LTD payments due to my pension benefits or rental income?
  50. If I return to work only part time and decide I can't continue, will Lincoln Financial base my income on when I worked part time or full time?
  51. Do I have to be an active employee to apply for LTD?
  52. Can MetLife deduct the ssdi benefits I receive for my dependent kids from what they pay me?
  53. How Often Does Hartford Review My Disability Claim?
  54. Does Lincoln Financial apply offsets to all claimants equitably?
  55. Can Cigna refuse to give me a copy of my short term disability policy?
  56. Does payback to Lincoln Financial, once approved for SSDI, include the first year?
  57. Is LF's doctor, who never spoke with me or evaluated me, allowed to clear me for work?
  58. Who are the top companies you would recommend for a surgical specialist?
  59. Is child support arrears considered an income offset for Principal LTD?
  60. What can I do if Unum didn't pay for my injury?
  61. Can Prudential deny me if SSDI approves me?
  62. How do I ensure Standard makes a timely decision with regard to my claim?
  63. Is MetLife entitled to overpayment if they realized 15 years later?
  64. Can Unum threaten for fire me at the end of FMLA's 12 week time period? Can Unum deny my benefits if my company does not offer the work Unum thinks I'm eligible to do?
  65. I have Unum disability insurance and they are asking me to speak with them on the phone before I even submit my application. Do I need to speak with them?
  66. Do I have to sign and return MetLife's authorization to disclose my info in order to continue my claim?
  67. Is my plan governed by ERISA?
  68. Why can my employer hold my disability check after The Standard sends it to them? Can I file a grievance with them?
  69. Can LF discontinue my mental health benefits after 24 months?
  70. Can Aetna deny my application on the basis of pre-exisiting condition? Do they discriminate against the mentally ill?
  71. Do you work on a percentage, hourly, or lump sum basis? How much does hiring an attorney cost?
  72. Why did Principal not back me when Social Security did?
  73. How long does MetLife have to render a decision on my application for benefits?
  74. What is the difference between time period of the claim while approved and the time period of the claim while denied?
  75. Do you help with negotiating lump sum settlements of policies?
  76. I want to have a lawyer represent me with my application for disability benefits but I am wondering if this could be a disadvantage for me in getting approved?
  77. Is it too late to file a claim 8 years later?
  78. Why is Reliance Standard trying to recover payments I was awarded through another company?
  79. How does Prudential calculate attorney fees?
  80. Is the policy that was acquired by Hartford from Aetna still the same policy? Does Hartford have a right to recover over payments made by Aetna? 
  81. Will Principal harass me if I don't accept their buyout? And, is it standard for a buyout to be lower than the full benefit paid over time?
  82. Can I ask for another appeal?
  83. Do I have to provide additional proof of my disability that's specifically requested by Reliance Standard?
  84. Should I contact you before submitting my application for a private disability benefit?
  85. Can Lincoln Financial deny a total disability claim approved by a federal judge? Can I get a lump sum payout instead of fighting with them for the next 9 years?
  86. Is it possible to file for LTF for mental health (burn out) reasons?
  87. How Does Guardian Calcualutate my Long Term Disability Benefit?
  88. How long do I have to file my Guardian disability appeal?
  89. Do I have to tell Lincoln Financial that I was denied for SSDI?
  90. Can I sue my PRUDENTIAL LTD for the cost of hiring a disability attorney to get my benefits reinstated?
  91. I found out about my STD policy 120 days late. Can I do anything?
  92. Does my former employer owe me STD that he refused to pay earlier?
  93. Can MetLife cut my monthly benefits by my benefits received from social security?
  94. Will MetLife set me up on a payment plan if I have already spent my back pay from SSDI? Can they arrest me?
  95. Can I collect Social Security and Work Part-Time?
  96. Can MetLife remove my LTD claim from their web site?
  97. If MetLife denied my statement due to Crohn's Disease and then I get hurt for a completely different reason, can I still be covered?
  98. How large of a fee is your service?
  99. Can SunLife offset dependent social security benefits received on account of my wife's disability?
  100. What do I do if LF denied my claim because depression is "mild, not severe"?
  101. If the insurance company admits to wrongfully stopping payments, do they owe me for those years? What if social security back paid me?
  102. How long will it take for MetLife to approve my LTD claim?
  103. Are there successful arguments to appeal Northwestern Mutual’s offset of claimant’s LTB by the amount of SSD benefits awarded?
  104. Does my former employee owe me for the remaining weeks of my STD?
  105. Can I add a physical disability claim to my mental health one without seeing a doctor (hard to get an appointment with COVID)?
  106. Can Lincoln Financial hold back disability check equal to the amount of the 2020 stimulus check? 
  107. Has Hartford been known to pay off doctors? 
  108. I'm in jeopardy of losing everything because of MOO. Can you help?
  109. Can my Long Term Disability extension be declined because my Social Security Appeal’s Process is pending?
  110. Do I have to pay back my STD and LTD after being approved for Widows SSD?
  111. Do you handle CIGNA cases in Florida?
  112. Do I have legal recourse if Lincoln Financial mispoke to me about the status of my claim?
  113. Can I take action to start getting regular payments from Unum?
  114. Can a chiropractor fill out the APS for The Hartford LTD claim?
  115. Before I present my appeal, can I acquire exams and conduct an IME on my own (to avoid bribery/bias from Hartford)?
  116. Can Met Life legally require notes from therapy sessions?
  117. Do I need to be completely out of work to file for disability?
  118. Can I claim a permanent disability to avoid a surgery that requires several months of down time without promising results?
  119. Is it best to hire an attorney first and then file a complaint with Indiana Insurance License Board or do both? How long does it usually take to resolve a case like this?
  120. Can I get a lawyer to get the back pay Hartford still owes me?
  121. Can I fire Allsup and owe them nothing?
  122. How many IMEs can Hartford make you go through?
  123. Will telling MetLife my income make me ineligable for the premium waiver program?
  124. Why does Northwestern ask the questions they do in the "Request for Continuation of Disability Benefits" form?
  125. How can Cigna get away with not answering my calls?
  126. Do I still need to fill out Guardian claim forms if I am eligible for Presumptive Total Disability?
  127. What does Unum mean by "treatment provider"?
  128. Why is Unum requesting updates to my SSDI file? Will they use it against me? Also, do I have to meet with them in person?
  129. Do you handle closed cases only, or open ones as well?
  130. Can Principal's independent physician determine what I can and cannot do?
  131. Can MetLife determine that I am capable of earning over the % of my pre disability income required to receive LTD benefits?
  132. Can Hartford cut off my benefits after 24 months if I have both a mental condition both a mental and physical condition?
  133. Are there any circumstances in which I can appeal LTD after the number of days Aetna gives you to appeal?
  134. How do I access a copy of my STD policy with Reliance Standard?
  135. Is it possible to be approved for state disability but not by my insurance company?
  136. Would it be better to continue to receive benefits from Lincoln Financial or should I seek a buyout?
  137. Which Own Occupation insurance company has the best history of paying for legitimate disability claims?
  138. Does SunLife have a required time to make a decision? Can they request medical records that have nothing to do with my illness?
  139. Can I file an appeal after Met Life's 24 month limitation of payments if I am still in the discovery phrase of my disability?
  140. Can LFG continue claiming I have a pre-existing condition when my doctor says I don't?
  141. Can Aetna deny my claim due to a "war exclusion" on my policy?
  142. Since I live in an apartment, are the common lounge and meeting spaces considered in-home (for my interview)?
  143. Can I lose my Hartford benefits if I also receive an annuity payment?
  144. What kind of documents I should present to the Disability claim of Licoln financial so I can get paid for the days my company put me out of work?
  145. What do I do if Aetna claims they haven't received my medical info?
  146. Can MOO deny my claim on the basis of preexisting condition when my condition is not preexisting?
  147. How can Aetna say I am not disabled when clearly I am?
  148. My policy ends after age 65, but I'm not retiring until almost 2 years later. Can I challenge this?
  149. What should my next step be after Cigna tells me I am not entitled to my life insurance or waiver of premium?
  150. What is my "regular occupation" if I started my own business after resigning from my old job?
  151. Will Lincoln Financial deny my appeal because they have taken so long to form a decision?
  152. Can Lincoln deny me because of my prior cancer diagnosis?
  153. Does Lincoln Financial offer lump sum settlements?
  154. Is a normal pregnancy and childbrith covered as a Sickness if my elimination period is 90 days?
  155. Can Guardian make me file taxes on a non-taxable insurance?
  156. Can Prudential offset my SSDI payment from my LTD payments
  157. Can I deny an interview with Unum?
  158. Why does Hartford want my bank records?
  159. Is it safe to give MetLife access to my Social Security file?
  160. What happens if a policy doesn't mention something I believe I had and paid for (COLA)?
  161. If I'm not receiving the SSDI benefits for my children from Reliance Standard due to custody, should my SSDI benefits increase?
  162. Can The Hartford inclue my son's dependent benefits in my husbands backpay?
  163. Can SunLife deny me on the basis on a preexisting condition
  164. Am I able to work part time at a different job that is nothing like the one I was at when I was injured?
  165. Can I sue SunLife if I signed a Settlement & Release Agreement?
  166. Is there a limit on the number of times Cigna can send me a IME? Also, what is a fair percentage for a buy out?
  167. Is there any case law in which a state government employee LTD plan decided to drop the 24 month mental health limitation? Has there been any success against a state government and Standard using ADA Title I (employee) and 3 (insurance company) from a discrimination basis?
  168. Will receiving my disability retirement in a lump sum affect my payments?
  169. Does Guardian reduce the qualifying income when an STD becomes a LTD?
  170. What exactly does Northwestern mean by "not gainfully employed in any occupation"? 
  171. Where does PTSD fall in to my Guardian LTD?
  172. How can Standard deny my claim and expect me to work when I am disabled?
  173. What amount is CIGNA obligated to provided after dependent benefits end?
  174. Are you familiar with the difference between Berkshire’s Enhanced and Basic residual contract language and how material the language difference could be at claim time?
  175. What is your fee to cover my Hartford claim?
  176. Can I still get my short term disability benefits if I'm terminated?
  177. Can Hartford force me to return to work if I have been approved by SSDI?
  178. Could I sue MetLife 4 years after my denial?
  179. Can I sue SunLife for pain and suffering?
  180. Can MassMutual deny my claim based on a pre-existing condition?
  181. How can Reliance Standard not coordinate with both of my disability insurance policies?
  182. I'm waiting to hear back about my appeal. Should I hire an attorney?
  183. Can Metlife force me back to work part time if my doctors are saying NO?
  184. Is there a way I can get out of allowing Genex and Unum to contact SS?
  185. Can MetLife request a second IME if I already have one that agreed with my dr's?
  186. Why is NVM reviewing my claim when my condition hasn't changed? Is it strange that they requested an in-person review?
  187. Can Cigna refuse to start my payments again, claiming my case was closed?
  188. Is it reasonable for Unum to settle for 25% to avoid an ERISA case?
  189. Do I have to pay Principal back once I receive back pay from SSA?
  190. Is the 2nd appeal process worth it or a waste of my time?
  191. I filed an appeal and lost. Is it worth pursuing?
  192. Is it likely that I can prove discrimination of coverage for mental health defects?
  193. How do I show Unum a C-section has a standard 8 week (not 6 week) recovery?
  194. Can Guardian deny benefits after "own occupation" period?
  195. Is it true that Hartford cannot use my stepchildren's SSDI payments as an offset?
  196. Should I be worried that SunLife is trying to deny my claim by making it seem like I have a mental disorder? Can they deny my claim if I refuse to undergo this needless psychiatric assessment?
  197. Can MetLife request a printout of every payment from SSDI?
  198. Can Standard pull my Social Security benefits from my checking account without my written knowledge?
  199. Can I make a claim against Unum for not paying me for years?
  200. Would MetLife consider a buy out if my condition is idopathic and I have several years left on the disability I received through work?
  201. What kind of information to be used to support my Fibromyalgia claim when there are no tests/measurements to show how much pain and fatigue I am limited by?
  202. If SSA deems me to no longer be disabled, can Standard conduct a review?
  203. Does moving affect my disability case?
  204. Does MetLife have the right to seek repayment 20 years later?
  205. Can I use whichever SSDI attorney or I have to use GenX?
  206. Can I get a lump sum check from MOO?
  207. How does Lincoln Financial calculate their lump sum payouts? Is this an option I should even think about?
  208. How can I get Reliance Standard to pay me the full amount of my withheld SSDI benefits?
  209. Should the money I used to hire a lawyer be taxable? Am I allowed to contact Social Security directly or does the attorney have to contact them?
  210. Can MetLife use a pension from a previous employer (not the employer the DI policy is received from) as an offset to reduce my benefit?
  211. What is clinical review? And what are my chances of getting continual approval during the own occupation period?
  212. Can Principal take away my deceased husband's 3 month survivor benefit? They justified it saying he was eligible for SSDI when he didn't even apply
  213. Have you had any instances where, for example, Prudential requests another 45 days but you file suit because the only special circumstance is that they waited until closer to the 45 day deadline to start looking over an appeal?
  214. What do I do if my short term ran out and Cigna closed my case?
  215. Can MetLife decline my claim on the basis on a pre-existing condition? If they do, will I be in a mess with my employer?
  216. Who is responsible for providing a copy of my policy?
  217. Should I be able to restrict the release of medical records to under 24 months period?
  218. Are there things that can be done proactively to ensure that LFG's 2 year evaluation does not disqualify an insured? 
  219. Is 67 the maximum benefit period for my disability insurance policy?
  220. Will signing a separation aggreement affect my LTD payments from the carrier?
  221. Should I get an attorney if Hartford hasn't responded to my settlement demand?
  222. How long is the Elimination Period when switching from STD to LTD?
  223. Is 6 month reporting normal?
  224. What can I do to stop Aetna from harassing me and realize that not all disabilities are the same?
  225. Should I write an appeal letter? What should it include?
  226. How can I find out what Principal Life Group's definition of disabled is?
  227. What is the difference between long-term disability and life insurance disability? What can I do to make SunLife expedite my claim? Is it OK if I file for Social Security benefits while I am waiting?
  228. Can I sue for bad faith under ERISA?
  229. Since I've been denied SSD will MetLife cancel my benefits (even though dr says I can only work very limited hours)?
  230. I bought a policy that LFG says I was illegible for. They never told me or my employer this. Do I have a case?
  231. Does Lincoln have a right to repayment if I am approved for social security disability?
  232. Can Aetna deny my claim for STD due to pregnancy because it was preexisting?
  233. Can Prudential reduce DSSDI from my check even if my children are not living with me?
  234. Does Mutual of Omaha offer buyouts?
  235. Does the 180 day countdown (to appeal) start when they tell me I'll receive 24 month of benefits or when they actually cut me off?
  236. Is it legal for Principal to take away my benefits if my doctor says I cannot work?
  237. Can I sue Aetna for the pain and suffering they've caused me?
  238. Does Prudential offer lump sum buyouts? Can I move out of the country and work elsewhere and still receive payments?
  239. Can SunLife refuse to provide me with their review information? Is my claim worth appealing?
  240. Do you still handle UNUM denial after some LTD cases?
  241. My child is over 18 and directly received part of my payment from my SSD benefits, can Reliance Standard claim that as part of the overpayment?
  242. How does SunLife treat workmen comp?
  243. My company's disability plan was outsourced to Lincoln Financial, but shouldn't the FMLA process be the same as before?
  244. If my wife applies for early SSA retirement due to the fact that I am on SSDI, will the Standard offset my payments by her SSA amount?
  245. Should I hire a lawyer for my appeal?
  246. Is it legal for Prudential reps to call me from home with kids and people in the background to discuss my personal info?
  247. Am I being taxed for benefits they are not paying me? 
  248. Would I be entitled to a refund from Unum if I was denied and fired from my job?
  249. Is it bad practice for Unum to deny a claim because my wide was on disability prior to getting the life insurance policy? We've been paying on the policy for a year
  250. Why is Hartford asking me if I have a lawyer?
  251. Is Principal offering me life insurance at no cost to affect my LTD?
  252. Can I resubmit my case if my 6 month clause expired?
  253. How long is a reasonable time to ask for a buy out?
  254. If I get my LTD through Met Life and then get approved on my SSD 5 months later do I still have to pay met life back even thought I could not file for SSD for the 5 months by SS regulations? 
  255. Can Aetna exercise a 45 day extender to render a decision on my appeal?
  256. Can Principal deny me for something that has nothing to do with my preexisting condition?
  257. Is it a good idea to get a lump sum from Unum?
  258. Can Metlife stop paying my LTD? Woud I have any legal recourse?
  259. How long is the ERISA disability policy statue of limitatation?
  260. Can I re-establish my yearly option to upgrade Guardian disability insurance?
  261. Prudential's doctor said I wasn't disabled when several others said I was. Can they reuse this doctor to terminate me months later?
  262. Why did Cigna close my case without telling me?
  263. What should I do if my company can't accomade an option for me to work remotely?
  264. Can LFG refuse to send me a copy of my policy? What do I do if they deny on basis of pre-existing condition?
  265. Can Unum deny me on the basis of a preexisting condition?
  266. Are lottery benefits considered earned income?
  267. Why is Aetna taking so long to review my claim?
  268. Do I have to go back to work while waiting for SunLife's reply to my appeal? Can my employer terminate my employment while I am still waiting?
  269. With 20 years still left on my approval, can MetLife do a lump sum buyout?
  270. Can I work a minimum wage job and still receive my long-term benefits?
  271. Is it legal for MetLife to change the definition of disability?
  272. Is Aetna following me or is it SS?
  273. How likely is it that Guardian will agree to a payment plan for an overpayment of benefits? Will they demand the full amount be paid back immediately?
  274. Can I sue Prudential for ruining my life?
  275. Should I ask SSDI about Cigna's surveillance?
  276. Can Lincoln Financial offset my LTD benefits by not only my SS payments but my ex-wife's as well?
  277. How can Cigna claim I have a preexisting condition when they have all of my medical records?
  278. Does an in-home interview mean I will get denied?
  279. Do I have a case for STD? I was denied twice because a) I hadn't been a fulltime employee for 6 months and b) I had ben on FMLA since February.
  280. How can The Standard's doctors be justified in coming to a different opinion that my qualified doctor?
  281. Does Lincoln negotiate lump sum settlements?
  282. Could I get a buy out from Unum?
  283. Can Hartford tell my doctor I shouldn't be present when he fills out their paperwork?
  284. Can LFG force me to look for work since SSDI has approved me? Can they deny the benefits I have left to age 65?
  285. Can I refuse to sign NWM's authoritization form?
  286. My doctor won't fill out a capacity questionnaire, and Prudential won't accept my PT doing it. What can I do?
  287. Will my benefits be affected if I get married?
  288. How can UNUM’s dr.s make a judgement having never seeing me?
  289. What do I do if Aetna says I'm not enrolled in their disability policies?
  290. Is it legal and is there any way I can get lump sum settlement for my LTD policy?
  291. Can Sun Life discontinue my claim for not using the advocator group?
  292. Will MetLife consider my active duty military persion and my VA disability pension as offsets and deduct them from a pending award for group LTD policy?
  293. Does Guardian not have to pay long term diss if I receives social security diss?
  294. Is it uncommon for a carrier to treat TBI as a mental health condition?
  295. Why do allsups get paid more than an SSDI attorney?
  296. Will Hartford deny my benefits if I was denied for SSD? Also, if Hartford has to pay 2 years unless my husband can work a job similar to his old one, will they try to make him work a less demanding job and pay the difference or will he not work for 2 years?
  297. I can perform my job functions, but I can't get to work due to my disability. Can MetLife force me back to work?
  298. Why has Aetna denied my LTD claim I am objectively disabled?
  299. If I am approved for VA Disability compensation, will that amount be deducted from my short term payment amount?
  300. Why is MOO trying to switch my STD to LTD after only 6 months when my policy lasts for 24?
  301. Is it true that I can't go on STD again for the same reason as last time?
  302. Can I deny SunLife's request to have their doctor examine me?
  303. Can a Prudential doctor change my doctor's restrictions?
  304. Does Obama care apply to pre-existing conditions in disability insurance policies?
  305. Do you have an email for contacting Sunlife?
  306. Are there rights to punitive damages under ERISA?
  307. Can Aetna use supplemental insurance as an offset? Are they entitled to reimbursement should I be approved by social security diability?
  308. Is 1 year too late to add new disagnoses to my case? If it's not too late, would they be given the same amount of time payable as stated in my LTD paperwork?
  309. Who can I call if my Cigna Rep. won't answer?
  310. What does it mean if my Life Insurance has been terminated because they didn't receive sufficient medical information? Does this affect my LTD payments?
  311. It's been a year and Prudential hasn't asked for a review. What can I do to go him approved?
  312. What is the deadline to file an appeal with Cigna?
  313. Should I file an appeal if Guardian denied STD due to a preexisting condition that is not actually preexisting?
  314. If I drop the SSI Disability case, will Unum accept that I have been denied twice or will they make me pursue it? If I decide to cancel my Disability case will I be able to get on Medicare?
  315. Can Reliance Standard reduce my benefits due to income coming from worker's compensation?
  316. Can Reliance Standard offset a settlement against my disability benefits?
  317. Can Unum deduct any SSDI that my children receive?
  318. Will my benefits continue until age 65 if I'm not returning to work? Will this change if I'm granted permanent disability through social security? Will my benefits change if I am granted social security benefits?
  319. Should I hire a lawyer if Unum if demanding overpayment from SSD when we didn't want SSD in the first place?
  320. How long does it take after your court hearing date to hear something?
  321. Can the Standard claim I am only entitled to one independent review?
  322. How can I appeal Cigna's decision if there are no written communications explanation the reasons for claim termination?
  323. Can I reopen my short term that Unum denied?
  324. Why would Principal call about a procedure that has nothing to do with why I am receiving LTD benefits?
  325. Can Unum discontinue my benefits if I refuse to apply for RR benefits?
  326. What can I do if Unum will make me subject to a pre-exisitng confition review if I don't return to work when they want me to?
  327. What can I legally do if Aetna isn't paying me? I'm tired of the run around
  328. Is there a process for appeals not being responded to in the time given? Also, how do I access my records?
  329. Do you handle cases for Aetna employees in Georgia?
  330. Why would Hartford's clinical manager call me?
  331. Can Principal send their doctor to evaluate me?
  332. What can I do if Aetna keeps denying my claim?
  333. Does UNUM need to see an ever worsening series of physician reports to keep approving?
  334. What should I do if I'm not contacted once my 90 day waiting period ends?
  335. Do I have to report alternative sources of passive income to Reliance Standard?
  336. Can UNUM characterize my deceased husband's retirement income as overpayment to cut MY benefits?
  337. Reliance Standard recommended Advocator, do I have to pay their fee out of pocket?
  338. If Hartford denies your coverage, do they share their findings with SSD so they also may take your name off their rolls?
  339. Is it worth is to go to court over $2500?
  340. How long will it take Cigna to get back to me? Will my military retiree pay be held against my policy 60%? Will Cigna exploit the disparity in the medical community over my illness?
  341. Can I still fight UNUM for denying my STD and LTD?
  342. If I was approved for LTD through LFG but haven’t gotten a check yet, can I get a buyout to avoid drama with them?
  343. Will my LTD payments be offset by my ex husband's Railroad Retirement Tier 2 benefits?
  344. Why does my husband's Guardian policy not pay for elimination period while mine does?
  345. Can Principal request 10 years of my medical history and 5 years of tax information?
  346. If I have LTD through UNUM, can I move out of state? 
  347. Who is responsible for providing a copy of my policy? And do I have to give Guardian all of the back pay if approved for SSDI to offset payments already made?
  348. Am I responsible for the repayment of any applicable overpayent on account of SSDI for any period of time that Prudential does pay?
  349. Should I hire my own lawyer or use Guardian's advocator group?
  350. How frequently can MetLife request an IME?
  351. What is the appeal process? How can I get a copy of my policy?
  352. Unum's surveillance was wrong, but I got denied. What can I do?
  353. What is Hartford's typical M.O.?
  354. What should I do if Hartford changes their policy to terminate my LTD?
  355. Unum wants me to give them my SSA money for a month I didn’t receive it. Do I have recourse?
  356. Can MetLife reduce my husband's benefit if I am receiving benefits on my own award of SSDI?
  357. Was Unum right to stop my disability at age 65?
  358. Can Mutual of Omaha review my doctor records again because it's only been 1 year since my policy? Can they ask for my SS number and employer ID?
  359. Can SunLife legally make me pay more than the max representatives can hold?
  360. Why does Guardian frequently send me to a FCE, and why do they retain Genex?
  361. Are there rights to damages outside unpaid benefits? Whose responsibility is it to show proof of disability?
  362. Can I still make a claim STD through MOO if I'm getting paid for my time off of work?
  363. Can MetLife deduct money I withdraw from my IRA for additional income?
  364. What do I do if Aetna says they aren't receiving my medical records?
  365. Can MetLife deny my LTD claim in the final stage of getting approved?
  366. Should I let MetLife handle my SSI or should I sign up myself?
  367. Why is Lincoln Financial saying they are due my entire SS disability payment in order to decide what to pay me?
  368. Do I have to allow Unum access to my SSA file?
  369. Do I have any options to void an agreement I signed? Can Signa offset my SSDI benefits?
  370. How does Reliance Standard classify a stroke?
  371. Are my state based disability benefits subject to offset?
  372. Can I sue Cigna even if they do end up paying me?
  373. Do I have to sign Prudential's release?
  374. If I could draw my regular Social Security and dismiss SunLife, would I still owe them?
  375. Can Cigna deny me for not attending a visit with their doctor?
  376. How long can Mutual of Omaha wait to render a decision?
  377. Is there a time limit for Standard to render a decision?
  378. What should I do when my employer refuses to prove me short term or long term plan documents?
  379. My group LTD policy goes through payroll deduction, but my income does not fluctuate. How should I proceed?
  380. Should I be concerned about Unum denying my coverage after sending them extensive medical records?
  381. Can I move to the USA and still get my Standard Life disability payments?
  382. Can I file a state and/or federal complain against Unum for giving me the run around? If not, what's my best option?
  383. Can I advise Cigna to stop making payments if I intend to return to work?
  384. What should I do if Unum wants to cut my mental health benefits after 2 years?
  385. Is Principal entitled to seek payment of the portion of SSDI paid to my attorney? Will they stop paying me when I get my first Social Security check?
  386. How do I know what Cigna considers an earnings qualifier for an “any occupation” occupation?
  387. Can Cigna force me to use Advantage 2000?
  388. Do you have anyone you recommend in the UK?
  389. Can NWM rescind my policy because I forgot to disclose an illness I had 20 years ago? Do I have to sign their release to access everything about me?
  390. Do I have to return to work despite my issues if I can still appeal the denial?
  391. Will Prudential conduct a review of my claim after I've been denied by SSA?
  392. Can I sue Unum for emotional distress while my appeal plays out?
  393. Am I eligible for LTD without surgey? I just have medications and fatigue
  394. Can Cigna offset my SSDI benefits?
  395. Can I file another appeal 1 year later if I find new evidence?
  396. Can I still get compensation from Unum if my claim is not a disability claim?
  397. Should I contact Cigna to ask for something in writing to have it on record?
  398. Will Hartford accept my payment arrangment? Will this cancel my LTD benefits?
  399. Does purchasing coverage automatically entitle me to benefits?
  400. What is the next step after Unum denies my appeal? Do they usually settle with a lump sum or continue monthly payment?
  401. Is it normal for LFG to ask for excessive amounts of paperword and not grant me STD benefits for over a month?
  402. How do I get a copy of my IME report from Principal?
  403. Can Prudential reduce their burden in an ERISA LTD policy for the sale of private investments (stocks/shares etc.) that have nothing to do with employment or wages of any kind?
  404. Do I only get one appeal with Prudential? Do I have recourse for a STD denial?
  405. Who is responsible for giving me an accounting of the overpayment owned? Can I negotiate the amount of repayment?
  406. Are anxiety and depression considered disabilities? If so, what is the likelihood of winning a claim, and should I have an attorney handle it?
  407. Do I have to sign SunLife's Social Security Consent Form?
  408. How many extensions is Prudential allowed to request before they make a decision?
  409. How can Cigna use SSDI as an offset yet not accept me as disabled?
  410. Can I still get insurance benefits if Cigna denied my claim because I coouldn't give them the exact confirmation date of my pregnancy before the cutoff?
  411. What do I do if Cigna keeps denying my claim?
  412. Does Principal use private investigators to conduct surveillance as part of the review of my claim?
  413. What can I do if all of my appeals have been exhausted?
  414. What is the difference between having your case closed versus one that’s denied?
  415. If I attempt to return to work with restrictions due to injury and am still in pain, how do I handle my claim with Reliance Standard?
  416. Is Unum a third administrator for major companies?
  417. What should I do if Aetna denied my claim based on a social media post they saw?
  418. Can Mass Mutual deny my claim due to an issue not included in my physician's formal diagnosis?
  419. Is It common practice for Standard to not return my calls? Should I hire an attorney?
  420. Should I add my physical illnesses to my exsisting STD claim or file a new claim?
  421. Is it capricious if another person's medical information was included in my file and likely used in the determination denial? Would Cigna be liable for other other damages or does ERISA insulate them?
  422. Can I sue Mutual of Omaha?
  423. Can employer provided policies contain provisions that allow them to reduce the amount they have to pay based upon source of "other income"?
  424. Are retirement benefits from a previous employer considered a source of other income subject to offset?
  425. Will filing a lawsuit against Standard work in my favor?
  426. I want to sue Aetna for all that they have put me through. What are my options?
  427. Since I started receiving SSD before LTD started can they legally reduce my LTD?
  428. Should my wife attend Cigna's Rehabilitation evaluation?
  429. Aetna denied my claim because it was due to work related stress. Can I appeal?
  430. Why is Aetna requesting an IME? How should I handle it?
  431. Can Aetna request monthly information?
  432. Is it not my right to have a copy of my own medical records if I request it?
  433. Why can Cigna go against their rule that states if a claimant becomes totally disabled due to a pre-existing condition after the LTD policy with Cigna has been in force for 12 months, they will waive the pre-existing condition exclusion concerning payment of benefits?
  434. Is it true that Canadian insurance companies can't limit mental issues to 2 years?
  435. When a person is dealing with multiple insurers and needs monthly assistance, does your firm provide this service for a certain percentage of the monthly payment?
  436. Unum denied me on basis of preexisting condition and also didn't pay me for 2 years. Can I sue?
  437. Is Unum responsible for providing my claim file? How do I move the process along?
  438. What should I do if Prudential's denial letter has several mistakes in in?
  439. Can I suggest a buyout? Will that create a problem?
  440. Will receiving a settlement from a personal injury affect my monthly Unum Disability?
  441. I have been on LTD benefits for 3 years, but Cina wants an FCE. What should I expect? Do I hire a lawyer?
  442. Can I prevent Cigna from offsetting my benefits by the amount I receive from social security?
  443. Can you explain why NWM is still paying me while my claim is being reviewed? They said if they don't approve it, their accomodation payment is not owed back to them.
  444. Can I get a lump sum buyout? Should I hire an attorney?
  445. Can Aetna ask me for medical records I they are authorized to get them from my doctor? Why are they asking for records from years ago?
  446. What can I do to speed this process up?
  447. How will my social security benefits from retirement affect my LTD with Lincoln Financial?
  448. Can I appeal on the basis or parity? Also, what do I do if Cigna has not sent me a written explanation for my reduction in benefits?
  449. Can Reliance Standard use my son's benefits as offset after the initial offset for SSDI?
  450. Why is Hartford coming to my home, and can I request to meet somewhere else?
  451. Can Unum offset my benefits if I receive SSD?
  452. Can Cigna deny my claim even after approving the same one a year ago?
  453. Why is Hartford sending me an IME only 1 year into my LTD?
  454. Am I required to go to an IME that Lincoln Financial wants me to attend?
  455. Does MetLife need my social security medical records for my long term disability claim?
  456. Why is Cigna doing a "voluntary review" under a state of federal suit?
  457. How do I negotiate to keep some of Unum's SSDI back-pay checks?
  458. Why is Principal investigating my claim 9 years later?
  459. Cigna only sens me a monthly check for the amount offset and refuses to apply my full monthly benefit amount to my claim. How do I fix this? Also, how do I obtain a copy of my policy?
  460. Does UNUM ever deny extension of benefits due to pregnancy or on the other side would my pregnancy be considered a medical condition where they could potentially extend my benefits due to being pregnant?
  461. Should I hire an attorney now or wait until after my appeal is answered?
  462. Can Prudential discontinue benefits because my doctor hasn’t responded fast enough?
  463. Does Unum have a timeline of when they must approve or deny a STD claim? 
  464. Should I be entitled to more money from my survivor benefits through Reliance Standard?
  465. Will Unum stop my benefits if I fail to apply for SSDI benefits? Can I terminate my claim voluntarily?
  466. Does Berkshire offer lump sum buyouts of uncontested disability claims?
  467. Is it illegal for Unum to consider every source of income as income except Vetern's Affairs Benefit Compensation?
  468. My company sent me to a LCSW, but MetLife doesn't think she is a qualified practioner, so they won't look at the claim. What do I do?
  469. I was promised benefits until 66, but Hartford wants to cut them a year early? What do I do?
  470. Will I get denied due to fact I can’t afford my surgery until I get Medicare in a year?
  471. Is Unum allowed to request my entire SS file?
  472. Do I meet the criteria for claiming disability if I have MS?
  473. Am I still eligible for benefits if I resigned from my position without having filed a claim under the policy?
  474. Is it legal for Hartford to set up surveillance outside of my house?
  475. Can I file for SSDI while I'm awaiting an appeal?
  476. Can I still be able to file for short term disability benefits under my employer policy while receiving Social Security?
  477. What do I do if my income was reported incorrectly to Principal?
  478. Since Unum discontinued my benefits, and I was not receiving anything from them, am I still responsible to notify them about social security?
  479. Why can a doctor that I've only seen once decide I'm okay to work? What should I do if Aetna denies me again?
  480. Can MetLife request my tax information?
  481. When it comes to qualifying for long-term disability benefits from Sun Life, can you tell me is PTSD, short-term and long term memory loss considered a mental and physical disability with Sun Life? If I show SunLife proof that I can't work, do they have to continue my benefits?
  482. Can SunLife take 60 days to respond? Can they deny me even when my doctor says I cannot work?
  483. Is it normal for LFG to take nearly 3 months to process a claim?
  484. What do I do if my doctor has me on no limitations, allowing Principal to cut my benefits?
  485. If I don't return to work after I give birth, do I need to pay back any money to Unum (after my maternity leave)?
  486. Unum told me my benefits were their money after I spent it. Can they hold my LTD check and apply it to the balance I owe?
  487. Do I have to have any taxes taken out if I want a lump sum buyout or can I wait to tile taxes in April and pay them then?
  488. Do I need a lawyer to move Unum's decision process along?
  489. If Lincoln denies my appeal, what do I do next?
  490. Can I request a lump sum buyout from Unum ot do I have to wait until they offer it?
  491. What can I do if Unum repeatedly says they haven't received my documents?
  492. Why is Prudential requesting weekly updates?
  493. Will MetLife cancel my benefits if I accept Medicare?
  494. Have you successfully challenged Principal ignoring my physical health issues and only selecting depression so they only have to pay 2 years?
  495. What do I do if Lincoln doesn't think SSD is strong evidence of disability?
  496. if I file before my STD goes into effect, will LFG deny the claim?
  497. How should I best prepare for my 5-year review with Reliance Standard? Does "own" occupation turn into "any" occupation at this point?
  498. Can MetLife cancel a claim if you refuse to update it over the phone?
  499. Can UNUM refuse to add my son's SSDI benefit to my check when he stops receiving it?
  500. Is there anything I can do to receive STD benefits for my pregnancy before my 60 day LTD elimination period ends?
  501. Does being approved by Social Security guarantee that my private disability carrier will continue to pay benefits?
  502. How do I get a copy of my policy and old pay-stubs?
  503. Can The Standard require a POA or Conservatorship/Guardian paperwork before releasing my daughter's benefits?
  504. Why is my SSDI taxable income?
  505. Sun Life just decreased my payments because I am receiving x number of dollars from my medical pension. Can they do this?
  506. Can Unum deny my request to pay them back (overpayment) on a monthly basis?
  507. Do Unum benefits run for a lifetime?
  508. Can Unum deduct any SSDI I receive? If so, why?
  509. Does Prudential have to give me credit for attorney fees? Can they require me to pay them my COLA benefits?
  510. Should I hire an attorney for my appeal?
  511. What will Prudential do if I keep my lump sump payment?
  512. How can I get Reliance Standard to give me a decision on my STD application?
  513. Can Standard decide I am no longer disabled if my condition hasn't changed at all? How do I get a copy of my policy?
  514. What does rental income qualify as in regards to "extra income" and what financial records must I report to Reliance Standard?
  515. Why is CIGNA demanding that they be repaid every bit of long term disability payment because I was forced to retire early and took my pension?
  516. Can Hartford legally make me sign an Authoritization form to dislose all records of my private life?
  517. Does Reliance Standard consider buy-outs for own occupation claims?
  518. Can Standard legally follow someone and look through their personal stuff online?
  519. Is bipolar disorder considered a mental or physical condition subject to the 24 month term for mental health?
  520. Am I required to meet with Unum rep?
  521. Can the AGS help me regarding how Unum treated me?
  522. Can Standard recollect the fee awarded to my attorney? Can they recover benefits paid during a time they were also paying the claim?
  523. Can I file a harassment suit against Unum?
  524. Would you recommend Guardian or NWM for disability insurance for a Cardiologist?
  525. Is it legal for Cigna and my company to say they are still creating/writing my policy?
  526. You say that NML is one of the three most credible companies selling disability insurance. What are the other two?
  527. Is it worth fighting Cigna after they denied my claim?
  528. Can UNUM offset my daughter's Survival Benefits resulting from her dad's death?
  529. How do I convince MetLife that my condition is, indeed, severe?
  530. How can I find out how much overpayment Reliance Standard will be able to recover from me?
  531. Can Omaha say that I'm not an active employee because I work less than 30 hours per week?
  532. Can I obtain an LTD buyout from Metlife?
  533. Can The Standard threaten my credit?
  534. Should I tell Unum that I privately purchased their disability policy?
  535. Besides suing The Standard, what can I do to fight them?
  536. Can Prudential cancel or deny your claim if you are approved for social security disability benefits?
  537. Does Reliance Standard use my salary or real earnings to calculate my STD benefits?
  538. Why is MOO saying my husband does not have MS to receive LTD when they approved his STD because of MS? Should I hire an attorney?
  539. How often should I go to the doctor?
  540. Is it common practice for SunLife to threaten vocation review if I don't take their buy outs?
  541. Do I have to give Unum access to my tax file and what I receive from my church?
  542. Can I sell my LTD benefits with Metlife for a lump sum?
  543. How long will it take Unum to decide if my condition is mental or physical?
  544. Can MetLife reduce their payments to me if I file early for social security?
  545. What should I do If Aetna has been following me?
  546. Can Cigna cut off my mom's benefits after 2 years? Also, where can I get their guidelines?
  547. If you appeal when Unum denies you, do you still receive funds?
  548. Am I obligated to provide my Tax returns to Guardian for my LTD Disability?
  549. What do I do if LFG hasn't given me the money they owe me and won't let me speak to a supervisor?
  550. Can I still file an appeal if I missed a day?
  551. Can I access money from my 401k without Unum reducing my benefits?
  552. What percentage is usually offered for settlement?
  553. Can Cigna deny my appeal on such short notice?
  554. How can I get copies of my policies?
  555. Should I accept Unum's lump sum pay off on a lifetime policy? How do I determine if the offer is fair?
  556. What % offer (for a lump sum buyout) would you consider low, average, and high?
  557. I meet 20 of LFG's requirments for disability but was still denied. What do I do?
  558. What does Aetna mean when they say I must find a job that is at least 70% of my work pay? What should I do if I don't think I can work?
  559. Can MetLife end my beneifts without verifying my diagnosis (that is an exception to their 24 month clause)?
  560. Am I required to pay Prudential for the SSDI attorney fee I paid?
  561. Can Hartford spy on me again?
  562. Can Hartford count all the money my ex received from SST as income to me if I do not live with her?
  563. Is it legal for Cigna to requent my tax returns as a condition of profit or loss?
  564. If I drop SSDI, will Standard still offset the benefit?
  565. Is it normal for MetLife to take 130 days to respond to my appeal?
  566. If you are denied short term and long term through Hartford, how long does it take to file a lawsuit? 
  567. Could I sue Prudential for the money I paid to my attorney? I had to wipe my 401K, was almost evicted, etc
  568. Can I hold Unum accountable for terminating my benefits after 24 months if I was physically disabled – not mentally – first and foremost?
  569. Does anyone know for how long Hartford is paying LTD due to a major depression? 
  570. Can LFG deny my LTD coverage because it's "not portable" while STD is?
  571. Will moving to a different state disrupt my LTD? Am I eligible if I am not bedridden?
  572. Does Prudential LTD insurance have annual cost of living increases? 
  573. How long does it take for Hartford to gather paperwork regarding a settlement? Do they offer decent ones?
  574. Why isn't there a class action lawsuit against Hartford? Also, if you are denied short term disability and more evidence comes up, that supports original claim, can you submit it?
  575. Is is strange that LFG scheduled an IME without requesting medical records for the past 6 months?
  576. Can you provide legal support on a contingent basis?
  577. Can marriage affect my MetLife disability benefits?
  578. Can Reliance Standard offset my SSD benefits before I am approved for them?
  579. How do I proceed about Aetna STD and their denial of my claim considering my current diagnosis?
  580. Hartford investigator lied to the cops about following me. Is this legal?
  581. Will adding physical medicinal illnesses to my mental illness case hurt it or strengthen it?
  582. How do I find out the statute of limitations on my LTD claim?
  583. If UNUM chooses to discontinue benefits, how much notice is given to the insured?
  584. Why can't you sue 3rd party companies that assist Hartford in denying claims? Why can't you sue an MES doctor for medical mal-practice?
  585. Can Hartford force me to file for Social Security Disability? Can they hold my benefit checks if I don't?
  586. Can Standard cut off my benefits after 2 years if my primary condition is physical and not mental?
  587. What do I do if Cigna won't tell me which eye test they want? I only have unemployment benefits.
  588. What is the "rule of thumb" cost for an insurance company to defend against an ERISA lawsuit?
  589. Am I at risk of losing my Metlife benefits if I have a secondary mental illness (the primary disabling condition is physical)?
  590. Is the fact that MetLife limits mental nervous conditions to 24 months discriminatory?
  591. How can I get Metflie to send me a copy of my policy?
  592. What right does CIGNA have in contradicting my own medical doctors recommendation?
  593. Can I prevent Standard from cutting off my mental health benefits after 2 years?

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  3. Everything You Must Know About Your Disability Insurance Company
  4. How Should You Present Your Medical Condition in a Long Term Disability Claim?
  5. JB Hunt Truck Driver Wins Unum Long Term Disability Appeal
  6. Anesthesiologist Approved for Long Term Disability Benefits Plus an Extra 9 Months of Benefits
  7. New York Life's Number One Reason to Deny Disability Benefits
  8. ADP Admin With Amputated Leg Denied Hartford Long Term Disability Benefits Wins Appeal
  9. Filing For Unemployment Benefits Could Jeopardize Disability Benefits (Disability Lawyer Tip #27)
  10. Prudential Relies on Paper Medical Reviews to Deny Long Term Disability Benefits
  11. A private disability policy is better than an Employer provided policy (Disability Attorney Tip #35)
  12. Hartford Disability Denial Reversed for Oracle Manager and Veteran with Cardiovascular Disease
  13. How Does Prudential Use Video Surveillance and Social Media to Deny Disability Benefits?
  14. Prudential Relies on The Change of Disability Definition to Deny Benefits
  15. A Functional Capacity Exam FCE Can Help Win Disability Benefits (Disability Lawyer Tip #33)
  16. Prudential Denies Long Term Disability Benefits Due to Lack of Medical Evidence
  17. Can Disability Benefits be Approved if you Work with a Disabling Condition?
  18. Hartford Long Term Disability Appeal Victory for Truck Driver with Hip, Back and Cardiac Disorders
  19. Prudential Disability Denial (Long Term Disability Attorney Tip #41)
  20. Reliance Standard Denies Long Term Disability After Paying for 16 Years
  21. File for Disability Benefits Timely if You Have a Pre Existing Condition (Disability Benefit Tip 23)
  22. Heart Surgery and Back Disorder Doesn’t Stop MetLife from Wrongfully Denying Disability Benefits
  23. Your Retirement Benefits Can Offset Your Disability Benefits (Long Term Disability Lawyer Tip #24)
  24. Hartford Denies Disability Benefits to Theater Technician with Vestibular Disorder After 6 Years
  25. Research Epidemiologist with chronic fatigue / ME wins LTD appeal against Prudential
  26. How Do You Fight a Long Term Disability Benefit Denial?
  27. Plastic Surgeon Disability Insurance Tips to Prevent Disability Benefit Denial
  28. Unum Disability Denial Lawyer Tips (Disability Benefit Tip #45)
  29. Executive Director with Meniere’s Disease Denied Disability Benefits By Hartford
  30. A Sexton at Princeton University Denied Prudential Disability Benefits After Neck Surgery
  31. Never Sign a Severance Agreement That Waives Your Disability Benefits (Disability Lawyer Tip #25)
  32. Reliance Standard Disability Appeal Success Story for a Colorado Police Officer
  33. Always Disclose Your Disability Policy if You File for Bankruptcy (Disability Attorney Tip #26)
  34. Registered Nurse with Hand and Back Issues Wins New York Life LTD Appeal
  35. Provide Medical Records to The Disability Company Often (Disability Lawyer Tip #20)
  36. How Do Disability Insurance Companies Evaluate Your Occupation?
  37. Former Cigna Employee Denied By New York Life Wins Disability Appeal After Back Surgery
  38. Louisiana State College Director Wins Unum LTD Appeal But Then Denied Again
  39. Voya Disability Denial? First Steps to Take (Disability Attorney Tip #42)
  40. You Must Attend the IME Exam (Long Term Disability Attorney Tip #19)
  41. Reliance Standard Pays for Three Years & Then Denies LTD to Project Manager with Brain Injury
  42. IT Manager Overcomes Pre Existing Condition LTD Denial
  43. What is Unum Relying Upon to Deny Disability Benefits?
  44. Illinois Mutual Denies Disability Benefits to Tire Service Manager
  45. Lincoln Life Denies Disability Benefits to Operations Manager
  46. HR Manager with Fibromyalgia wins Lincoln Financial Disability Denial Appeal
  47. Guardian Disability Benefits Approved for Pediatrician with Eye Disorder
  48. JP Morgan Chase IT Manager with Shoulder Disorder & Bipolar Wins Sedgwick Disability Appeal
  49. New York Life Disability Denial (Long Term Disability Lawyer Tip #38)
  50. SSDI Approval and Mutual of Omaha Still Denied Disability Benefits for an IT Service Desk Engineer
  51. Metlife Disability Denial Disability Benefit Lawyer Tip (Disability Attorney Tip #37)
  52. Northwestern Mutual Approved Disability For Lawyer with Gastroparesis
  53. How Do I Determine my Date of Disability? (Disability Lawyer Tip #1)
  54. Principal Disability Denial (Disability Benefit Tip #49)
  55. LA Police Officer with COPD & Back Disorder Wins Reliance Standard Long Term Disability Appeal
  56. Mutual Of Omaha Disability Denial (Disability Benefit Tip #56)
  57. Orthopedic Surgeon Approved for Long Term Disability Benefits by Guardian and Berkshire
  58. Sun Life Denies LTD Benefits to Construction Sales Manager with Neck & Back Disorder
  59. The Standard Disability Denial Help (Long Term Disability Attorney Tip #57)
  60. Sun Life Disability Denial Help (Long Term Disability Lawyer Tip #58)
  61. Principal Denies Disability Benefits to Software Engineer with Non 24 Sleep Disorder
  62. You Don't Have to Undergo Surgery To Collect Disability Benefits (Disability Lawyer Tip #34)
  63. A Hartford Disability Benefit Lawsuit Victory for Truist Banker with Lupus
  64. Your Own Occupation Disability Definition May Not Be What You Think (Disability Attorney Tip #29)
  65. Sun Life Approves Disability Benefits for Orthopedic Surgeon with Ankylosis Spondylosis
  66. Operations Planner With Osteoarthritis & Anxiety Wins Prudential Disability Appeal
  67. Your Date of Disability Must be Prior to Your Employment Ending (LTD Lawyer Tip #28)
  68. Mutual of Omaha Disability Benefit Denial Reversed for Building Manager with Back Disorders
  69. Long Term Disability Benefits Can Be Denied at Anytime (Disability Lawyer Tip #47)
  70. Obtain "Objective" Evidence to Win Benefits (Disability Attorney Tip #18)
  71. Sun Life Wrongfully Denies Disability After Paying For 23 Months
  72. Home Depot Employees Gets Hartford Disability Benefit Denial Reversed
  73. Review Your Medical Records After Every Doctor Visit (Disability Lawyer Tip #12)
  74. The Standard, Ameritas and Sun Life Agree to Pay Residual Disability Benefits to General Surgeon
  75. New York Life Denies LTD Benefits to 64 Year Old Sales Manager
  76. Elementary Teacher Wins MetLife Disability Benefit Appeal
  77. Unum Approves LTD Benefits for Pharmacist with Eye Disorder
  78. Prudential Denies LTD Benefits to JP Morgan Financial Advisor With Jaw Cancer
  79. Network Engineer with Neck Disorder Wins a Standard Long Term Disability Benefit Appeal
  80. You Must File for SSDI With a Group Disability Policy (Long Term Disability Attorney Tip #22)
  81. MetLife Approves Disability Benefits for ER Doctor Impacted by COVID-19
  82. The Importance of Regular Doctor Visits for Long-Term Disability Claims
  83. Decoding Your Disability Definition
  84. Project Manager Denied Disability Benefits by Hartford After 15 Years
  85. Why Keeping a Pain Journal Matters in Your Disability Claim
  86. Principal Financial Approves Long Term Disability Benefits for Employment Litigation Lawyer
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  88. United Healthcare Disability Denial (Long Term Disability Attorney Tip #44)
  89. Senior Project Manager with Cognitive Limitations Wins Unum Long Term Disability Denial Appeal
  90. Hospitalist at Kaiser Permanente Disabled by Knee & Back Pain Wins New York Life Disability Appeal
  91. Respiratory Therapist with Fibromyalgia Wins Hartford Short and Long Term Disability Benefit Appeal
  92. Follow Through with All of Your Doctors Suggestions (Long Term Disability Lawyer Tip #15)
  93. Northwestern Mutual Pays Disability Benefits to Ophthalmologist With Neck Disorder
  94. Symetra Disability Denial (Disability Attorney Tip #36)
  95. Do Not Use Social Media (Disability Lawyer Tip #5)
  96. Your Date of Disability Must be Supported (Long Term Disability Attorney Tip #9)
  97. IBM Executive with Occipital Neuralgia & Headaches Wins Metlife Disability Appeal
  98. 3 Hartford Disability Denials and 3 Appeals for IT Business Analyst with Cognitive Impairment
  99. Prepare For Change in Definition of Disability (Long Term Disability Lawyer Tip #8)
  100. Apple VP of Sales with Knee Disorder Wins New York Life Long Term Disability Appeal
  101. Bring The Attending Physician Statement to Your Doctor Visit (Disability Attorney Tip #17)
  102. MetLife Musculoskeletal Limitation Denial Reversed for Senior Research Associate With Back Disorder
  103. Warn Your Doctor About Speaking With Your Disability Company (Disability Lawyer Tip #7)
  104. Billing Manager With Back Disorder Wins Unum Long Term Disability Denial Appeal
  105. Contracts Manager With Toxic Encephalopathy Wins MetLife Long Term Disability Denial Appeal
  106. Electrician with Neck and Back Disorders Denied Lincoln Financial Disability Benefits After 5 Years
  107. Be Aware of Limited Disability Benefit Periods (Long Term Disability Attorney Tip #11)
  108. Hartford Denies Long Term Disability Benefits After Paying for 22 Years
  109. United Airlines Flight Attendant Wins Prudential Long Term Disability Benefit Appeal
  110. Reliance Standard Disability Lawsuit Results in Payment of Disability Benefits For an HR Manager
  111. Amazon Operation Managers With Back Disorder Wins Hartford Disability Appeal
  112. JP Morgan Chase Banker with Back Disorder Wins Prudential Long Disability Benefit Appeal
  113. After Paying IT Professional for 5 Years The Standard Disability Benefit Denial is Reversed
  114. Computer Programmer With Depression Wins Lincoln Financial Disability Benefit Appeal
  115. Consultant with Spinal Injury and Cognitive Disorder Wins New York Life Long Term Disability Appeal
  116. Assume You Are Being Watched Outside (Long Term Disability Lawyer Tip #4)
  117. Nurse with Fibromyalgia & Depression Wins Hartford Disability Benefits
  118. Difference Between Residual vs Total Disability Benefits
  119. Metlife Wrongfully Tells a Disabled Truck Driver It Is Safe For Him To Drive
  120. Your Doctor Must Document All Complaints (Disability Attorney Tip #3)
  121. General Electric Manager Wins Metlife Long Term Disability Appeal
  122. Orthopedic Surgeon Disability Insurance Claim Tips
  123. Microsoft Manager Denied Prudential Long Term Disability Benefits
  124. VP of Sales with Psoriatic Arthritis Wins Guardian Long Term Disability Denial Appeal
  125. Legal Secretary with Depression Wins Unum Short and Long Term Disability Benefit Appeal
  126. Software Engineer With Back Disorder Wins Multiple Battles For Prudential Disability Benefits
  127. Customer Service Rep with Men1 Wins Prudential Disability Appeal
  128. Why Our Disability Lawyers Should Handle Your Long Term Disability Benefit Claim Monthly
  129. File Your ERISA Disability Benefit Appeal Timely (Disability Attorney Tip #31)
  130. Financial Advisor with Fibromyalgia & Depression Wins Unum Long Term Disability Benefit Appeal
  131. Can A Long Term Disability Lawyer Prevent A Disability Benefit Denial?
  132. New York Life Disability STD Appeal Won For Waste Management Trash Collector With Back Disorder
  133. Our Disability Lawyers Can Maximize Your Disability Lump Sum Buyout or Settlement
  134. Hitachi Software Engineer With Cognitive Issues Wins Two Standard Disability Benefit Appeals
  135. Back Pain and Securing Long Term Disability Benefits
  136. A Disability Lawyer Guide For an ERISA Disability Benefit Denial Lawsuit
  137. Insurance Agent with Neuropathy Wins Reliance Standard Disability Appeal
  138. Our Disability Lawyers Help Write Your ERISA Disability Appeal Letter
  139. UCLA Social Worker with Trigeminal Neuralgia wins Lincoln Financial Disability Benefit Appeal
  140. A Disability Benefit Denial Lawsuit Should be Filed Quickly (Disability Lawyer Tip #32)
  141. Our Disability Lawyers Help You Apply for Disability Benefits
  142. Never Handle Your Disability Benefit Appeal Without a Lawyer (Long Term Disability Attorney Tip #43)
  143. Five Ways We Help Get Your Disability Benefit Paid
  144. Hartford’s 24 Month Any Occupation Disability Denial Reversed For Office Administrator
  145. A Strategy Can Maximize A Disability Lump Sum Buyout (Long Term Disability Lawyer Tip #30)
  146. Project Manager with Migraines Gets NY Life Disability Benefit Denial Reversed
  147. Claimant Statements Should Have an Addendum (Disability Attorney Tip #6)
  148. Principal Financial Disability Benefit Denial Reversed for Customer Service Employee
  149. Always Deal with the Disability Company in Writing (Long Term Disability Lawyer Tip #14)
  150. Architect with Lyme & Chronic Fatigue Wins Lincoln Financial Disability Benefits Following a Denial
  151. Always be Honest About Your Limitations (Long Term Disability Attorney Tip #2)
  152. How to Handle a Hartford Disability Denial (Disability Attorney Tip #40)
  153. Hartford Disability Benefit Denial Victory for Phillips 66 Manager with Rheumatoid Arthritis
  154. Treat With the Appropriate Doctor (Disability Lawyer Tip #1)
  155. Long Term Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak
  156. Long Term Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
  157. Long Term Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
  158. Long Term Disability Denial Reason #2 – Change of Disability Definition & Vocational Review
  159. Long Term Disability Denial Reason #1 – Medical Review & IME
  160. Chronic Fatigue Syndrome Long Term Disability Insurance Claim Tips
  161. Eye Disorders and Long Term Disability Insurance Claim Help
  162. Paralegal with Back & Neck Disorder Wins Unum Disability Appeal
  163. Parkinson's Disease and Long Term Disability Insurance Claim Tips
  164. Can a Disability Company Require Objective Evidence of Disability if None Exist?
  165. Multiple Sclerosis Disability Insurance Claim Help & Tips
  166. What Should I Do When Transitioning From Short to Long Term Disability?
  167. Chronic Pain Syndrome and Tips for Proving Long Term Disability
  168. Medical Treatment Requirements for Disability Benefit Approval
  169. What Are The Top 5 New York Life Disability Benefit Denial Reasons?
  170. Lyme Disease Disability Insurance Benefit Claim Tips
  171. Fibromyalgia Long Term Disability Benefit Claim Tips
  172. Dentists Can Receive Disability Insurance Benefits While Working
  173. Meniere's Disease and Vestibular Disorder Disability Insurance Claim Help
  174. Mental Disorders and How to Collect Your Long Term Disability Benefits
  175. Long Term Disability Denial Options for Doctors Disability
  176. Long Term Disability Denial - What to Do?
  177. Musculoskeletal Disorders Disability Benefit Claim Lawyer Tips to Get Approved
  178. Why Do Disability Insurance Companies Never Stop Asking?
  179. Does Cancer Qualify For Long Term Disability Insurance Benefits?
  180. Endocrine Disorders - What to Expect in a Long Term Disability Claim
  181. Disability Insurance Denial - What Should Be in a Claim File?
  182. Blood and Vascular Disorders Disability Benefit Claim Legal Tips to Get Approved
  183. Can a Disability Company Video or Conduct Surveillance of Me Anywhere?
  184. Digestive Disorders Disability Benefit Claim Lawyer Tips to Get Paid
  185. Headache and Migraine Disability Insurance Claims Are Challenged By Disability Companies
  186. Why Do Disability Insurance Companies Manipulate Your Occupational Duties?
  187. Family Medicine & Internal Medicine Doctor Disability Insurance Claim
  188. Arthritis is Disabling but Will Your Disability Insurance Company Pay Disability Benefits?
  189. VOYA and Reliastar Disability Insurance Benefit Denials and Claim Help
  190. How Do I Collect Long Term Disability Benefits If I Have Back Pain?
  191. Common Reasons for A Disability Insurance Company to Delay Disability Benefit Payments
  192. ENT - Otolaryngologist Disability Benefit Claim Assistance
  193. Neurological Disorders and How to Get Your Long Term Disability Insurance Benefits Paid
  194. How Does New York Life Deny Disability Benefits Without Examining Claimants?
  195. Consultant Long Term Disability Basics You Should Know
  196. Disability Business Buyout Insurance Claim Tips & Legal Help
  197. Tips to Prevent Disability Insurance Benefit Denial Due to a Change of Disability Definition
  198. Psychologist & Psychiatrist Disability Insurance Claim Tips
  199. Applying for Guardian or Berkshire Disability Benefits is Challenging
  200. Software Developer Disability Benefit Claim Assistance
  201. MassMutual Disability Insurance Claim Overview & What to Expect
  202. Ophthalmologist Disability Insurance Claim Tips For Benefit Approval
  203. Do you have to sign the disability insurance company authorization form?
  204. Manager Long Term Disability Benefit Claim Tips
  205. Northwestern Mutual Group Disability Denial Appeal Legal Help
  206. Pediatrician Disability Benefit Claim Assistance
  207. Why Must Your Disability Insurance Lawyer Understand Your Disabling Conditions?
  208. Real Estate Salesperson Disability Benefit Claim Strategies
  209. How to Apply for Principal Disability Benefits?
  210. Lloyds of London Disability Denial Claim Options
  211. Accountants & AICPA Disability Insurance Claim Tips
  212. Anesthesiologist Disability Insurance Claim Actions You Must Know
  213. ER Physician Disability Insurance Claim Tips For Benefit Approval
  214. Ameritas Disability Benefit Overview
  215. Who Are The Largest Disability Insurance Companies? (Disability Benefit Tip #59)
  216. Physician Assistant Long Term Disability Policy Tips to get Approved
  217. Tips for a Radiologist Seeking Disability Benefits
  218. Business Owner Disability Benefit Claim Tips
  219. New York Life Disability Claim Overview
  220. Mass Mutual Disability Claim Handling
  221. How Long Does Prudential Pay Long Term Disability Benefits?
  222. What Does A Long Term Disability Lawyer Do?
  223. Ameritas Disability Benefit Denial Options
  224. Are All Disability Claims Denied?
  225. New York Life Disability Denial Lawsuit Guide
  226. Obstetric & Gynecologist OBGYN Doctor Long Term Disability Tips to get Approved
  227. Engineer Disability Insurance Claim Tips For Claim Approval
  228. Trustmark Disability Claim Benefits Overview & Legal Tips
  229. How to file a New York Life Disability Benefit Appeal
  230. CEO, CFO & Director Long Term Disability Benefit Claim Tips
  231. Insurance Claim Adjusters Are Often Denied Long Term Disability
  232. How to Protect Your Ameritas Long Term Disability Benefits
  233. Ohio National Disability Benefit Denial Options
  234. Podiatrist Long Term Disability Benefit Claim Tips
  235. Can Unum Use their Own Hired Doctors to Deny Disability Insurance Benefits?
  236. How to Protect Your Unum Disability Benefits
  237. Is Unum a Good Insurance Company?
  238. Airline Pilots Disability Benefit Claim Tips to Avoid Denial
  239. Disability Insurance Tips for Financial Advisers and Planners
  240. Cardiologist Disability Insurance Claim Challenges & Tips
  241. Law Enforcement Police Officer Long Term Disability Claim Tips
  242. NFL Player Disability & Neurocognitive Benefit Claim Help
  243. Disability Insurance - Definitely Get It
  244. How to Prove A Knee Disorder Disability Benefit Claim
  245. A Guide For Doctors Seeking Total or Residual Disability Benefits
  246. Can I Collect Disability Insurance Benefits if I Have Heart Disease?
  247. Do You Know How Your Disability Insurance Company Thinks?
  248. Sales Representative Disability Benefit Claim Tips
  249. How to Apply for New York Life Disability Benefits & Get Approved
  250. Tips to Prevent a Unum Disability Benefit Denial & Monthly Claim Handling Help
  251. How Much Neck Pain Does it Take to Qualify for Long Term Disability Benefits?
  252. Northwestern Mutual Doctor & Dentist Disability Benefit Legal Help
  253. A Guide to Writing a Disability Benefit Appeal
  254. Can I Collect Workers' Compensation and Long Term Disability Benefits?
  255. Legal Tips for Dentists Seeking Disability Benefits
  256. What is Disability Insurance?
  257. MetLife Disability Benefit Denial Tactics
  258. Legal Tips for Pharmacists Seeking Disability Benefits
  259. IT Professional Long Term Disability Claim Information
  260. What To Expect From Disability Insurance Companies in 2021
  261. Nurse Disability Insurance Claims Tips to Get Disability Benefits Approved
  262. A Surgeon Seeking Disability Benefits Needs These Tips To Collect Benefits
  263. Principal Disability Benefit Denial Options
  264. Required Medical Documentation for Disability Insurance Benefits Approval
  265. Disability Insurance Attorneys Dell & Schaefer Live Stream
  266. New York Life Disability Benefit Claim Tips to Avoid Denial
  267. Tips to Protect Your Northwestern Mutual Long Term Disability Benefits
  268. How to Prevent Standard Insurance Company from Denying Disability Benefits
  269. Prudential Lump Sum Disability Policy Buyout Options
  270. How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
  271. Chubb Disability Insurance Claim Help To Get Paid Benefits
  272. Dearborn National Disability & Lawsuit Tips
  273. Tips for Applying for Sun Life Disability Insurance Benefits
  274. Mutual of Omaha Lawsuit Help for Disability Income Benefit Denial
  275. How Can Covid-19 Affect a Disability Insurance Claim?
  276. Mass Mutual Disability Benefit Application Tips - Top Denial Reasons
  277. Application Tips: Northwestern Mutual Disability Benefits - Top Denial Reasons
  278. Principal Disability Lawsuit & Benefit Denial Tips To Get Paid
  279. Mutual of Omaha Disability Appeal Tips to Win Benefits
  280. Guardian Disability Benefit Claim Handling Tips
  281. Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons
  282. Tips To Prevent a Cigna Disability Benefit Denial
  283. Application Tips: Lloyd's of London Disability Benefits - Top Denial Reasons
  284. Applying for Cigna Disability Benefits? Top 5 Reasons for Claim Denial
  285. Tips To Prevent a MetLife Disability Benefit Denial
  286. How To Avoid A Lincoln Financial Disability Benefit Denial
  287. How Long Does UNUM Long Term Disability Last?
  288. How Long Do You Have To Be Out Of Work To Apply for Disability?
  289. AIG American General Disability Benefits Overview & Tips to Get Approved
  290. Assurity Disability Benefit Overview and Legal Tips To Get Paid
  291. Northwestern Mutual Disability Benefit Lawsuit Expectations & Legal Tips
  292. Equitable Disability Claim Benefits Overview and Legal Tips
  293. How to Apply for Disability Benefits with Lincoln Financial
  294. Sun Life Disability Lawsuit & Benefit Denial Tips
  295. Guardian Disability Lawsuit & Benefit Denial Legal Options
  296. Mass Mutual Disability Lawsuit and Benefit Claim Denial Information
  297. Reliance Standard Disability Lawsuit and Claim Denial Options with a Disability Lawyer
  298. How Do I Ask My Doctor For Disability?
  299. Illinois Mutual Disability Income & Benefit Claim Denial Information, A Lawyer’s View
  300. Lincoln Financial Disability Lawsuit & LTD Benefit Denial Info
  301. Legal Help: Mutual of Omaha LTD Insurance Denial, Appeal & Lawsuits
  302. Do I Need a Lawyer for a Long Term Disability Claim?
  303. Can You Sue UNUM?
  304. Canada Life Assurance & Great West LTD Benefit Info You Must Know
  305. How Long Does Long Term Disability Take to Process?
  306. Dearborn Group Disability Benefit Claim Tips
  307. Is It Hard To Get Approved For Long Term Disability Insurance?
  308. An Overview of Guardian Disability Insurance Claims
  309. How Do I Qualify for Disability Insurance Benefits?
  310. Why Are Sun Life Disability Claims Difficult?
  311. How Does UNUM Define Disability?
  312. Reliance Standard Disability Overview of Denials, Appeals, Applications & Lawsuits
  313. Do I Have to Quit My Job Before Applying for Disability?
  314. Does Hartford Pay Disability Insurance Claims?
  315. When Should You Hire A Disability Attorney?
  316. Top 5 Causes of Disability Insurance Claims
  317. What is the Difference Between a Disability Insurance Lawyer & a Social Security Disability Lawyer?
  318. Denied LTD Benefits by The Standard? Lawyer Tips to Win an ERISA Appeal
  319. Tips: Filing A Principal Disability Benefits Appeal After LTD Denial
  320. Hartford Disability Claim Help - Attorney Tips
  321. Lawyer Overview of Lincoln Financial Disability Denials, Appeals, Applications & Lawsuits
  322. How Does Hartford Long Term Disability Work?
  323. What Happens If My Hartford Short Term Disability Claim is Denied?
  324. How Long Does a Hartford Short Term or Long Term Disability Claim Last?
  325. Lawyer Tips for UNUM Disability Insurance Benefits Claim Approval
  326. Private Disability Insurance Claim Denial Options
  327. What Does the New York Life Insurance Company Buyout of Cigna Mean for Policyholders?
  328. How To Protect Against a Prudential Disability Benefit Denial
  329. Tips To Prevent Hartford From Denying Your Disability Benefits
  330. What To Expect In a UNUM Disability Lawsuit After a LTD Denial
  331. How Does Unum Evaluate a Claim for LTD Insurance Benefits?
  332. Applying for Prudential Disability Benefits? Top 5 Reasons for a Denial
  333. Lawyer Tips for a MetLife Disability Denial, Appeal & Lawsuit
  334. Attorney Tips for Hartford & Aetna Disability Denials, Appeals & Lawsuits
  335. Legal Tips For Applying For Hartford Disability Insurance Benefits
  336. Prudential Disability Claim Overview Tips From Disability Lawyers
  337. How To Apply For MetLife Short & Long Term Disability Insurance Benefits
  338. Legal Tips for The Standard Disability Lawsuits & Claim Denial from Disability Insurance Lawyers
  339. Help for Prudential Disability Benefit Denial & Lawsuit
  340. Help From Attorneys for Ohio National Claims: Denials, Appeals & Lawsuits
  341. Help & Tips for a Sun Life ERISA Disability Appeal
  342. Denied by Metlife? Lawsuit & Claim Denial Tips For a Metlife Disability Insurance Appeal
  343. Hartford - Aetna Lawsuit & Denial Tips. What to Do After You have Been Denied Disability Benefits.
  344. Help for claimants with a Lincoln Financial or Liberty Mutual Appeal for Disability Insurance Denial
  345. Berkshire Life - Guardian Life Disability Appeal Tips for Disability Insurance Denials
  346. Cigna & New York Life Strategies & Tips for a Disability Benefit Lawsuit After an Appeal Denial
  347. Denied by Metlife? Tips from Disability Insurance Attorneys for ERISA Disability Appeal Claim Help
  348. Lloyds of London Athlete and Business Professional Disability Benefit Claim Help, Denials, Lawsuits
  349. Prudential Long Term Care Claims
  350. How to File a Reliance Standard Disability Appeal Following a Long Term Disability Benefit Denial
  351. Why are the duties of my pre-disability occupation important when seeking LTD benefits?
  352. Should I Let My Doctor Be Interviewed by the Disability Insurance Company?
  353. Lincoln Financial Disability Appeal Tips and Claim Help for a Disability Benefit Denial
  354. Prudential Disability Appeal Claim Help for a Disability Denial
  355. UNUM Disability Appeal Strategy for a Disability Benefit Denial
  356. ERISA Disability Lawsuit Challenges
  357. Cigna Disability Appeal Tips Following Disability Benefit Denial
  358. Attorney Alex Palamara Wins Aetna Long Term Disability Appeal for Woman with Brain Injury
  359. How to Prepare and Tips for Attending A Disability Insurance Medical Exam (IME)
  360. Hartford Disability Insurance Appeal Do’s & Dont's
  361. What are the remedies in an ERISA long term disability benefit lawsuit?
  362. How To Prepare A Unum Disability Appeal With A Lawyer
  363. Can I collect disability insurance benefits if my professional license is suspended?
  364. Lincoln National disability denial reversed for failure to review SSDI approval
  365. Engineer wins long term disability benefits lawsuit against Prudential
  366. UNUM denies disability benefits after 9 years for woman with Fibromyalgia and Court reverses
  367. Court reverses Aetna denial of disability benefits for a Southwest Airlines employee
  368. Tennessee Court Reverses UNUM Denial for a 59 year old Woman with Fibromyalgia
  369. WalMart employee wins disability benefit claim in Arkansas District Court & loses on Appeal
  370. Some disability insurance lawyers file ERISA lawsuits that are pointless
  371. Change of disability definition used to deny long term disability benefits
  372. Can I get around a pre-existing condition limitation in a disability policy?
  373. Dental assistant wins disability lawsuit in Oklahoma Against Aetna
  374. MetLife ignores its own doctors finding of radiculopathy & Court remands long term disability denial
  375. Will the new ERISA disability regulations help disability claimants?
  376. Prudential Pays Disability Benefits For 12 Years, Then Denies Based On Neuro-Psych Report
  377. New ERISA Disability Law Helps Claimants To Level The Playing Field During Appeal
  378. Disability Companies Challenge Cancer Long Term Disability Claims
  379. Aetna Pre-Existing Condition Disability Denial Reversed By Massachusetts Federal Judge
  380. Unum Motion To Deny Disability Benefits To OB-GYN Denied By Tennessee Judge
  381. Timing Is Critical In Filing A Long Term Disability Lawsuit Against Hartford
  382. Disability Attending Physician Statements Are Biased Toward Claim Denial
  383. California Judge Reverses MetLife Disability Benefit Denial Due To Neuromusculoskeletal Limitation
  384. Aetna Denial Of Disability Benefits For Boeing Employee With MS Reversed By Washington Federal Court
  385. Can I Work And Collect Disability Insurance Benefits?
  386. Cigna Disability Benefit Denial Reversed For Woman With EDS Syndrome
  387. Prudential Disability Denial For Chronic Headaches Reversed By California Judge
  388. Reliance Standard Disability Denial Reversed For Claimant With Fibromyalgia & CFS
  389. Two Disability Lawsuits Against UNUM & Court Awards Benefits To Claimant Without Diagnosis
  390. A Disability Lawyer's View Of The Largest Disability Insurance Companies
  391. An Amazon Long Term Disability Insurance Claim Against Aetna
  392. Disability Insurance Challenges For Doctors That Work While Disabled
  393. Washington Court Orders Hartford To Pay Long Term Disability Benefits After Wrongful Denial
  394. Trinity Health Care Registered Nurse Wins Cigna Long Term Disability Appeal
  395. Dell & Schaefer Wins MetLife ERISA LTD Appeal After Prior Lawyer Rejects Claim
  396. Stephen Jessup Wins Hartford Appeal For HR Director With Rheumatoid Arthritis
  397. Lincoln Financial Approves Disability Benefits after 2nd Appeal For Woman With Multiple Sclerosis
  398. Aetna Denies LTD Benefits To Software Engineer With Cognitive Difficulties Following A Stroke
  399. Alex Palamara Wins Long Term Disability ERISA Appeal Against Mutual of Omaha
  400. Metlife Denial Of Long Term Disability Benefits For Heart Disease Claimant Is Reversed
  401. California Court Reverses Sunlife Disability Denial For Woman With Fibromyalgia
  402. Is The Hartford Disability Purchase Of Aetna Bad For Aetna LTD Policy Holders?
  403. Neck Pain And Long Term Disability Insurance Claim Help
  404. Lincoln Financial Denial Of LTD Benefits After Paying For 9 Years Is Reversed On Appeal
  405. Back Pain And Long Term Disability Insurance Claims
  406. LTD Claim Approved By Lincoln For Former Bioment, Inc Employee Suffering From Meniere's Disease
  407. Substance Abuse Disability Insurance Claims For Doctors
  408. Why Is It Important Not To Rush Your ERISA Disability Appeal?
  409. Northwestern Mutual Long Term Disability Claim Tips
  410. Why Its Important To Hire A Lawyer For A MetLife Disability Claim
  411. The Standard Insurance Company Long Term Disability Benefit Claims, Denials, Appeal and Lawsuit Help
  412. Disability Attorneys Dell & Schaefer Free Consultation Video
  413. Disability Insurance Current News and Information
  414. Prudential Long Term Disability Denial Reversed for IT Professional with Cancer
  415. Disability Management Services Long Term Disability Claims
  416. Colorado Court Reverses Cigna Disability Denial of Geico Employee
  417. Reliance Standard Denial of Disability Benefits for an Attorney Reversed by Kansas Judge
  418. Principal Life Wrongfully Denys LTD Benefits to Truck Driver After Change of Definition
  419. Cognitive Dysfunction and Disorders in Long Term Disability Claims
  420. Disabling Conditions and Long Term Disability Benefit Information
  421. Court Rules That First UNUM Cannot Extend Disability Appeal Review Indefinitely
  422. Court Overturns Mutual of Omaha's Denial of Benefits
  423. Nurse Wins Lawsuit Against United of Omaha Life Insurance Company
  424. Court Criticizes Mutual Of Omaha & Rules on the Side of Policy Holder
  425. Disability Insurance Attorneys Dell & Schaefer Live Stream
  426. Attorneys Dell & Schaefer Client Testimonials
  427. Disability Insurance Company Reviews and Information
  428. UNUM ERISA Disability Lawsuits
  429. When is the best time to file for STD or LTD disability insurance benefits?
  430. Cigna ERISA Disability Benefit Lawsuits
  431. Prudential ERISA Disability Lawsuits
  432. MetLife Relationship with Brighthouse Financial
  433. Metlife Disability Field Interview Request Are On The Rise
  434. Minnesota Judge Reverses Hartford Disability Benefit Denial
  435. Unum Denies LTD Benefits to Pharmacist on Narcotics and Oklahoma Court Reverses
  436. Liberty Mutual Wrongfully Denies Disability Benefits for a Pediatrician with Depression
  437. Aetna Insurance Denies Disability Benefits to Fed-EX Employee Approved for SSDI Benefits
  438. Liberty Mutual Disability Denial Reversed For Failure To Consider Proper Occupation
  439. Hartford Disability Company Field Interview Request And Video Surveillance Usage
  440. Back Pain is one of the top reasons for filing a LTD Insurance Claim
  441. Cognitive Disorder & Neuropsych Testing In Long Term Disability Insurance Claims
  442. Standard Insurance Company Ordered By Judge To Pay LTD Benefits For Multiple Reasons
  443. Blue Cross Blue Shield LTD Denial Reversed For Failing To Give Weight To FCE Exam
  444. We Win Long Term Disability Appeal Against Cigna For Cardiac Cath Technician
  445. Can I Volunteer And Still Receive Long Term Disability Insurance Payments
  446. Liberty Mutual Of NY Disability Benefit Denial Reversed After Two Denials In One Year
  447. What Happens if I File My Long Term Disability Claim Late?
  448. Attorney Alex Palamara Secures Standard Long Term Disability Benefits For DC Police Officer
  449. Your Doctors Failure to Document All of Your Complaints Can Result in Denial of LTD Benefits
  450. How Important Is The Support Of My Doctor In Obtaining Disability Insurance Benefits?
  451. Are Functional Capacity Exams (FCE) in Long Term Disability Claims Good or Bad?
  452. Doctor Support Is Essential In A Disability Insurance Claim
  453. Disability Company Medical File Reviews By Hired Gun Doctors Are A Sham
  454. Beware of Disability Insurance Company Interview Request At Your Home
  455. Unum Disability Company Forced to Extend Disability Insurance Coverage to Doctor
  456. Long Term Disability Lump Sum Buyout or Settlement Information
  457. If I'm fired from my job can I still file for LTD insurance benefits?
  458. Disability insurance companies have to consider Social Security disability benefit award
  459. Disability Insurance Claims Is What Our Lawyers Do
  460. Fibromyalgia: Are Courts Starting To Favor Long Term Disability Claimants?
  461. Do I Have To File An ERISA Appeal Of A Disability Insurance Denial Before I Can File A Lawsuit?
  462. What Is The Administrative Record In An ERISA Disability Appeal?
  463. Can I Add To My Claim File After An Insurance Company Enters A Final Denial Of Benefits?
  464. If My Short Term Disability Claim Is Denied Do I Need To File A Separate Long Term Disability Claim?
  465. What Can I Do When The Insurer Fails To Make A Decision On My Appeal Within The Required Timeframe?
  466. Who Makes The Decision To Deny A Long Term Disability Insurance Claim?
  467. How Important Is The Support Of My Treating Physician?
  468. How Often Does A Disability Insurance Company Expect A Disability Claimant To Treat With A Doctor?
  469. How Can A Disability Insurance Company Deny My Claim If My Doctor Hasn't Returned Me To Work?
  470. If I Am A Physician Claiming Long Term Disability Can I Treat Myself?
  471. If I Can Not Afford Medical Treatment Can I Still Collect Disability Insurance Benefits?
  472. Can My Insurance Carrier Deny My Benefits Even If There Is No Change In My Medical Condition?
  473. Is A Claimant's Complaints Of Pain Enough To Qualify For Short Or Long Term Disability Benefits?
  474. What Are My Options If My Long Term Disability Insurance Claim Has Been Denied?
  475. Does Having A Disability Insurance Attorney Raise A Red Flag?
  476. What Can I Do If The Disability Insurance Company Is Delaying Disability Payments?
  477. Can A Disability Attorney Manage All Aspects Of My Disability Insurance Claim?
  478. Why Is It Important To Hire A Disability Attorney Experienced With ERISA Disability Claims?
  479. Can I Hire A Disability Lawyer to Help with my ERISA Appeal?
  480. An ERISA Long Term Disability Appeal Is Challenging
  481. Aetna Long Term Disability Lump Sum Buyout or Settlement
  482. Our Lawyers Help Great West Life Disability Insurance Claimants
  483. Appropriate Medical Doctor is Key to Long Term Disability Approval
  484. Metlife Long Term Disability Lump Sum Buyouts
  485. Is it Legal for A Disability Insurance Company to Force A Social Security Disability Application
  486. Attorneys Dell & Schaefer 2016 Halloween Costume Contest
  487. Hartford Disability Claim Problems
  488. Clinton and Trump Agree that Disability Insurance Companies are Bad
  489. Physical and Mental Disabilities: Can Disability Benefits Be Limited?
  490. Common Issues with Total v. Residual Disability Benefit Claims
  491. Cigna Disability Benefit Denial Won on Appeal by Alex Palamara
  492. Lloyd's of London Long Term Disability
  493. Dentist Disability Benefit Claim Information Video
  494. Ameritas Disability Benefit Claim and Denial Help
  495. Prudential Disability Benefit Denials Are Common
  496. New York Life Disability Denial Claim Help
  497. Sun Life Disability Denial Reversed on Appeal
  498. Liberty Life Disability Denial Claim Help
  499. Principal Disability Benefit Claim, Denial, Appeal and Lawsuit Information from Disability Lawyers
  500. Mutual of Omaha Reverses Long Term Disability Benefit Denial
  501. Northwestern Mutual Disability Denial Lawyer Help
  502. Hartford Denies Disability Claim After 7 Years of LTD Payments
  503. Unum Disability Benefit Denial Trends, A Legal Perspective
  504. Aetna LTD Denial Reversed for Failure to Address Medication Side Effects
  505. Disability Attorneys Dell & Schaefer Legal Services
  506. Aetna Disabilty Denial to Woman With MS Reversed Following ERISA Appeal
  507. Hartford Disability Appeal Won by Lawyer Alex Palamara
  508. Prudential Disability Insurance Claim Trends, Lyme Disease and Neck Disorders
  509. Metlife Disability Insurance Claim Information From Lawyers
  510. A Disability Lawyers' View of Cigna Disability Claim Handling
  511. Mass Mutual Long Term Disability Claim Information
  512. What To Expect At An IME Exam Requested By The Hartford
  513. Disability Insurance Benefits For Mental Disorder Claims
  514. Disability Insurance IME Exams Are on the Rise
  515. Hartford Disability Denial At Any Occupation Stage Reversed
  516. Lincoln Financial Group Disability Insurance Claim Trends
  517. Private Disability Insurance Benefit Denial Legal Options
  518. ERISA Disability Benefits Lawsuits - What You Must Know
  519. Does It Matter Who Pays My Disability Insurance Premiums?
  520. Is There A Time Limit To File An ERISA Disability Lawsuit?
  521. Your ERISA Disability Benefit Appeal Must Include Everything
  522. Can I Get Unemployment and Disability Insurance Benefits?
  523. Watch Out For a Disability Benefit Denial Strategy Used By Cigna Insurance Co.
  524. The Standard: What To Expect With A Long Term Disability Benefit Claim
  525. Is Unum Denying More Disability Benefit Claims Than Usual?
  526. Applying for short or long term disability insurance benefits should not be done alone
  527. Fibromyalgia and Chronic Fatigue Disability Benefit Legal Update
  528. Guardian Life Disability And What To Expect When Seeking Disability Benefits
  529. Jackson National Disability Insurance Claim Help Video
  530. Tips About a Unum Medical Examination in a Disability Benefit Claim
  531. Prudential Disability Insurance Buyout or Lump-Sum Settlement
  532. Beware of Mental Nervous Limitations in Long Term Disability Benefit Policies?
  533. Important Steps to Take for an ERISA Disability Benefit Appeal
  534. Are Attorney's Fees Recoverable in an ERISA Disability Denial Case?
  535. Business Overhead Expense Disability Insurance Claim Information Video
  536. Third Party Administrator Role in Disability Insurance Claims
  537. PTSD Long Term Disability Insurance Claim Information
  538. Aetna Long Term Disability Claim Denial Information
  539. Hartford Disability Settlement and Lump Sum Buyout Help
  540. Cigna Lump Sum Buyout & Settlement Disability Claim Assistance
  541. What is an Attending Physician Statement and how should it be completed?
  542. Chronic Pain And How it Relates to Disability Insurance Claims For Long Term Benefits
  543. Can the disability insurance company call my doctors without telling me?
  544. Attorney Alex Palamara wins disability appeal against Cigna for Lockheed Martin employee
  545. Peripheral Neuropathy Disability Insurance Benefit Tips from Disability Lawyers
  546. HIV or AIDS Disability Insurance Benefits Claim Information
  547. Bipolar Disorder - Disability Insurance Benefit Tips from Disability Insurance Lawyers
  548. Lupus Disability Insurance Benefit Claim Information
  549. Disability Insurance Benefits Information For People with Diabetes
  550. Eye / Visual Disorder Disability Insurance Benefit & Claim Information
  551. How often can my disability insurance company require a Claimant Statement?
  552. Disability Insurance Claim Co-Counsel for Lawyers and Attorneys Nationwide
  553. Ohio: How Can A Disability Insurance Attorney Help Me To Collect STD or LTD Benefits?
  554. North Carolina: How Can A Disability Lawyer Help With A Disability Claim?
  555. Broadspire Disability Insurance Claim and Denial
  556. Hartford Disability Insurance Denials and Lawsuits Appear to Be On the Rise
  557. New Jersey: Disability Insurance Lawyers Helping Disability Claimants Nationwide
  558. Cigna Disability Claim Review and Assessment Appears to Have Started?
  559. Arizona: Disability Lawyer Wants You to Know that Disabilty Benefit Denial Help Is Available
  560. Disability Lawyers Helping Insurance Claimants in Georgia & Nationwide with LTD Benefits
  561. Indiana: Our Disabilty Insurance Lawyers Help People With Disability Benefits Nationwide
  562. Massachusetts Disability Attorney Helps Claimants Denied Disability Benefits Nationwide
  563. Michigan: A Disability Lawyer Helps Insurance Claimants With Long Term Disability Benefits
  564. Virginia: A Disability Lawyer Helps Disability Insurance Claimants At All Stages
  565. Washington: Disability Lawyer Help With Disability Insurance Benefits Nationwide
  566. Pennsylvania - A Disability Lawyer Helping Insurance Claimants Nationwide
  567. Texas Disability Lawyer Helping Disability Insurance Claimants Nationwide
  568. New York Disability Insurance Lawyer - LTD and ERISA Disability Benefits
  569. Disability Benefit Lawyers Helping Disability Claimants in Illinois and Nationwide
  570. Great-West Life Assurance Company - Disability Insurance Claim & Denial
  571. Hartford Disability Denial of Woman with Sjögren's Syndrome Reversed by California Court
  572. 24 Month Self Reported Symptoms Limitation in Unum Disability Policy Case Study
  573. Prudential and Liberty Life Reverse Disability Benefit Denial for Two Stroke Victims
  574. A Mental Health Limitation disability benefit denial by Principal Financial after 24 months
  575. Cognitive Limitations Create Difficult Issues In Obtaining Disability Insurance Benefits
  576. Malingering and Disability Insurance Claims - What Does It Mean?
  577. OB/GYN Resolves Unum Long Term Disability Claim With Confidential Settlement
  578. Free Legal Consultation with Disability Attorney Dell & Schaefer
  579. Tips For Doctors Seeking Long Term Disability Insurance Benefits, Application & Denial
  580. Bad Faith Disability Claim Denial and Lawsuits
  581. Tips for handling a denial of a Waiver of Life Insurance Premium due to a disability
  582. Has Trustmark Disability Advisors Requested An Interview About Your Disability Claim?
  583. Legal Representation During Your Disability Insurance Claim By Disability Insurance Attorneys
  584. Long Term Disability Insurance Application Process for Doctors, Surgeons & Dentists
  585. Disability Attorneys Dell & Schaefer Help Disability Insurance Claimants Nationwide
  586. Prudential Disability Insurance Claim Denials Resulting In Lots of Appeals & Lawsuits
  587. Parkinsons Disease Long Term Disability Claims Information & Help
  588. Cancer Long Term Disability Claim Video
  589. Will The Cigna Disability Insurance Settlement Agreement Cost Cigna $77 Million?
  590. Cigna Disability Regulatory Settlement Agreement for Pennsylvania Residents
  591. Cigna Disability Agreement for Massachusetts Residents Video
  592. Cigna Disability Insurance Settlement for Maine Residents Informational Video
  593. Cigna Long Term Disability Agreement Info for Connecticut Residents Video
  594. Cigna and California Department of Insurance Long Term Disability Settlement Agreement
  595. Cigna / LINA Long Term Disability Insurance Settlement Agreement Information
  596. Rheumatoid Arthritis Long Term Disability Claim Tips
  597. Irritable Bowel Syndrome Long Term Disability Claims
  598. Osteoarthritis Long Term Disability Claim
  599. Crohn's Disease Long Term Disability Claim
  600. Menieres Disease Long Term Disability Claim
  601. Chronic Fatigue Syndrome Long Term Disability Claim Information
  602. Knee Disorders Long Term Disability Claims Help & Information
  603. Shoulder Disorders Long Term Disability Insurance Claim Help & Information
  604. Stroke Long Term Disability Claims Information & Help
  605. Headaches & Migraines Disability Insurance Claim Help & Information
  606. Heart Disease Disability Insurance Claim Information & Help
  607. Lyme Disease Long Term Disability Insurance Claim Tips
  608. MS / Multiple Sclerosis Disability Insurance Claim Help & Information
  609. Fibromyalgia Disability Insurance Claim Help & Information
  610. Depression & Anxiety Disability Insurance Claim Help & Tips
  611. Disability Insurance Claims Dealing with Neck Pain and Disorders
  612. Insomnia Disability Insurance Claim Information & Tips
  613. Sleep Apnea & Long Term Disability Insurance Claim Tips
  614. Carpal Tunnel Short & Long Term Disability Insurance Claim Tips
  615. Reassure America Disability Insurance Claims, Benefit Denials & Lawsuits
  616. An American United Life Insurance Company Disability Lawsuit
  617. Assurity Life Insurance Company - Disability Insurance Lawsuits Information
  618. Boston Mutual Life Insurance Company Disability Claim Tips
  619. Companion Life Insurance Company Uses Video Surveillance to Deny Disability Benefits
  620. Dearborn National Fights to Deny Disability Insurance Benefits
  621. New York Life Disability Insurance Denial is Reversed
  622. Reliastar & ING Disability Benefit Claims, Denial, Appeals and Lawsuit Claim Tips from Lawyers
  623. Helping People with Disability Claims Handled By Trustmark Disability Advisors Video
  624. Monarch Insurance Company Disability Claims & Lump Sum Buyouts
  625. UNUM Lump Sum Settlement / Disability Lump Sum Buyout
  626. The Standard Insurance Company - Disability Buyout or Lump Sum Offer?
  627. Aetna Ordered To Pay Attorney Fees Following Denial of Disability Benefits
  628. Liberty Mutual Denial of Disability Benefits to Allstate Employee is Reversed
  629. Hartford Insurance attempts to dismiss disability insurance lawsuit claiming Statute of Limitations
  630. Inexperienced ERISA disability attorney ordered to pay $4,000 to Prudential Insurance Company
  631. Prudential Disability Insurance Benefit Denial Not Subject to 24 Month Mental Nervous Limitation
  632. Union Central Insurance Disability Benefit Application, Appeal, Denial, Lawsuit, Claim
  633. Mutual of Omaha - Disability Insurance Benefit Denials, Appeals, Lawsuits & Claims
  634. Assurant or Union Security Disability Benefit Appeal, Denial. Lawsuit, and Claim
  635. AIG Disability Insurance Claim, Denial, Appeal and Lawsuit Information
  636. Disability Insurance Claim Tips For Disabling Back & Lumbar Pain
  637. Aetna Claim Denial Reversed After Aetna Disability Appeal Submission
  638. AXA Equitable Disability and DMS Disability Insurance Help From Lawyers
  639. If my social security disability claim was denied will my disability insurance claim be denied?
  640. Reliance Standard Disability Insurance Claim Denial ERISA Appeal Tips
  641. 3 Important Steps to Take Following a CIGNA / LINA Disability Denial
  642. Attorney Gregory Dell - A National Disability Insurance Attorney
  643. Hartford Disability Lawsuit and Appeal of A Disability Insurance Denial
  644. Attorneys Dell & Schaefer: Representing Disability Insurance Claimants Nationwide
  645. A disability insurance claim caused by a pain disorder is not a depression disability claim
  646. Unum Disability Denial & Appeal Tips
  647. Attorneys Dell & Schaefer's Commitment To Our Clients
  648. Disability Insurance Attorneys Dell & Schaefer, Helping The Disabled Since 1979
  649. Three Important Things to Consider When Applying for Disability Insurance Benefits
  650. Disability Attorney Gregory Dell Appears on the Ed Tyll Radio Show
  651. Aetna Disability Benefit Denial for Former Boeing Employee is Upheld by Appeal Court
  652. Cigna Disability Insurance Denial to Woman with Sjogren's Disease
  653. Aetna Disability Insurance Denial of a Boeing Employee Results in Bankruptcy
  654. MetLife Request for a Disability Insurance IME Exam Denied By California Judge
  655. Hartford Disability Benefit Denial - Three Important Tips From A Disability Attorney
  656. Important Steps to Take If Aetna Has Denied Your Disability Insurance Benefits
  657. What relationship does UNUM have with hired doctors in disability insurance claims?
  658. Hiring A California Disability Attorney For A Disability Insurance Claim or Denial is Important
  659. CIGNA Ordered To Pay Disability Insurance Benefits Beyond 24 Month Mental Nervous Limitation
  660. Principal Financial Group - Disability Insurance Claims, Denials & Lawsuits Help
  661. Resolved Disability Insurance Cases by Attorneys Dell & Schaefer
  662. Frequently Asked Questions About Disability Insurance Claims
  663. Things to Expect if Your Disability Insurance Claim was Denied and a Lawsuit Must be Filed
  664. Attorneys Dell & Schaefer: Legal Representation For Disability Insurance Claims
  665. Like Our Facebook Page and Lets Protect Your Disability Income Benefits
  666. SSDI Approval Does Not Mean LTD Disability Insurance Benefits Will Be Paid
  667. Liberty Mutual Relies On Video Surveillance to Deny Disability Benefits
  668. Hartford Has Some Sneaky Disability Claim Handling Practices
  669. Residual Disability Insurance Claims and Applying For Disability Benefits
  670. Accident vs. Sickness Provision in Disability Insurance Policy Requires Immediate Attention
  671. Sedgwick Ignores Medical Records and Denies Disability Benefits
  672. Disability Insurance Denial and ERISA Appeal Deadlines Prior to Lawsuit
  673. Top 5 Reasons for Disability Insurance Denial
  674. ERISA Disability Appeal - 5 Reasons You Should Have A Disability Attorney
  675. SunLife Insurance Company Lump-Sum Benefit Buyout Offers
  676. Is it safe for a disability claimant to be on Facebook or other social media?
  677. Illinois Mutual Disability Insurance Claim & Denial Attorneys
  678. Social Security Disability Offsets in Disability Insurance Claims
  679. Reliance Standard Life Insurance - Disability Benefit Claim Attorneys-Appeals, Lawsuits and Claims
  680. Lincoln Financial Group and Jefferson Pilot Corporation Disability Claims
  681. Ohio National Life Insurance Company - A Disability Attorney's View
  682. Sedgwick Disability Benefit Claims
  683. Aetna Disability Insurance Claims - A Disability Attorney's View
  684. Deposition of Insurance Co. Employee in a Disability Insurance Benefits Denial Lawsuit (Ep. 19)
  685. Disability Insurance Adjuster Meets With His Supervisor
  686. Mr. Disability: A Warning for Disability Insurance Claimants
  687. Who Makes The Final Decison To Approve Or Deny Disability Insurance Benefits? (Ep. 17)
  688. A Senator's View of ERISA Disability Insurance Claims (Ep. 20)
  689. Beware of Hired Gun Doctors in Disability Insurance Claims (Ep. 23)
  690. A Federal Judge's Perspective on ERISA Disability Insurance Claims (Ep. 21)
  691. Don't Handle Your Disability Insurance Claim Without An Attorney
  692. An ERISA Appeal for Disability Insurance Benefits Must Be Perfect
  693. Free Pain Journal Provided by Disability Insurance Attorneys Dell & Schaefer
  694. Should I Stop Paying My Disability Insurance Premiums Even Though My Claim Decision Is Pending?
  695. 10 Reasons ERISA is an Unfair Law for Disability Insurance Claimants (Ep. 15)
  696. How Can One Disability Company Approve My Claim But My Other Disability Company Has Denied My Claim?
  697. Lloyds of London Disability Insurance Claims
  698. Northwestern Mutual Insurance Disability Claims
  699. Do disability insurance companies deny all claims for disability benefits?
  700. Application Process for Short and Long Term Disability Insurance Benefits
  701. 10 Things To Expect When Your Disability Insurance Company Asks For An IME Exam (Ep. 16)
  702. Will the Disability Insurance Company Pay My Doctor to Complete an Attending Physician Statement?
  703. If I can not afford medical treatment can I still collect Disability Insurance Benefits?
  704. Do I have to sign the social security reimbursement agreement requested by the disability company?
  705. If I Am Approved for Social Security Benefits Does That Mean My Disability Claim Will Be Approved?
  706. How Does Workers Compensation Benefits Affect a Claimant's Disability Insurance Benefits?
  707. What is a Functional Capacity Exam (FCE) & Should I Go to an FCE?
  708. What Does Payment of Disability Benefits Under "Reservation of Rights" Mean?
  709. Can I Earn Money While I Collect Long Term Disability Benefits?
  710. What Are the Most Common Disabling Conditions for a Long Term Disability Claim?
  711. What Type of Doctor Should I Be Treating With in Order to Claim Disability Benefits?
  712. If I Am Physician Claiming Long Term Disability Can I Treat Myself?
  713. Unum / Provident / Paul Revere Long & Short Term Disability Claims (Ep. 13)
  714. MetLife Disability Denial Reversed By Court For Unreasonable Claim Handling (Ep. 14)
  715. Do I Have to File an Appeal Before I Can File a Lawsuit?
  716. What should you do when the disability insurance company does not respond to your ERISA Appeal?
  717. Why Does the Disability Insurance Company Request My Tax Returns?
  718. Can My Disability Claim Be Denied if My Doctor Has Not Released Me to Return to Work?
  719. Can I receive disability benefits while my appeal or lawsuit is pending?
  720. How Long Will I Receive Disability Benefits Once My Disability Claim is Approved?
  721. Should I Return the "Medical Authorization Release" Form to the Disability Insurance Company?
  722. Can I Sue My Long Term Disabilty Insurance Company for Bad Faith or Punitive Damages?
  723. Why should I hire a disability attorney to submit my ERISA Appeal?
  724. How Do I Determine My Date of Disability for a Long Term Disability Insurance Claim?
  725. What Are Self Reported Condition Limitations in a Disability Insurance Policy?
  726. Can My Long Term Disability Claim Be Denied for a Pre Existing Condition?
  727. What Is a Residual Disability Income Claim?
  728. Can I Do Volunteer Work While I Am Collecting Disability Benefits?
  729. Am I Required to Have Surgery in Order to Collect Long Term Disability Benefits?
  730. How Often Is a Disability Claimant Expected to Treat With a Doctor?
  731. The 5 Most Common Reasons for a Disability Insurance Claim Denial
  732. Mass Mutual Financial Disability Insurance Claims (Ep. 11)
  733. Liberty Mutual Long Term & Short Term Disability Insurance Claims (Ep. 12, part 2)
  734. Liberty Mutual Long Term & Short Term Disability Insurance Claims (Ep. 12, part 1)
  735. Sun Life Financial Disability Insurance Claims (Ep. 10, part 2/2)
  736. Sun Life Financial Disability Insurance Claims (Ep. 10, part 1/2)
  737. Guardian & Berskhire Life Long Term Disabilit Insurance Claims (Ep. 9)
  738. MetLife Disability Insurance Company (Ep. 7, part 1/2)
  739. Prudential Long Term Disability Insurance Claims (Ep. 8, part 2/2)
  740. Prudential Disability Insurance Company (Ep. 8, part 1/2)
  741. MetLife Disability Insurance Company (Ep. 7, part 2/2)
  742. Never Speak to Disability Insurance Company Without an Attorney
  743. IME doctors MAY NOT be independent
  744. Beware of Outside IME Companies Hired by Disability Insurance Companies
  745. Disability Insurance Co. Interview Request FAQ #2
  746. Disability Insurance Company Interview Request FAQ #1
  747. Disability Insurance Independent Medical Exams (IME) FAQ #5
  748. Disability Insurance Independent Medical Exams (IME) FAQ #4
  749. Disability Insurance Independent Medical Exams (IME) FAQ #3
  750. Disability Insurance Independent Medical Exams (IME) FAQ #2
  751. Disability Insurance Independent Medical Exams (IME) FAQ #1
  752. IME Exams Requested By Disability Insurance Companies Can Be Dangerous (Ep. 4, part 2/2)
  753. IME Exam Requested By Disability Insurance Companies Can Be Dangerous (Ep. 4, part 1/2)
  754. Beware of Interview Request By Disability Insurance Companies (Ep. 3, part 2/2)
  755. Beware of Interview Request By Disability Insurance Companies (Ep. 3, part 1)
  756. CIGNA Long-Term Disability Insurance Company (Ep. 6, part 2/2)
  757. CIGNA Long-Term Disability Insurance Company (Ep. 6, part 1/2)
  758. Hartford Disability Insurance Company (Ep. 5, part 2/2)
  759. Speak With a Disability Insurance Attorney Before You File Your Claim
  760. How Important Is the Support of My Treating Physician?
  761. What Types of Medical Conditions Are Most Commonly Challenged by Disability Insurance Companies?
  762. What Is a Lump Sum Buyout?
  763. How Do Disability Insurance Companies Calculate Lump-Sum Buyouts?
  764. Why Consider a Lump-sum Buyout of Your Disability Insurance Policy?
  765. Is ERISA a Fair Law for Disability Claimants?
  766. How Does an Individual Disability Claim Differ From an ERISA Group Disability Claim?
  767. How Do I Know if My Disability Policy is Subject to ERISA?
  768. Why Was ERISA Created?
  769. Are There Any Penalties if a Disability Insurance Company Violates ERISA?
  770. Who Are the Largest Private and Group Disability Insurance Companies?
  771. Time to File an ERISA Disability Appeal?
  772. What is the "any occupation" definition of disability?
  773. What is an "Own Occupation" definition of disability?
  774. Does Having a Disability Insurance Attorney Raise a Red Flag?
  775. Why Is It Important to Have a Disability Attorney When Applying for Disability Insurance Benefits?
  776. Why Are Disability Insurance Policies Difficult to Understand?
  777. Hartford Disability Insurance Company (Ep. 5, part 1/2)
  778. Disability Insurance Companies Love Video Surveillance (Ep. 2, part 1)
  779. Disability Insurance Companies Love Video Surveillance (Ep. 2, part 3/3)
  780. Disability Insurance Companies Love Video Surveillance (Ep. 2, part 2/3)
  781. Lump-Sum Disability Policy Buyouts
  782. ERISA Lawsuits & Trials
  783. ERISA Disability Insurance Appeals
  784. Group / ERISA Claim Denial
  785. Individual Disability Claim Denial
  786. Disability Insurance Attorneys Can Keep The Insurance Companies Honest
  787. Applying For Disability Benefits: Individual or Group Disability Policy
  788. Applying For Disability Insurance Benefits
  789. Services Offered By Disability Insurance Attorneys Dell & Schaefer
  790. Cesar Gavidia -A Nationwide Disability Insurance Attorney
  791. The Importance Of A Disability Insurance Attorney
  792. The Importance Of A Disability Insurance Attorney
  793. SSDI Benefits versus Long Term Disability Insurance Benefits (Ep. 1)
  794. What Is the Appeal Process if My Social Security Disability Claim Has Been Denied?
  795. How long do I have to be disabled before I can file a claim for Social Security disability benefits?
  796. Does Social Security Always Deny Disability Claimants the First Time They Submit a Claim?
  797. Does Social Security Disability Approve Claims That Are Based on Subjective Medical Conditions?
  798. Should I Allow My Disability Insurance Company to Interview Me in My Home?
  799. Video Surveillance FAQ #1
  800. Video Surveillance FAQ #4
  801. Video Surveillance FAQ #5
  802. Video Surveillance FAQ #3
  803. Video Surveillance FAQ #2
  804. How Does The Social Security Administration Determine If a Person Is Eligible for Social Security?
  805. How Often Does the Social Security Administration Evaluate a Claimant's Eligibility?

RESOLVED CASES

  1. Anesthesiologist Approved for Long Term Disability Benfits Plus an Extra 9 Months of Benefits
  2. Attorney Alexander Palamara of Dell Disability Lawyers gets LTD Benefits Reinstated for former Walmart Manager who is now found disabled from Any Occupation
  3. Research Epidemiologist with chronic fatigue / ME wins LTD appeal against Prudential
  4. Executive Director with Meniere's Denied Long Term Disability Insurance Benefits By Hartford
  5. Lincoln Approves Long Term Disability Benefits After Four Year Fight
  6. Cigna Sued For Failing To Make A Timely Decision on Appeal
  7. Lincoln National LTD Denial for Pre-Existing Condition Reversed on Appeal
  8. Illinois Mutual terminates benefits for Tire Kingdom Service Manager After Review By Hired Physician
  9. A Hartford Disability Benefit Lawsuit Victory for Truist Banker with Lupus
  10. Hartford Denies Disability Benefits To Home Depot Employee 3 Weeks Before Change of Disability Definition
  11. Lincoln overturned its previous denial of LTD benefits for Escalation Engineer
  12. JP Morgan Chase Financial Advisor With Cancer Wins Prudential Long Term Disability Appeal
  13. The Standard, Ameritas and Sun Life Agree to Pay Residual Disability Benefits to General Surgeon
  14. NY Life Disability Benefits Reinstated on Appeal Despite Independent Medical Examination
  15. Unum Approves LTD Benefits for Pharmacist with Eye Disorder
  16. Teacher's Disability Benefits Reinstated by MetLife
  17. Billing Manager With Back Disorder Wins Unum Long Term Disability Denial Appeal
  18. Prudential Fails to Pay Long Term Disability Benefits of Claimant Suffering from Addison’s Disease
  19. MetLife Denies Disability Benefits and Tells TFORCE Truck Driver Its Safe For Him to Drive
  20. Hartford Denies Long Term Disability Benefits After Paying for 22 Years
  21. Contracts Manager With Toxic Encephalopathy Wins MetLife Long Term Disability Denial Appeal
  22. Project Manager with Migraines Gets NY Life Disability Benefit Denial Reversed
  23. After Principal Denies Continued Disability Benefits, Attorney Alexander Palamara Gets Claim Reinstated for a Vienna Beef Employee
  24. After Two Appeals The Standard Insurance Approves Short & Long Term Disability Benefits for Nurse
  25. Aetna Overturns Denial of Long Term Disability Benefits for Quality Control Manager
  26. CIGNA Overturns a Waiver of Premium for Group Life Insurance Policy
  27. After Appeal, Lincoln Overturns Denial of LTD benefits for Trucking Supervisor
  28. Cigna Admits Error In Denying Disability Benefits
  29. Sun Life Overturns Its Previous Denial of LTD Benefits for Massachusetts Teacher
  30. CIGNA Overturned Their Denial of LTD Benefits for Nevada Healthcare Coordinator
  31. Unum Lifts Mental Health Limitation on Disability Claim
  32. Hartford Overturns Denial of Disability Benefits on Appeal
  33. CIGNA Denies Technology Manager under the Own Occupation Provision & Dell Disability Lawyers Wins Appeal
  34. Hartford Approves Disability Claim After Appeal Deadline
  35. Aetna Removes 24 Month Limitation for Mental Health Conditions
  36. Reliance Standard overturned its previous denial of long term disability benefits for Texas Retail Store Manager
  37. MetLife Approves Long Term Disability Claim For Executive Assistant with Neck Pain
  38. Dell Disability Lawyers Wins Short Term Disability Appeal Against Lincoln
  39. Liberty Mutual Approves Disability Benefits to Senior Vice President
  40. Successful Appeal Against Prudential Gets Breast Cancer Survivor Back on Claim for LTD Benefits
  41. Aetna Overturns Denial of LTD for Former Employee of The Home Depot
  42. Reliance Standard overturned LTD denial for Tennessee Technology Sales Consultant
  43. Prudential Overturns Disability Denial to Chiropractor
  44. Prudential Approves LTD Claim on Voluntary Appeal
  45. After Appeal Sun Life Finally Approves Disability Benefits for Data Engineer
  46. Sun Life overturned previous denial of LTD for California Diagnostics Manager
  47. Aetna Reinstates Benefits for Former SAP America Employee Suffering the Effects of a Head Injury
  48. CIGNA overturned previous denial of waiver of life insurance premiums
  49. Dell Disability Lawyers successfully appeal denial of benefits to claimant with CRPS/RSD
  50. LINA overturned its previous LTD denial for Medical Technologist
  51. MetLife Approves Disability Benefits to Dentist With De Quervain's
  52. Prudential Approves Disability Claim on Appeal
  53. Liberty Mutual Overturns Denial of Disability Benefits Following Submission of an ERISA Appeal
  54. Dell Disability Lawyers Refuses to Allow Prudential to Force Claimant Into Submission
  55. Northwestern Mutual Approves Claim For Disability Benefits
  56. Dell Disability Lawyers Successfully Appeals Denial Of Benefits To Former Trial Attorney
  57. Cigna Overturns Denial of LTD Benefits to Computer Systems Engineer after Appeal and Independent Medical Examination
  58. Hartford overturned its previous denial of LTD benefits for Illinois Account Representative
  59. Cigna Finally Approves Claim for LTD Benefits for Former Nurse Employed at Hollywood Presbyterian Medical Center
  60. Hartford overturned previous denial of long term disability benefits for New York Consultant
  61. Dell Disability Lawyers Successfully Appeals Denial of Benefits to Former Clinical Therapist
  62. Liberty Reinstates Long Term Disability Benefits for the Second Time
  63. Dell Disability Lawyers Successfully Appeals Metlife Denial of Benefits to Veteran
  64. Unum Approves Long Term Disability Application to a Program Manager
  65. Attorney Cesar Gavidia Successfully Reinstates CIGNA Benefits to a Senior Systems Engineer Suffering from Migraines
  66. Lincoln National Life Insurance Company overturned previous denial of long term disability benefits for Wyoming Professor
  67. Dell Disability Lawyers Administrative Appeal for Cafeteria Manager Forces Lincoln to Re-Approve Disability Claim
  68. Symetra Reinstates LTD Benefits for Former Vice President of Grady Management, Inc. who suffered from multiple Strokes
  69. Aetna overturned previous denial of long term disability benefits for Georgia Assistant
  70. Berkshire Approves Application for Disability Benefits to Sales Manager
  71. Cigna Overturns Denial of Long Term Disability Benefits
  72. Metlife Overturns Denial on Appeal by Dell Disability Lawyers
  73. CIGNA overturned previous denial of long term disability benefits for Massachusetts Senior Advisor
  74. After appeal filed by Attorney Jay Symonds, UNUM overturned previous denial of long term disability benefits for South Carolina Nurse
  75. Prudential overturned previous denial of long term disability benefits for Oregon Software Engineer
  76. CIGNA overturned previous denial of long term disability benefits for New Jersey Account Manager
  77. Cigna Overturns Denial of Long Term Disability Benefits On Appeal
  78. Standard Approves Disability Benefits to Attorney with Fibromyalgia
  79. Cigna Overturns Denial of LTD Benefits for Maintenance Supervisor Suffering from Serious Back Issues
  80. After appeal filed by Attorney Jay Symonds, Mutual of Omaha overturned previous denial of short term disability benefits for Maine Senior Software Engineer
  81. Prudential Decides to Terminate Long-term Disability Claim of Disabled Chevy Chase Bank Manager That It Had Paid for 11 Years, But It Overturns Decision After Dell Disability Lawyers' Appeal
  82. Prudential overturned previous denial of long term disability benefits for Connecticut Audit Manager
  83. Cigna approves disability benefits to Doctor with Ehlers-Danlos
  84. CIGNA overturned previous denial of long term disability benefits for Washington Crime Scene Photographer
  85. Prudential denial overturned on Appeal after Dell Disability Lawyers established that Medical Device Representative could not perform duties of any gainful occupation
  86. Cigna again reinstates claim of Archdiocese of Baltimore Registered Nurse thanks to Appeal by Dell Disability Lawyers
  87. Prudential overturned previous denial of long term disability benefits for Mississippi Nuclear Medicine Tech
  88. Cigna overturns decision to terminate benefits of Claimant suffering from Multiple Sclerosis
  89. Senior Global Tax Director for billion dollar worldwide industrial company is again receiving disability benefits from MetLife after Appeal by Attorney Alexander Palamara
  90. After Appeal filed by Attorney Alexander Palamara, Cigna overturns its previous denial of long term disability benefits for Retail Clerk suffering from Bipolar Disorder and Chronic Pain
  91. Principal reinstates benefits of Orthopedic Surgeon unable to work full-time after Attorney Rachel Alters submits Appeal
  92. Unum and Sun Life approve disability benefits to OB/GYN
  93. After appeal filed by Attorney Jay Symonds, Hartford overturned its second denial of long term disability benefits for Alabama CEO
  94. After appeal filed by Attorney Jay Symonds, Hartford overturned its previous denial of long term disability benefits for Tennessee Claims Supervisor
  95. Computer Programmer is back on claim receiving LTD Benefits after Attorney proves to Lincoln it acted wrongly
  96. Accountant who was previously on claim for 7 years gets LTD re-approved after Appeal to Lincoln Financial Group
  97. CIGNA overturned previous denial of both long term disability benefits for Massachusetts IT Procurement Specialist
  98. CIGNA overturned its previous denial of both short term and long term disability benefits for Michigan Senior Personal Banker
  99. LTD claim approved for a second time for an Insurance Sales Agent after Prudential denies claim based on self-reported physical capabilities
  100. After an appeal, a former Director of Information Security, gets disability benefits approved for mental health disorder. The fight for long term disability benefits for client’s physical limitations continues
  101. Lincoln Approves Disability Benefits Following Second Appeal
  102. Dell Disability Lawyers file Lawsuit in Federal Court against Aetna after it denied long-term disability benefits to former software Developer
  103. Reliance Standard overturns decision to deny long-term disability benefits to Paediatrician with Ovarian Cancer
  104. After Aetna denied Ms. Garner's long-term disability claim, Ms. Garner filed suit against Aetna, and the Court overturned Aetna's decision and ordered it to pay Ms. Garner's disability benefits
  105. Respiratory Therapist whose claim was denied without a proper review gets LTD claim approved after Appeal to CIGNA
  106. Reliance Standard reinstates disability benefits to Project Manager
  107. Cigna reinstates disability benefits to Project Manager on Appeal
  108. After appeal filed by Attorney Jay Symonds, Prudential overturned its previous denial of long term disability benefits for Pennsylvania Corporate Training Coordinator
  109. Trinity Health Care Registered Nurse wins Cigna long term disability Appeal
  110. Lincoln Financial denial of LTD benefits after paying for 9 years is reversed on Appeal
  111. Assurant overturned its previous denial of long term disability benefits for Maine Sales Consultant
  112. After appeal filed by Attorney Jay Symonds, Hartford overturned its previous denial of long term disability benefits for Kentucky District Sales Manager
  113. LTD claim approved by Lincoln for former Biomet, Inc. employee suffering from Meniere's Disease
  114. After appeal filed by Attorney Jay Symonds, NWM overturned its previous denial of long term disability benefits for California Customer Relations Supervisor
  115. Standard overturns decision to deny disabled Project Manager long-term disability insurance benefits after first Appeal
  116. Disabled Vessel Captain for Marine Services Corporation wins long-term disability Appeal with CIGNA
  117. After appeal filed by Attorney Jay Symonds, Sun Life overturned its previous denial of long term disability benefits for Florida ICU Nurse
  118. After it had previously overturned a denial after an initial Dell Disability Lawyers Appeal, Liberty denied our client's claim again. After a new appeal, Liberty has now agreed to reinstate our client yet again.
  119. After appeal filed by Attorney Jay Symonds, Prudential overturned its previous denial of long term disability benefits for New York Financial Control Officer
  120. Another long term disability claim is reinstated after Disability Attorney Alexander Palamara successfully argues The Standard mishandled preexisting condition investigation
  121. Cigna approves disability benefits after two years of fighting
  122. United of Omaha overturns decision to deny benefits to disabled Quality Assurance Manager after Appeal discredits its medical review and vocational assessment
  123. Prudential Overturns Denial of Disabled Welding Foreman Suffering From a Blood Disorder to Only Claim His Disability is Psychosomatic and Limited to 24 Months of Payments
  124. Dell Disability Lawyers Appeal Team Lead by Attorney Cesar Gavidia Successfully Appeal CIGNA's Denial of Benefits to Disabled Lockheed Martin Tech Manager With Traumatic Brain Injury
  125. Standard Overturns Denial of Benefits to Shareholder of Major Law Firm
  126. Hartford Reinstates Disability Benefits to HR Manager
  127. Cigna Approves Disability Claim Following Multiple Denials
  128. Unum Overturns Original Decision to Deny Benefits to Disabled Account Manager Following Appeal Submitted by Dell Disability Lawyers Appeals Team
  129. After appeal filed by Attorney Jay Symonds, Lincoln National overturned its previous denial of long term disability benefits for Washington Sales Representative
  130. Lincoln Financial Reinstates Disability Benefits To School Teacher
  131. Another Palm Beach County Sheriff's Deputy's Long Term Disability Claim is Reinstated Following Appeal by Disability Attorney Alexander Palamara
  132. Team lead by Attorney Cesar Gavidia Forces Prudential to Overturn Long-term Disability Denial on Appeal for IT Support Technician Diagnosed with Cancer
  133. After appeal filed by Attorney Jay Symonds, CIGNA overturned its previous denial of short term disability benefits for New Jersey Project Manager
  134. Cigna Overturns Denial Following Dell Disability Lawyers Appeal
  135. Prudential Overturns Decision to Deny Long-term Disability Benefits to Former JP Morgan Chase Financial Advisor With Mandibular Cancer
  136. Disability Attorney Alex Palamara wins LTD Benefits for Police Officer Denied by Standard
  137. Long Term Disability Appeal Victory Against Cigna for Cardiac Cath Technician
  138. Cigna Approves Disability Benefits to International Sales Manager
  139. Liberty Mutual of NY Disability Benefit Denial Reversed After Two Denials In One Year
  140. Cigna reinstates long term disability claim after reviewing Dell Disability Lawyers appeal
  141. After appeal filed by Attorney Jay Symonds, UNUM overturned its previous denial of long term disability benefits for Colorado Plumber
  142. MetLife reverses decision to terminate LTD benefits after Dell Disability Lawyers files an appeal showing Metlife completely ignored physical conditions of claimant
  143. Disability Attorney Alexander Palamara Proves to Unum that Its Decision to Deny Benefits Was Wrong for Claimant Suffering from Heart Conditions
  144. Lincoln Overturns Denial of LTD Benefits After Two Appeals
  145. Cigna reinstates LTD claim after reviewing Dell Disability Lawyers appeal
  146. After appeal filed by Attorney Jay Symonds, Hartford overturned its previous denial of long term disability benefits for Alabama CEO
  147. After appeal filed by Attorney Jay Symonds, Mutual of Omaha overturned its previous denial of short term disability benefits for Colorado Senior Manager
  148. Standard Overturns Denial of Disability Insurance Benefits
  149. Dell Disability Lawyers Successfully Appeals Denial Of Benefits To Pre-School Teacher
  150. Dell Disability Lawyers Successfully Appeals Denial Of Benefits To Claimant With Trigeminal Neuralgia
  151. CIGNA Reinstates Benefits for Freight Company Truck Driver Following Successful Second Level Appeal
  152. Attorney Cesar Gavidia and Appeal Team at Dell Disability Lawyers Win Appeal Battle Against Unum to Reinstate Long-Term Disability Insurance Benefits to Disabled Software Engineer
  153. Aetna Reinstates Disability Insurance Benefits to Home Depot Manager
  154. Reliance Standard Reinstates Benefits for Former Employee of Parent Company, Delphi Financial, Following Successful Appeal
  155. Cigna Reinstates Long Disability Benefits to a Tugboat Captain
  156. Sun Life Approves Disability Benefits to Surgical Services Director
  157. Sedgwick Reinstates Long Term Disability Claim Following Appeal
  158. 67 Year Old Circuits Designer Reaches Settlement With Prudential After Filing Suit to Recover LTD Benefits Under ERISA LTD Insurance Plan
  159. Palm Beach County Sheriff's Deputy's Long Term Disability Claim Reinstated Following Appeal by Disability Attorney Alexander Palamara
  160. Fresenius Medical Care North America Employee Wins Disability Appeal With CIGNA
  161. Hartford has a Pattern of Conducting Surveillance on a Claimant's Birthday
  162. Dell Disability Lawyers Successfully Appeals Denial Of Benefits To Former Excel Energy Employee
  163. Mutual of Omaha Reinstates Benefits of Business Development Manager after Appealing the Termination of Her LTD Benefits
  164. Attorney Alex Palamara Helps Correction Officer to Win Cigna Disability Appeal
  165. Disability Benefits Reinstated: Dell Disability Lawyers Appeal Gets CIGNA to Admit its Decision to Deny was Wrong
  166. After Being Offered $20,908.56 in Back Benefits and Interest, Attorney Alex Palamara Helps Disabled Nurse Receive $450,213.86 plus $5,000/mo going forward Due to Regulatory Settlement Agreement
  167. Alex Palamara Wins Another Hartford Disability Appeal
  168. Dell Disability Lawyers Successfully Appeals Denial of Benefits to Former Director of a Multinational IT Consulting Company
  169. Cigna overturns Short Term Disability Denial and awards Long Term Disability Benefits
  170. Dell Disability Lawyers Successfully Appeals Denial of Benefits to IT Support Specialist
  171. Prudential Reinstates Disability Benefits To School Teacher
  172. Prudential Overturns Denial of Benefits on Appeal After Denying Claim On Basis That Insured Failed To Show Medically Supported Restrictions and Limitations
  173. Dell Disability Lawyers Successfully Appeals Denial of Benefits to Former Inventory Control Specialist
  174. Prudential Settles Breach of Contract Lawsuit Arising From Allegations That It Terminated the Claim of CPA Disabled Under AICPA Long-term Disability Insurance Policy
  175. Sun Life ignored its own medical expert's opinions supporting registered nurse's inability to work in a sedentary occupation due to severe rheumatoid arthritis
  176. MetLife agrees to overturn its denial of long term disability benefits for Florida Doctor after an ERISA appeal filed by Alex Palamara
  177. Hartford Overturns Denial of Long-term Disability Benefits For Disabled JP Morgan Chase Banker
  178. Attorney Cesar Gavidia successfully appeals Cigna claim denial after Cigna and its medical consultant deny claim alleging that restrictions were not medically supported by the medical records
  179. Dell Disability Lawyers Successfully Appeals Denial of Benefits to Fedex Employee
  180. Dell Disability Lawyers gets Cigna to Reinstate Long Term Disability Benefits for Former Maryland Teacher Suffering from Crohn's Disease
  181. MetLife Reinstates Disability Benefits to Attorney on Appeal
  182. Administrative Appeal by Dell Disability Lawyers forces Principal to Reinstate ERISA Long Term Disability Claim of Former Healthways, Inc. Employee
  183. Reliance Standard Overturns Denial of Benefits on Appeal After Claiming It Failed to Receive Medical Records
  184. After sending claimant to a psychiatric IME, Reliance Standard realizes its decision to deny benefits was incorrect
  185. Liberty Mutual Twice Denies and Approves Long-term Disability Benefits to IT Systems Analyst with Rheumatoid Arthritis
  186. Dell Disability Lawyers convinces Sun Life to Overturn Denial of Long Term Disability Benefits for a Person Suffering from Severe Cervical Disorders
  187. Hartford Agrees to Overturn its Previous Denial of Long Term Disability Benefits for an Employee of Adventist HealthCare who suffers from RSD/Complex Regional Pain Syndrome
  188. Florida Nurse wins long term disability benefits from UNUM after Disability Attorney Alex Palamara wins ERISA Appeal
  189. After Initially Being Denied Long Term Disability Benefits, Dell Disability Lawyers Gets Former Wal-Mart Employee on Claim with Liberty Mutual
  190. Dell Disability Lawyers Successfully Appeals Denial of Benefits to Quality Control Inspector
  191. Prudential Agrees to Reinstate Long Term Disability Benefits for an Employee of DRS Technologies who suffers from very severe back issues
  192. Standard Overturns Denial of Disability Benefits to Chiropractor
  193. Long Term Disability Benefits Reinstated: After Administrative Appeal filed by Dell Disability Lawyers, The Standard Overturns Decision To Deny Former Employee of T-Mobile USA
  194. Appeal filed by Dell Disability Lawyers proves to MetLife that former Morgan Stanley Employee Should Continue to Receive ERISA Long Term Disability Benefits
  195. Administrative Appeal by Dell Disability Lawyers Helps Disabled Man with Eye Disorders Get Approved for Short Term Disability Benefits with Hartford; Long Term Benefits Next
  196. Dell Disability Lawyers ERISA Administrative Appeal Successful: Claimant suffering from Sleep Disorders, Depression and Fibromyalgia Now Receiving Long Term Disability Benefits
  197. Aetna overturns decision to deny LTD benefits for claimant suffering from post-concussion syndrome and neurocognitive disorder
  198. Dell Disability Lawyers ERISA Administrative Appeal Proves to MetLife that Client is Still Disabled and Claim Not Subject to Certain Policy Limitations
  199. Mutual of Omaha Approves Dell Disability Lawyers Client for Short Term Disability Benefits After Administrative Appeal
  200. CIGNA overturns decision to terminate benefits of telephone sales representative with severe degenerative disc disease
  201. Prudential Overturns Another Long Term Disability Denial After Dell Disability Lawyers Appeal
  202. Dell Disability Lawyers successfully appeals denial of benefits to maintenance technician
  203. Cigna Overturns Denial of Benefits to Data Center Manager
  204. Prudential denies and settles long-term disability claim with CPA after CPA becomes totally disabled from chronic cervical neck pain and radiculopathy
  205. Surveillance Video and Independent Medical Examination (IME) Leads to Disability Insurer Terminating Disability Claim After Paying Partially Disabled Insurance Agents Claim For 21 Years
  206. Cigna Approves Any Occupation Disability Benefits After Two Appeals
  207. Prudential Overturns Denial for Dell Disability Lawyers Client Suffering With Serious Back Conditions
  208. After Long Fight for Short Term Disability Benefits, MetLife Has Now Approved Dell Disability Lawyers Client for Long Term Disability Benefits
  209. Dell Disability Lawyers Wins Disability Appeal against Cigna for Mortgage Banker
  210. Dell Disability Lawyers successfully appeal denial by Liberty Life
  211. Cigna Reinstates Long Term Disability Benefits to Medical Coder
  212. Cigna reverses its decision to terminate benefits of a claimant with Fibromyalgia, Cervical Spine Spondylosis and Depression
  213. Reliance Standard Admits They Were Wrong in Denying Long Term Disability Benefits
  214. Nearly Three Years Later, Sedgwick Finally Pays Walgreens' Pharmacist's STD and LTD Claim
  215. Unum Settles Lawsuit with Florida Chiropractor After Initially Denying Long-term Disability Claim
  216. Reliance Standard Overturns Its Decision to Deny; Dell Disability Lawyers Client Will Again Receive Long Term Disability Benefits
  217. Prudential overturns denial of Long Term Disability Benefits for Vietnam War Veteran after Lawyers from Dell Disability Lawyers file appeal
  218. Cigna reverses decision to terminate benefits of claimant suffering from end-stage Myasthenia Gravis
  219. Disability Attorney Cesar Gavidia Wins Hartford Disability Appeal For Target Employee With Rheumatoid Arthritis and Chronic Neck Pain
  220. Prudential Overturns Denial of Long Term Disability Benefits to College Professor
  221. Hartford Buys Out Disability Policy Following Appeal
  222. Dell Disability Lawyers Appeal Successful, Cigna reinstates Long Term Disability Benefits for Lockheed Martin Employee
  223. Cigna Reinstates Benefits to Software Engineer Suffering From Chronic Back Pain
  224. Lincoln Reversed Decision to Deny Benefits of Project Manager Suffering from Chronic Paroxysmal Hemicranial Cluster Headaches
  225. Liberty's Decides to Terminate Benefits to a Claimant with Multiple Sclerosis Based on 40 Minutes of Surveillance Video
  226. Benefits Reinstated: Dell Disability Lawyers Successfully Appeals Cigna's Decision to Deny Benefits for MetroPCS Wireless Employee with HIV
  227. MetLife Removes 24 Month Limitation for Mental Health Condition for Financial Advisor
  228. After Appeal by Dell Disability Lawyers, Cigna overturns its decision to deny Short Term Disability Benefits
  229. Principal Approves Long Term Disability Benefits for Surgeon
  230. Attorney Alex Palamara Wins Disability Appeal Against Cigna for Lockheed Martin Employee
  231. After Two Appeals, Cigna Finally Sees the Light and Pays Disability Benefits
  232. Sun Life Approves Claim for Long Term Disability Benefits
  233. Hartford Reversed Decision To Terminate Claimant's LTD Benefits After Submitting an Appeal
  234. Lincoln Financial Overturns Denial of ERISA Long Term Disability Claim for Dell Disability Lawyers Client, But There Is A Catch
  235. CIGNA Denies Long-term Disability Benefits to Customer Service Representative with Fibromyalgia
  236. Lincoln Admits It Was Wrong To Deny Disability Insurance Claim
  237. Lincoln Approves Disability Claim After Multiple Appeals
  238. Cigna Reverses Long Term Disability Denial And Admits Denying Benefits To Attorney Stricken With Parkinson's Was Wrong
  239. Hartford ERISA Disability Appeal Victory for a Jet Operator Suffering with Chronic Back Pain
  240. A Liberty Life Disability Benefit Denial is Reversed after ERISA Appeal filed by Attorney Alex Palamara of Dell Disability Lawyers
  241. Cigna Overturns Denial of LTD Disability Benefits to Off Shore Oil Rigger Suffering From Post Traumatic Stress Disorder
  242. Mass Mutual Approves Long Term Disability Benefits For an Oncologist That Suffered Stroke
  243. Hartford Settles Disability Claim of 60 Year-Old Account Executive After Terminating LTD Benefits
  244. Sun Life Disability Claim Denial Reversed on Appeal for Funeral Home Director with Chronic Pain and Migraines
  245. Aetna Overturns Denial of Long Term Disability Benefits to Bank Manager with Multiple Sclerosis Following ERISA Appeal
  246. Cigna Overturns Decision to Deny Short Term Disability Benefits to Independent Living Coordinator Suffering from Chronic Pain, Lupus, Fibromyalgia and Connective Tissue Disorder
  247. Metlife Admits Decision To Deny Ltd Benefits To Claimant With Chronic Fatigue Due To Congestive Heart Failure Was Wrong
  248. Two Stroke Victims Win ERISA Appeals Against Prudential and Liberty Life
  249. Prudential Reinstates Long Term Disability Benefits on Appeal to Sales Manager Who Suffered Multiple Strokes
  250. AXA Equitable and DMS Approve LTD Benefits for Litigation Attorney with ADHD & Bi-Polar
  251. Dell Disability Lawyers obtains settlement award for OB/GYN with Unum individual disability policy
  252. Metlife Admits Decision to Deny LTD Benefits Based on Fibromyalgia Limitation Was Incorrect When Claimant's Primary Diagnosis Was Meniere's Disease
  253. Northwestern Mutual Reinstates Disability Benefits to Attorney Suffering From Gastrointestinal Problems
  254. Dell Disability Lawyers Prove to Prudential that Its Decision to Deny Benefits Was Wrong
  255. Mutual Of Omaha Overturns Denial of Short Term Disability Benefits for Software Developer With Chronic Back Pain
  256. Cigna Overturns Denial of Disability Insurance Benefits for IT Consultant Suffering from Physical and Mental Conditions
  257. Dell Disability Lawyers' Client Awarded ERISA Long Term Disability Benefits After ERISA Appeal Filed
  258. Alex Palamara's ERISA Disability Appeal Against Prudential Leads To Reinstatement of Benefits for Woman With Cerebral Aneurysm
  259. MetLife Overturns its Decision to Deny Long Term Disability Benefits After Receiving an ERISA Appeal from Dell Disability Lawyers
  260. Hartford Reinstates Long Term Disability Benefits on Appeal to Computer Systems Administrator Suffering with Chronic Back Pain
  261. Dell Disability Lawyers' Appeal Leads Prudential to Reinstate ERISA Long Term Disability Benefits
  262. Aetna Reinstates Short and Long Term Disability Benefits on Appeal to Warehouse Manager Suffering from Major Depression
  263. Mutual Of Omaha Overturns Denial of Short Term Disability Benefits for Software Developer
  264. Cigna Reverses Disability Denial And Admits Its Decision To Deny Benefits To Attorney Stricken With Parkinson's Was Wrong
  265. MetLife Long-Term Disability Denial Of Disabled Yamaha Motors Corporation Manager With Genetic Disorder Is Reversed Following ERISA Appeal
  266. Chiropractor Obtains Lump-Sum Disability Insurance Settlement Despite Wrong Date of Disability
  267. Reliance Standard Overturns Denial of LTD Disability Benefits to Timeshare Salesman
  268. MetLife Reinstates Benefits to Financial Advisor Suffering From Restless Leg Syndrome & Insomnia
  269. CIGNA Overturns Its Decision to Deny Continued Disability Benefits for Former Employee of Science Applications International Corporation
  270. Unum Approves Disability Benefits Beyond 24 Month Mental Health Limitation
  271. Hartford Admits Decision to Deny LTD Benefits to Claimant with Chronic Lyme Disease Was Wrong
  272. Aetna Denies Disability Benefits after 18 Months of Payment, but Dell Disability Lawyers wins ERISA Appeal
  273. Northwestern Mutual Approves Long Term Disability Insurance Benefits for Veterinarian
  274. Dell Disability Lawyers Win an ERISA Appeal Following Lincoln Financial Disability Denial
  275. Unum disability appeal results in settlement of Unum long term disability claim
  276. Reliance Standard reverses long term disability denial following appeal submitted by Dell Disability Lawyers
  277. Woman with multiple sclerosis files long term disability benefit denial lawsuit against Prudential
  278. Unum Pays One Million Dollars in Disability Benefits to Disabled Lawyer After Reviewing Disability Appeal Submitted By Dell Disability Lawyers
  279. Liberty Mutual Overturns Disability Denial to Truck Driver With Chronic Low Back Pain
  280. Lincoln Financial Reinstates Disability Benefits Following the Submission of an Appeal for an Attorney With Wrist Injuries
  281. UNUM Insurance Company reverses disability insurance denial for CFO/VP of Finance
  282. Liberty Mutual Overturns Disability Insurance Denial in Ten Days
  283. Prudential Overturns Disability Denial for Third Time to Insured with Cluster Headaches
  284. Prudential Awards Long Term Disability Benefits to Doctor Suffering From Parkinson's Disease
  285. AT&T Employee Dealing With Sedgwick Has Horrible Disability Benefit Claim Experience
  286. CIGNA denies benefits after paying for 10 years, but Disability Attorney Stephen Jessup wins benefits for 60 year old client with fibromyalgia
  287. Hartford reverses disability benefit denial after previously paying 62 year old sales rep for 6 years
  288. Standard reverses disability insurance denial for a disabled lawyer
  289. Disability lawyers win ERISA long term disability appeal against Hartford
  290. $79,000 in long term disability insurance benefits is recovered for disabled teacher
  291. MetLife approves disability insurance benefits for OB/GYN suffering from multiple orthopedic conditions
  292. Federal Insurance Company and former postal worker reach confidential settlement regarding lump-sum disability policy
  293. Unum issues disability insurance benefits to currency trader suffering from depression and chronic fatigue
  294. Berkshire and Liberty Mutual approve benefits to OB/GYN suffering from essential tremor
  295. CIGNA lump sum settlement buyout offer obtained for former salesman
  296. General Surgeon wins Long Term Disability Insurance Trial Against Unum
  297. Liberty Mutual reverses decision to terminate disability benefits
  298. Disability carrier denies disability benefits to chiropractor after paying for 8 years, yet Dell Disability Lawyers file lawsuit and obtain lump-sum buyout
  299. Podiatrist with median nerve injury files lawsuit and obtains lump-sum buyout of disability policy
  300. A general surgeon and his legal team at Dell Disability Lawyers win disability insurance jury trial against Unum
  301. Berkshire approves total disability benefits for litigation attorney following surgery to remove a cancerous tumor and multi-level fusion of cervical spine
  302. Reed group overturns its decision to terminate short term disability benefits to medical device sales representative and retired marine corp. officer suffering from post traumatic stress disorder
  303. Prudential reverses denial of long term disability benefits to engineering manager suffering from coronary artery disease
  304. Cameraman suffering from chronic knee problems receives long-term disability benefits from the Mutual of New York Life Insurance Company
  305. Lincoln Financial's denial of long-term disability benefits is reversed following appeal submitted by Dell Disability Lawyers
  306. Dell Disability Lawyers resolve lawsuit against Unum on behalf of ophthalmologist suffering from bi-lateral carpal tunnel syndrome
  307. Unum approves long-term disability benefits for a general surgeon diagnosed with cervical degenerative disc disease
  308. $800,000 lump-sum disability settlement for attorney with depression
  309. Confidential Disability Settlement for a Dentist After Insurance Companies Bad Faith is Exposed
  310. A former podiatrist and current national judo champion and marathon runner collects long-term disability benefits
  311. Aetna approves disability benefits for dentist following brain surgery to remove a tumor
  312. Aetna's denial of disability benefits to an OBGYN physician is reversed following an appeal submitted by Dell Disability Lawyers
  313. Dell Disability Lawyers prove dentist is totally disabled and not residually disabled
  314. Dell Disability Lawyers win long term disability insurance appeal against MetLife on behalf of engineer suffering from Parkinson's
  315. Dell Disability Lawyers win benefits for client under a catastrophic illness policy
  316. Dell Disability Lawyers win long-term disability trial against Prudential on behalf of time-share salesperson suffering from cervical disc disease
  317. Dell Disability Lawyers obtain lump sum buy-out of an Unum long term disability insurance policy for a drywall contractor
  318. AXA Equitable and Disability Management Services approves benefits for a chiropractor suffering from lumbar and cervical disc disease
  319. Berkshire Life Insurance Company approves long-term disability benefits for a dentist suffering from lumbar disc disease
  320. Chiropractor placed on claim despite an "any occupation" provision
  321. Chiropractor receives total disability benefits despite neck exclusion language in a Trustmark Insurance Company disability policy
  322. Cigna approves internal medicine doctor for long-term total disability benefits
  323. Cigna reinstates disability benefits for an accounting manager
  324. Dentist wins appeal and UNUM Provident pays disability benefits
  325. Dentist with hand tremor files suit and receives confidential settlement for past due and future long-term disability benefits
  326. Disability insurance carrier cuts veterinarian's benefits after paying for 9 years
  327. ENT doctor receives $225,000 and continues to work in his same occupation while collecting disability
  328. AXA Equitable pays total disability benefits to an attorney
  329. ERISA disablity insurance claim: pre-existing condition denial overturned for executive
  330. Executive assistant recieves confidential settlement from USAA Life for long-term disability policy
  331. Federal Express ("FEDEX") thought their disability insurance plan was governed by ERISA, but Dell Disability Lawyers and the US Southern District Court of Florida disagree
  332. Former government bond trader and 9-11 survivor receives more than one million dollars in long-term disability benefits
  333. Former options trader receives confidential long-term disability settlement 10 years after his original claim was denied
  334. Hartford agrees to lump-sum buyout of long-term disability policy for account executive
  335. Hartford and Unum approve long-term disability benefits for disabled radiologist
  336. Hartford approves long-term disability benefits for teaching assistant with multiple sclerosis
  337. Lincoln Financial approves long-term disability benefits for financial advisor injured in car accident
  338. Mass Mutual approves long-term disability benefits of $12,000 a month for a financial advisor suffering from musclar dystrohpy (FSHD)
  339. Mass Mutual attempts to deny disability benefits to OBGYN after ten years on claim
  340. MetLife approves long term disability benefits for senior sales manager in the medical supply industry
  341. Neurosurgeon awarded partial disability benefits
  342. Podiatrist receives lump-sum buyout at pre-suit mediation with long-term disability insurer
  343. Prudential pays computer system engineer's ERISA disability benefits after 3 unsuccessful appeals by the insured and his previous attorney
  344. Prudential reinstates long-term disability benefits to sales specialist following appeal filed by Dell Disability Lawyers
  345. Prudential reverses denial on second appeal & pays $175,000 in past due disability benefits to OBGYN
  346. Psychiatrist receives $340,000 long-term disability insurance buyout
  347. Real estate agent recieves lump sum settlement from Unum Provident after appeal is filed
  348. The Standard Insurance Company's denial of disability benefits is reversed on appeal
  349. Unum approves dentist for residual/partial long-term disability benefits
  350. Unum approves long-term disability benefits for a trial attorney suffering from diabetic neuropathy
  351. Unum approves opthamologist for long-term total disabilty benefits
  352. Unum challenges the long term disability claim of a blind salesman
  353. Unum Provident and Monarch Life Insurance Company pay total disability to dentist
  354. Unum Provident approves physiologist's claim for disability benefits
  355. Unum Provident pays advertising executive total disability benefits
  356. Unum Provident pays total disability benefits to a chiropractor with breast cancer
  357. Teacher suffering from Sjorgen's syndrome, fibromyalgia and other conditions receives lump-sum buyout following denial of long-term disability benefits
  358. Liberty Mutual reverses denial of short-term disability benefits and approves long-term disability benefits for advertising account manager
  359. Jefferson Pilot's denial of long-term disability benefits to a quality control manager is reversed

DC REVIEWS

  1. Review from Unknown - What a mess
  2. I was disabled 2003 by SS. I got SSDI 7 years too late.
  3. Review from Allen Cox - only care about $$$$$
  4. Review from Jeff Allsop - They falsify documents and avoid contact as much as possible.
  5. Review from Hana K - This company is a scam!
  6. Review from MartyG - California State Disabilty "OFFSET" never mentioned or outlined when enrolling for STD coverage.
  7. Review from Cezes - Not getting paid
  8. Review from J
  9. Review from Steve -
  10. Review from Kara - They leave you unable to fight
  11. Review from Fed up in PA - Hartford Stopped Payments
  12. Prudential terminated my LTD, so now I have no income
  13. Lincoln Financial made my life a living hell
  14. They demanded an overpayment, stopped my claim, and lied about it
  15. Sun Life is a real pain
  16. I feel like Unum is giving me the runaround!
  17. Payment delays!
  18. Cigna (NYL) denied my claim
  19. Hold up on payments!!!
  20. Paid Family Leave
  21. They should all rot in hell
  22. They will constantly come up with anything to delay paying you
  23. Don't count on Cigna!!! You will be very disappointed!!!
  24. They will do anything to avoid paying
  25. Lincoln Financials wants to claw back my money
  26. Cigna denied my disability claim because they didn't read the "continued on next page"
  27. Cigna denied my STD claim
  28. This is the second time I've been shorted in my check
  29. Your decision making process is absurd!
  30. Everytime SunLife receives my information they ask for another 7 to 10 business days
  31. Lincoiln Financial denied my STD claim because one doctor didn't send them my medical information.
  32. My husband has 2-5 yrs to live, yet MetLife has been giving him the run around
  33. Reliance Standard denied my LTD benefits because COVID-19 limited my ability to provide proof of continued disability.
  34. Lincoln cancelled my benefits because my doctor's notes were handwritten
  35. Inappropriate conduct!! Rude, discriminatory, etc
  36. Lincoln denied my disability claim even though Dr said I couldn't work
  37. Haven't been paid since MetLife denied my appeal months ago
  38. I have lost everything due to non payment of my claim.
  39. Metlife closed my STD claim amid several injuries
  40. Lincoln doesn't think renal failute and 4 dyalisis treatments per day are enough to be. Disabled
  41. Prudential cancelled my policy amid COVID crisis
  42. Cigna denied me and I had no other choice but to go back to work when I wasn't ready
  43. Metlife's COLA recalculation cut my payments with no explanation why
  44. Unum terminated my benefits with no warning
  45. I've been trying to care care of my Unum benefits for over a year. They’ve been so rude
  46. Cigna claiming they never got the forms I sent them
  47. Sorry, Principal. My residual and renewal commissions aren't "earned"
  48. I was sold a policy that I cannot use and no one will show me the policy
  49. SunLife said if I don't apply for SSI they will lower my payments
  50. I don't understand SunLife's overpayment letter
  51. Reliance Standard cut off my LTD benefits claiming I'm fit enough to work even though I'm more sick than before.
  52. I've paid for STD for 20+ years. Now, I'm actually sick and can't get paid
  53. Reliance Standard notified me that my benefits were being stopped with no warning or reason.
  54. MetLife stopping my benefit plan. I'm still disabled
  55. Unum thought I was fine to work. I wasn't
  56. Aetna STD has been a nightmare since the beginning
  57. My doctor signed paperwork and they still denied my pregnancy claim
  58. They promised me min 10% of my salary and max 60%. I got 6%
  59. Hartford never paid me
  60. Guardian not being flexible during Covid
  61. Hartford rep felt so guilty over how the company treated me that she quit
  62. Prudential verbally approved my claim and then sent me a denial letter
  63. Guardian thinks people with lupus miraculously recover
  64. Hartford ajuster won't return my calls. I might have to move back to California
  65. Lincoln Financial pressured me to return to work amid the pandemic
  66. MetLife forgot that women can't lift 20 pounds while pregnant
  67. Aetna leaves me at risk of losing my job and without compension
  68. Do not use this terrible, unethical company. My daughted died waiting for their claim.
  69. I was receiving LTD from Reliance Standard due to breast cancer until they suddenly denied me my benefits.
  70. Hartford keeps saying they haven’t gotten my paperwork
  71. MetLife received all my medical records but still denied my claim
  72. I'm going bankrupt after Hartford rejected all my medical tests/records
  73. Hartford has denying claims down to an artform
  74. SunLife screwed me one week after a C-section
  75. Hartford Insurance Company is a bunch of unpassionate people
  76. I'm using my off time off when it should be under my Cigna short term disability
  77. Unum has made me feel like a criminal
  78. My fiance wants to lie to his doctor so he can go back to work because we can't live off of SunLife
  79. SunLife took away my husband's VA Disability payment
  80. So appalled and frustrated with how Cigna is allowed to get away with this!
  81. Sent 122 pages of paperwork, but MetLife still need more info
  82. LFG made me lose all hope
  83. Lack of respect, consideration, compassion and professionalism
  84. Why are they handling it this way?
  85. 2 days before Christmas, LFG told me my benefits would be discontinued. They didn't contact me before and never told me why
  86. Get your own medical records, mail them certified mail, and pay for the copies so they don’t deny you on their time frame limits!!
  87. I have 11 conditions, and Hartford is going to cut me off
  88. Standard is one of, if not the worse, company in the industry now
  89. Cigna only paying me my earned income instead of base income
  90. I have been severely harmed by Lincoln Financial. Action must be taken against them.
  91. MetLife wants to end my benefits at age 62
  92. Standard is one of, if not the worse, company in the industry Standard hasn't approved or denied my claim in over a year. They keep promising to look at it 'next week'
  93. Filling out MetLife's detailed application could make me ineligable to premium waiver program
  94. Northwestern thinks I can walk even though my left leg is paralyzed
  95. Hartford dragging their feed on my STD
  96. Hartford is a joke. Their favorite word is "denied'
  97. I waited 5 weeks just to be told I can't receive benefits
  98. Over a year passed with zero notification from Hartford
  99. Unum keeps prolonging the process to approve my LTD benefits
  100. Cigna denied my claim after agreeing that I am functionally impaired
  101. This experience with the Hartford is one of the worst things I’ve ever had to deal with
  102. Aetna puts their clients through hell with their games
  103. Cigna used another person's medical info to deny my claim and ignored my doctors
  104. Cigna cut back my payments because I had a pension
  105. Cigna cares more about their shareholds than you
  106. I'm dreading and fearing this mess
  107. This company needs to be sued for their unethical practices!
  108. Cigna thinks they know how I feel inside my head
  109. Principal will do anything not to pay
  110. Lincoln Financial does nothing but give you hoops to jump through.
  111. MetLife is unresponsive to my emails but expects me to respond to theirs
  112. Cigna denied and said they needed more medical info … wow
  113. If Metlife is using ridiculous stall tactics over $12.00, I can't imagine what they do over full price
  114. I've gotten nothing but the run around for over a month. Beyond frustrating and stressful!
  115. I feel that I was robbed
  116. Northwestern is the Quiet Company that silently screws its policy holders but is too big to fail
  117. Lincoln Financial incorrectly cut my check and then unjustly denied my LTD claim.
  118. I only needed Unum once and to no aviail. I got denied
  119. Cigna forces people to not follow their physician's orders
  120. Lincoln Financial Group follows no rules or policies.
  121. Lincoln Financial continuously offsets my son's LTD benefits. It is upending his already difficult life.
  122. Hartford is the worst Insurance company I have ever dealt with
  123. Unum has no sympathy for disabled people!!
  124. Dealing with Unum made me depressed and want to give up
  125. I don't know what to do because they keep telling me different things. It’s ridiculous
  126. I don't understand how a company so big can be so hard to deal with
  127. MetLife cut me off from my job COLD
  128. I couldn't force Unim to pay up because they strategically kept me in limbo, never denying my claim
  129. Everyone gets paid but the one person who needs it most
  130. LFG claimed my documents got lost – even when I sent them proof of delivery by U.S. Postal tracking
  131. Never received a single payment from Unum
  132. I want to sue Cigna
  133. It's been over 3 months, and I've only received one payment from Aetna
  134. This company makes the process impossible. They're terrible
  135. Beyond stress after MetLife denied my STD claim
  136. Lincoln Financial is taking months to provide me with my benefit checks. I'm unsure where to go from here.
  137. I keep getting the run around
  138. Principal is absolutely ridiculous. I'm in financial harship after not receibing my full pay from work and exhausting my long term sick
  139. Just got denied. Don't know what to do next.
  140. The Standard will threaten to withhold your pay until you sign every document that they send you. The worst part is when they consider back payment for SSDI benefits
  141. It would cost me more to fight Prudential than to let them get away with their games
  142. This fraudulent company is such a joke
  143. I have given Cigna all that they request. Now it seems like they are giving me the run-around.
  144. MetLife decided I was no longer disabled 6 weeks into my 13 week plan
  145. Lesson learned, disability insurance is a complete waste of money
  146. I do not understand how a “medical review team” who has never laid eyes on my wife can say she is able to return to work when her doctors who see her on a regular basis have documented that she can't
  147. We have dealt with Lincoln Financial for nearly two months to no success
  148. Lincoln Financial approved my claim after I was denied WC, but now they won't pay me.
  149. Cigna took a snipped of my medical record and ran with it. They didn't care tham my CHILD had just been killed.
  150. All Lincoln Financial does is STEAL YOUR MONEY
  151. I pay them for my service. And they treat me like this. Shame on them.
  152. LFG has been nothing but a headache
  153. Thank you so very much for your website, and for educating the public about this ugly, evil corporation.
  154. Stress over Guardian caused my heart attack
  155. Standard's sudden denial was inexplicable
  156. Cigna thought I wasn't physically impaired when I was on BED REST
  157. Aetna people are thieves, crooks and liars.
  158. I got nowhere trying to play Cigna's appeal games. Thank You, Dell & Schaeffer for resolving my case!!
  159. This company is a bunch of thieves.
  160. I promptly sent my overpayments to Lincoln Financial, but now I haven't heard from them in months.
  161. Cigna promised me 60% of my income and gave me nothing
  162. Cigna has not paid me a dime in months
  163. Standard has keep me jumping through hoops for years
  164. delaying a decision forcing me to keep paying them premiums for a policy I believe they never had any intention of paying.
  165. Cigna expects me to do a range of motion tests when every time I try to move I want to cry
  166. Please, don’t take insurance out with this company.
  167. Reliance Standard never answers or returns my calls, has not provided me my benefits, and falsely claims I never provided necessary paperwork.
  168. Prudential told me I would have a decision today, and now the need another week. Guess what, I'm still broke
  169. Hartford denied me after their "doctor" thought I was fine after 15 years of payments
  170. I'm unable to return to work because Lincoln Financial won't track my calls after claiming I never called them.
  171. The IRS should know that Guardian refuses to send my W-2 form
  172. My knees have gotten so bad that I just had knee replacement. Meanwhile I've been waiting to receive my benefits from Lincoln Financial, and my case worker is no help.
  173. Unum is in the business of denying claims and maximizing profits – with no paper trail to prove their criminal operations because they don't answer calls or emaisl
  174. Even my employer doesn’t understand why Cigna denied my claim. I don't know what to do
  175. Unum's "experts" contradicted what my Umichigan doctors say
  176. Cigna is not there in time of need Had to go back to work with no surgery and a ruined credit score
  177. Still waiting for LFG to approve my claim
  178. Hartford told me TODAY my benefits are stopped effective TODAY
  179. Aetna is definitely committing a crime and they need to be stopped.
  180. I hate Aetna
  181. Prudential is the most dishonest and immoral company ever!
  182. Reliance Standard is unreasonably prolonging the transition from STD to LTD for my boyfriend.
  183. Aetna denied me and then I got fired from my job
  184. I am sick and tired of getting ignored
  185. Guardian cancelled my husband's claim without checking his medical records. Do better. We have children to feed and bills to pay.
  186. Principal owes me 60k
  187. Cigna says I am well and able to work. I wish my brain and body got their memo.
  188. Cigna thinks it's ok to mess with my life
  189. My experiecne with Cigna has been a complete headache
  190. Hartford terminated my benefits after they sent my forms to the wrong address
  191. Lincoln Financial denied my benefits because they claim I can work a desk job, even though that is the very job I had to leave previously.
  192. Mental health LTD should be covered under the Mental Health Parity Act
  193. THEY SCAMMED ME AND DID NOT CARE
  194. I am so stressed out I can’t sleep at night. 
  195. MetLife is a joke
  196. Guardian has built-in denial for self-employed individuals
  197. I tried working a small job my friends offered me, and instead of offsetting my benefits Lincoln Financial is terminating them.
  198. Sun Life doesn't tell you about their STD criteria, not do they let you know when your claim is denied
  199. Why are we allowing LFG to get away with such nonsense??
  200. I am so tired of dealing with Aetna
  201. Unum denied reinstating my disability payments after I was diagnosed with arthritis
  202. I am about to lose my money to these thieves
  203. Aetna denied my appeal and now I'm out of money
  204. These people/company are horrible. No one should suffer from their greed
  205. Guardian has the least helpful folks I have ever met
  206. What a pathetic company
  207. SunLife said my condition is more mental than physical (it's not) and said I've have to take a lump sum
  208. Got the run around for 9 months. My quality of life is gona
  209. Cigna is denying my wife's benefits even though she is unable to go back to nursing or make 80% of her income.
  210. Aetna is a bunch of hypocrites and your typical slimy, rip off, no pay insurance company.
  211. I have lost my car, credit, and family
  212. MetLife's games have made me lose the car
  213. I haven't received a single check my Sun Life
  214. Unum denied our claim because of "lack of diagnosis" leaving us bankrupt. Sorry, Unum, but some conditions don't have a diagnosis yet.
  215. The appeals process with Reliance Standard is very frustrating. I'm not sure how to get an answer from them.
  216. Worst experience ever
  217. Prudential has caused so much stress on me sometimes I just breakout crying.
  218. I will be LITERALLY living in my car if Aetna persists with their games
  219. Unum denied my claim for not returning to work after 3 days when they had already approved 3 weeks
  220. Cigna denied my claim because they thought there wasn't enough evidence. I haven't had a life in months
  221. I lost everything when Principal terminated my benefits without calling or emailing me
  222. This is definately a company thats in it for the bucks!! I hope bad karma catches up to them
  223. Cigna denied my LTD claim after my serious car wreck
  224. Aetna has been giving me the run around and denied my claim
  225. Aetna is a horrible company to work for
  226. I feel like I have been scammed!! BEWARE
  227. My Dr. never gave Cigna my medical records, so I lost my car
  228. MetLife hiring a pi to follow me + denying my claims heightens my anxiety
  229. I feel as if my husband was robbed by Aetna
  230. Hartford's lack of help has left me struggling to pay my bills
  231. I've been fighting SunLife for STD for 2 months and I've only received one week of payment
  232. MetLife refused to pay me for 8 weeks
  233. Lincoln denied my claim because my doctor wasn't in the office – on his day off!!! – to answer their call
  234. SunLife took 4 months after I declined their lump sum to deny me
  235. SHAME ON YOU SUNLIFE.
  236. I am in need of help in handling my appeal with Lincoln Financial.
  237. LFG made my PCP – who said he was not qualified – complete my forms
  238. Aetna ignored my very detailed medical information and denied my claim
  239. I'm fed up with this insurance company
  240. They don’t return your calls. And when they do they try to trick you into making a false statement.
  241. If you work for a company who offers Guardian, tell them NO and get a non ERISA provider. Guardian lied about my options and then tried to tell me I'm not disabled
  242. I don't understand why Unum terminated my benefits
  243. Hartford denied my appeal even after Dr. said I couldn't work and after I qualified for govt disability
  244. Hartford changed criteria of how they determine I'm disabled
  245. Verizon won't let me back to work due to confusion over Met Life doctors
  246. They are playing games
  247. I've sent Aetna every single piece of paperwork that I have but they keep asking for more, refusing to listen to me
  248. Rather than helping customers with their claims, Aetna finds ways to deny them
  249. I cant but feel I am being starved out and given the runaround.
  250. Prudentials overpayment paperwork makes no sense and they are trying to get my kids involved in my claim
  251. Aetna sucks!!
  252. Lincoln Financial is trying to pay for only a fraction of the time I'm supposed to be out of work, and requests more records in order to extend the coverage.
  253. Met Life has the power to ruin your career
  254. This company is purposely denying claims
  255. I feel stuck
  256. Not sure if it’s worth fighting these corporate vultures
  257. Our worst experience ever!
  258. Reliance Standard is trying to reduce my LTD benefits because of once-a-month work in the military reserve.
  259. MetLife drags claims out because people become tired and give up. I will fight them.
  260. I have NO money coming in. I'm so frustrated I could cry.
  261. Met-Life lied to my face. They know I don't have the money for these constant visits, but they don't care
  262. SunLife's behavior is outlandish and criminal to say the very least
  263. At some point, SunLife needs to be held accountable for their tactics against people without the means to fight back
  264. I hope I never have to deal with these people in life!!! They lie as easy as they breathe not to pay off claims.
  265. Prudential is the worst insurance company I've had to deal with
  266. Different Unum representatives told me my claim was both approved and denied?!
  267. My doctor of 2 years changed his mind abt my disability after speaking with Lincoln Financial…
  268. Principal owes me 4k
  269. SunLife repeatedly claims they have not received my faxes
  270. Lincoln Financial keeps denying my LTD claim even though multiple doctors say I can't work.
  271. Lincoln Financial found a doctor purely to contradict my husband's doctor's orders.
  272. Even though my spinal illness is very well-documented, Reliance Standard has yet to transfer me to LTD.
  273. AETNA IS A THIEF!!
  274. Lincoln Financial denied my LTD claim, but I didn't appeal it within 180 days. Looking to potentially appeal now.
  275. Lincoln Financial doesn't want to know the truth about your disability, they just want to find ways to say you're not disabled.
  276. Cigna is the worst insurance company I have ever had to deal with.
  277. Yet another person screwed by Guardian's corporate greed
  278. ARE THEY CRAZY?!?!?
  279. Is this fair?? I'm owed for each time Metlife denied my claims, as well as wrongful termination.
  280. I can't get someone to be honest with me from MetLife.
  281. I've never worked with people that are so obviously stalling before. Bunch of crooks
  282. My husband's STD claim is close to switching over to LTD. We want to know more about the process, but Lincoln Financial won't provide any information.
  283. Aetna makes me bug my physician to sent stuff he already sent
  284. Reliance Standard pays measly benefits at the cost of constant requests for paperwork.
  285. Unum demanded to see all information on my checking account to monitor if I'm getting extra income. Seems illegal to me
  286. UNUM has been stailling by saying they're waiting on medical records. Same old tactics
  287. SunLife's hipster with zero medical experience thought he knew more than my doctor
  288. THIS COMPANY IS RUTHLESS. NEVER AGAIN WILL I BUY ANYTHING FROM AETNA.
  289. I am sick of dealing with them!!! They are crooks!!!
  290. Reliance Standard is attempting to doctor shop and send me to an unqualified specialist.
  291. Stay away from buying any Long Term Disability from Aetna
  292. We want our money, not the run around!
  293. I’m sure Cigna's shareholders made a nice profit while my life was flushed into a 10 year nightmare that will never end.
  294. Aetnas thinks they can get away with not paying you for weeks on end
  295. This company is awful
  296. They are liars, spies, and theives.
  297. Hartford basically told us that we were out of luck
  298. Reliance Standard is inconsistent with their payments.
  299. I am beyond unhappy with Cigna
  300. Cigna closed my case because they didn't have my info; yes they did. I'm not waiting for a review
  301. We have sent over all of the medical records Lincoln Financial has requested, yet they keep saying they haven't gotten any of it from my sister's doctors.
  302. Never in my life have I been treated with such disrespect
  303. 2 ways Principal harms disabled employees
  304. Is it worth keeping up with all of the paperwork when Reliance Standard is only giving me $100 a month?
  305. Hartford is a company of thieves. They should be ashamed of how many people they've caused hardships
  306. I think what Cigna did is illegal
  307. Principal nurses try to override my doctor
  308. My STD claim with Lincoln Financial has been in medical review for a long time. I'm beginning to get worried.
  309. I hate these people
  310. Standard Insurance Company is NOT here to help employees
  311. Met Life insensitively thinks "everyone has back pain"
  312. This is criminal.
  313. They cut my husband off without telling him. I can't believe our government allows this company to continue with their fraud
  314. Lincoln Financial won't provide me with any updates or information regarding extending my claim.
  315. This company needs to be put in their place. Even my doctors are upset with their harassing nature
  316. Cigna will claim you have a pre-existing condition to deny your claims
  317. Cigna scammed me
  318. I need a lawyer against Aetna. I am so stressed out!
  319. SunLife cut me off even though I was stage 4 cancer. BEWARE
  320. MetLife claims my doctor didn't send them the needed info. I watched him do it.
  321. I don't understand how Aetna can do this. I'm scared!!!
  322. Aetna denied my premium waiver despite being diagnosed with Phenochromocytoma and having tumors
  323. THANK YOU SO MUCH ATTORNEY STEPHEN JESSUP!
  324. The Standard thought my condition was preexisting and denied me
  325. Aetna won my case by saying I had a pre-existing condition when I didn't
  326. My bank is overdrawn, I ruined my credit, I am accumulating late fees… thanks Cigna
  327. Unum is a big joke. They're dragging their feet to avoid paying me
  328. LFG paid my brother's claim in 2013, but they are refusing now – for the same condition
  329. This has been a very long and hard road
  330. I feel like my hands are tied with MetLife
  331. My experience with Guardian/Berkshire was appalling and ridiculous
  332. I need help in appealing my claim with Lincoln Financial.
  333. This is the worst ran company for people in need I have ever seen.
  334. I was left with no choice but to return to work
  335. I want to sue this company for all the stress they've caused me
  336. Reliance Standard unfairly denied my LTD claim due to a pre-existing condition.
  337. Hartford's doctor was a joke. I think they're trying to cancel my benefits.
  338. Unum denied my claim over nonsense. They lack respect
  339. Hartford has brought me so much stress
  340. Sun Life’s reputation of delay of claim processing is inexcusable and one of the worst in this industry
  341. Seeking relief against Reliance Standard through the Insurance Fair Conduct Act.
  342. I don’t know if I'm more upset about being denied or being denied without being told
  343. I take 9+ prescriptions every day but Cigna still denied me
  344. Major financial suffering because Reliance Standard wrongfully denied my disability benefits.
  345. My work place has put me in a tough spot with Lincoln Financial.
  346. My partner and I have been continuously harrassed by Reliance Standard for paperwork, and now want to pursue a lump sum for undue stress.
  347. Hartford takes advantage of disabled people. My experience has been exhausting.
  348. Lincoln Financial disregarded my wife's dopctor's diagnosis and denied her STD claim.
  349. I am so tired of fighting for the benefits that I deserve based on the policy I paid for.
  350. I would encourage anyone who has problems with Mutual of Omaha or United of Omaha to immediately contact an attorney.
  351. There's what I learned:
  352. Reliance Standard has yet to give me the correct benefit amount, even after pointing it out to them myself.
  353. This is a very deceptive company…
  354. Reliance Standard is trying to claim SSDI payments we never received as offset for my husband's LTD benefits.
  355. Prudential continually harasses me and my family
  356. I feel that this is age discrimination
  357. Despite overwhelming evidence to support my husband's claim, Lincoln Finacnial keeps prolonging a decision on his appeal.
  358. My doctor checked the wrong box, so Aetna denied me and refuses to listen
  359. Chronic pain patients should file a class action stuit against LFG
  360. Need advice on how to best deal with Reliance standard.
  361. At this point, Aetna is questioning my disability
  362. Unum's stalling will force me to either sell the house or the car
  363. If I am unable to pay the full lump sum of overpayment to Prudential, can they just with hold my LTD checks till it is paid off?
  364. LFG is nothing but a scam ripping people off. Flush your money
  365. Aetna seems to be crying for a class action suit. Make sure I’m on the list! 
  366. I call every day and am met with rude workers who do not care about you in the least. Horrible company.
  367. My claim was handled so unprofessionally – almost no written communication from NW Mutual
  368. I would not trust MassMutual in any service they offer 
  369. Battle with MetLife is like battle with cancer
  370. Reliance Standard refuses to give my recently deceased aunt's life insurance benefits to my family .
  371. I am tired of waiting on Met Life
  372. My disability monthly payments have been unlawfully cut off
  373. I can’t understand why I am being penalized for their incompetence
  374. Reliance Standard is insitent upon holding up my benefit checks.
  375. NWM refused to have a hematologist review my claim since my "numbers are currently normal." They ignored my primary concern of relapsing
  376. This process has been so difficult that I couldn’t focus on getting better
  377. This is the worst!!
  378. Reliance Standard offset SSDI benefits I never received, and now won't give them to me due to initial refusal.
  379. Unum has been consistently lying to me. At least I'm not the only one.
  380. Prudential claims I owe them money when I don't
  381. LFG holding "dependent allowance" out of my checks when I don't have any dependents
  382. Reliance Standard is unbearable!
  383. Retain legal counsel before applying a band-aid to MetLife's wounds
  384. I went from being on top with my career, having all material needs met to losing everything because I’ve gone the last 7 months with no income
  385. Even though I have enough medical evidence to prove my disability, Lincoln Financial keeps denying my claim.
  386. Met Life, being clean shaven doesn't mean I'm not depressed
  387. I don't trust Cigna
  388. I'm just tired of all this harassment
  389. MOO attempted to strong arms me with collection tactics. Now, they're stalling
  390. Thanks to Prudential, my family will be living under a bridge soon
  391. Aerna has denied my claim 4 times
  392. Hopefully something can be done to stop Hartford's greedy claims!
  393. MOO stopped my husband's benefits before telling him. They handled his claim terribly
  394. After two successful approvals of my STD claim, Lincoln Financial suddenly denied my STD claiming I had no certified medical condition.
  395. The financial stress that Cigna puts on people should be against the law
  396. As disabled persons we need someone fighting for us against corporate and government greed.
  397. Interacting with Lincoln Financial has gone well so far, looking for advice on how to improve my chances of being approved for LTD.
  398. Prudential knowingly asked me to attempt to break the law
  399. I am so angry that Prudential can get away with this
  400. I was harassed while working for Aetna
  401. Unum stopped my disability benefits at age 65 after telling me they would never stop
  402. Dealing with Lincoln Financial was a struggle, and they cut me off even though I have a proven disability.
  403. LFG cherry picks whatever information benefits their needs to deny my claim
  404. I suddenly stopped receiving my STD benefits from Lincoln Financial because my therapist could not give them sufficeint information.
  405. My specialist took me out of work, but Lincoln Financial denied my claim on the grounds of not seeking consultation, which was never part of the original claim.
  406. Cigna gets away with age discrimination on a routine basis
  407. Aetna is shady
  408. Cigna paid me, denied me, then demanded overpayment, and then refused to conver mental health
  409. Principal told me not to appeal
  410. Lincoln Financial denied my daughter's claim on the basis of repeated calls to the doctor's office, when in reality they had never contacted them.
  411. The stuff UNUM made up about me is unbelievable
  412. I’m very disappointed with Aetna!
  413. Through fraudulent practices both of my appeals were denied!
  414. Sun Life should have to pay dearly for their screw up
  415. I've never seen such poor communication and such a slow process
  416. Cigna left me with no income; no one is gonna hire me
  417. I think Hartford scheduled a docotors appointment for me (without telling me). Weird??
  418. I need help on an appeal against Prudential
  419. My husband's claim with Reliance Standard was denied because his employer never mentioned the financial eligibility requirements for the policy.
  420. Aetna really left me in a terrible bind.
  421. Do not use Aetna! They ruined my life
  422. Reliance Standard continues to harrass me about denying my benefits, even though I'm clearly unable to return to work.
  423. Cigna dropped me as soon as Social Security was approved. I am not giving up.
  424. What LFG is doing can't be legal
  425. My coverage got denied after meeting with Unum's doctor
  426. I am physically not able to work, but Hartford wants me to
  427. Standard based their denial on a confition that I do not have
  428. $7k and 3 months later and Guardian is still "working on it" and asking me to "be patient"
  429. No matter how I send my medical records, Reliance Standard consistently claims to have never received them.
  430. Standard made my leave a living hell
  431. What can I do if Unum has declined my clain twice?
  432. Guardian dropped me and now, no one will hire me
  433. Unum claimed I was self-insured when I wasn't
  434. Cigna made my anxiety 10x worse
  435. SunLife said they were too busy to talk and then tweeted my daughter in law
  436. I know Standard's denial letter is coming
  437. Stanfrod declined my MS claim
  438. I can't do anything, but Cigna says I can work and they are denying me what I paid for for several years.
  439. Unum should be ashamed of the lies they put in my denial letter
  440. Aetna denied my claim, so I can't afford my medical treatments or house bills
  441. What Cigna does to us is horrible
  442. This company’s behavior is despicable and, frankly, cruel.
  443. Met Life is legalized extortion
  444. I asked LFG head of appeals if he'd ever Googled the company and seen the pages upon pages of their shady practices. He changed the subject
  445. Cigna said if I had gotten a knee replacement I would have been eligible for benefits. Sorry Cigna, my knee had to wait when I was in the hospital 4 times for my bipolar disorder
  446. LFG nurses can question the decisions of my neurosurgeon. What a joke
  447. Principal’s short term disability insurance is all lies. They will deny your claim any way they can
  448. Cigna denied me one week before heart surgery
  449. SunLife knows people are going to be disgusted and just give up
  450. I have a chronic illness that will never get better, yet Standard thinks I can work
  451. All I need is unpaid leave for about 50 hours not 12 entire weeks. Worst customer service in history of time.
  452. Doctors intimidated by plethora of Guardian paperwork
  453. I feel very much in the dark & filled with stress & anxiety
  454. When you talk to Guardian agent, you feel like your talking to a corpse
  455. Why do they want me to give extra info on a condition that will never get better? It feels like bullying
  456. I'm dealing with a battle with cancer. Add a legal battle with Lincoln Financial
  457. Reliance Standard says that I owe them $8,000 in offsets from benefits I never claimed/recieved.
  458. Do not truest these crooks!
  459. Reliance Standard is trying to claim I owe an offset of nearly double what I actually was awarded.
  460. Cigna thinks my Parkinsons got better. It's a progressive debilitating disease.
  461. Having difficulty seeking a lump sum buyout of my LTD with Lincoln Financial.
  462. I can’t see how a company can legally do this
  463. They suck!
  464. Thanks for nothing, Aetna!!!
  465. Why do I pay to have such misery in dealing with a company??
  466. I can not stand their horrible business practices. Cigna is a bunch of mean jerks that reduce their liabilities by any means.
  467. Aetna cut off my benefits 5 days early
  468. I don’t think it is right for Cigna to require you to apply for SSDI and even assist with the process and then after approval from SSDI drop you
  469. Aetna kept getting a 45 day extension to review my appeal. They are incompetent!
  470. Stress over Cigna is making me so much worse!!
  471. Unum refuses to approve my STD
  472. The system Aetna has in place is very BROKEN.
  473. I was receiving STD and LTD from Reliance Standard without a problem until they suddenly denied my benefits without warning.
  474. I was approved unpaid medical leave by Wells Fargo, but was denied LTD after Lincoln Financial mis-represented and misquoted my doctor.
  475. I can't get in touch with Cigna
  476. RUN WHILE YOU CAN! I was scammed.
  477. I was denied LTD coverage by Reliance Standard because my cancer was deemed a pre-existing condition.
  478. This is a horrible place to work for.
  479. Hartford gives my son $59 a month even though his treatment is almost $10k per month
  480. I can't handle the constant harrassment from Lincoln Financial for my medical information.
  481. These people are thieves
  482. They are making me crazy from the stress and anger.
  483. This company is very corrupt, Be aware
  484. I lost my job after Cigna denied my FMLA
  485. They don’t care how you feel. They want you at work and will even trick your doctor to send you back
  486. Aetna thought my orthopedia surgeon's restrictions weren't good enough
  487. Seems unfair and illegal that an employer can fire someone for being disabled and then the insurance carrier can turnaround and deny benefits on a case that began prior to termination
  488. Reliance Standard denied my LTD based off of an inaccurate job requirement.
  489. Sun Life is the absolute worst company I have ever dealt with
  490. After receiving SSDI, Reliance Standard delayed their payment adjustment and I can't get a hold of my case worker.
  491. Lincoln Financial is threatening to deny my benefits because I haven't yet provided them with my restrictions/limitiations as a result of GI complications.
  492. Generally the people you contact are helpful and courteous, but those who work in the background are NOT at all. QUESTION EVERYTHING!
  493. Working with Cigna has been a nightmare
  494. Prudential is basically waiting for my boyfriend to die
  495. Mutual of Omaha is a rip off.
  496. I haven't been denied, but LFG quit paying me. I think I was treated wrong by them and my employer
  497. My experience with Reliance Standard and how to save yourself a lot of trouble dealing with them.
  498. Standard denied me because I didn't report my injury immediately. Sorry, I didn't realize it would be disabling…
  499. I went trhrough pure hell to get approved and now Prudential wants more info
  500. I lost my job, I can't go back to work, I have an appeal deadline approching fast and no one will take my case… thanks Cigna
  501. I wish SunLife had to pay for the hunger and humiliation they caused me
  502. Cigna is full of crap
  503. MetLife trying to find reasons not to pay. I'm so frustrated and stressed
  504. I never can get the same person on the phone and it’s just a run around.
  505. MetLife changes their mind about my payments
  506. Cigna will probably deny my claim again
  507. I have nothing but praise for Lincoln Financial Group and for Mr. Dell
  508. Lincoln Financial is a bunch of crooks.
  509. Cigna left me with no choice but to return to work – even though I shouldn't have
  510. I lost my job in the 2 years I fought MOO
  511. Unum won’t return my calls. Going to be a long fight.
  512. I'm living in a moblile home because of Prudential
  513. Cigna thinks that just because my husband does not have active cancer he can work. What kind of knowledge does their medical staff have?
  514. Thank goodness for your law firm. I hope you are able to help others receive the support they need.
  515. MetLife justifying denying my claim with a condition I never had
  516. Hartford didn't give me increased benefits as my income increased
  517. Principal determines the length of your disability. NOT YOUR DOCTOR OR YOUR RECOVERY RATE. 
  518. NW said my relatives' claim was "not justified" and double the premium for no reason
  519. Guardian is designed to get claims denied rather than approved
  520. I’m not disabled in MetLife’s eyes, even though I cannot do daily tasks and am on over 5 medicines.
  521. My claim with Lincoln Financial has been denied twice, and I'm at a loss as to what to do now.
  522. I couldn't get an urgent surgey because of Aetna. Now, I have permanent neck damage, and I lost my job/house/car
  523. After they miscalculated my salary and overpaid my benefits, Reliance Standard is now attempting to make me pay back their overpayment.
  524. I've been in a battle with SunLife for 5 years
  525. I was wrongfully targeted by Reliance Standard and went to prison because of it.
  526. Sunlife sucks. They’re trying to bleed me dry, hoping I’ll go away, but that’s not going to happen.
  527. I don’t have anybody financially able to take care of me. I need my disability back!
  528. CIGNA LTD DISABILITY IS A SCAM! They are making me crazy
  529. CIGNA needs to be banned from selling insurance in the USA
  530. I don’t understand how they can get away with this
  531. Omaha's nurses can override my doctor and state disability office
  532. I'm not very confident that Standard sent my records for physician review based on what I'm reading in this comment section
  533. Reliance Standard keeps putting off their decision on my STD/LTD claims with them.
  534. People are Standard are such big liars and they are not trained in the field
  535. They are crooks who don’t care about anything except making sure they deny claims and save money.
  536.  Everyone needs to flood Cigna, the media and the public.
  537. Lincoln Financial Group suddenly decided that I was no longer disabled In spite of no evidence that I had gotten any better
  538. I want to sure Mutual of Omaha for the stress they've caused me
  539. I can't walk but Standard thinks I can work
  540. Hartford LTD Co. is worthless.
  541. I won my appeal but have no recourse for attorney fees
  542. The people making decisions at Cigna aren’t even physicians
  543. Despite my various medical conditions, I've only received partial benefits from Reliance Standard and am on the verge of another denial.
  544. Unum should be put under federal watch list
  545. Money is going in their direction everything is OK, but the minute they have to give any out it’s good luck Charlie.
  546. Reliance Standard wants me to see an IME that's biased towards my employer and the insurance companies.
  547. Reliance Standard is making me jump through hoops to receive my benefits, and I lost my house because of it.
  548. Does this company really think I'll be ready to return to work one month after a major surgery??
  549. Can Hartford make me turn over my joint tax returns and SS statements? If they came to see me, are they going to deny my claim?
  550. MetLife turned one hour of testing into the decision that I could work 8 hours a day, 5 days a week
  551. Disability Insurance is a rip off
  552. Really unethical company!
  553. MetLife closed my disability claim on short notice with no explanation
  554. Prudential is an absolute disagrace
  555. Hats off to CIGNA for making another segment of a person's life miserable!
  556. Thanks for having this comment section – it helped me to understand some of what Cigna was trying to do. God bless you.
  557. I'’m disabled and I will sure stay away from this company.
  558. Do not use Reliance Standard's reccomended Social Security Lawyers
  559. If Hartford wants an interview, have someone else with you and ask to see their video of you before the meeting!!
  560. Unum has repeatedly abused their obligation to accomodate both injured and sickly claimants to save their company’s money
  561. Hartford is a ripoff
  562. Cigna is quick to send me letters expounding on my obligations but they make no mention of what THEIR obligations are under the policy.
  563. My time with Reliance Standard has been terrible!
  564. I'm appealing MOO's decision and I expect much more run around
  565. All I can say is that I will never use MetLife again
  566. Guardian just plain refused to settle
  567. Hartford is a joke
  568. Hartford terminated my benefits just like that
  569. Unum has devious ways to diss you completely. I'm contacting my Reps, Senators, and the President
  570. I've been trying to get a MOO claim paid for 8 YEARS
  571. My Unum case workers told me "people that have seizures work everyday. What makes you any different?" I feel useless
  572. MOO said they didn't receive my fax when I know for a fact they did
  573. I don't understand how Prudential has the right to treat me like this
  574. I don’t see how Sun Life can deny continued benefits.
  575. Add my name to Unum's list of those fraudulently turned down by Unum
  576. It's ridiculous that Unim can make me pay for money that went to my ex-wife
  577. This is robbery of the poor.
  578. Lincoln Financial is a joke, no doubt about that
  579. Hartford people are rude, difficult to deal with, etc
  580. Unum ranked 2nd on Wall Street Journal's list of companies that would noy pay their claims
  581. Met Life took my stress to an entirely new level
  582. How can anyone live on Hartford's miniscule benefits?
  583. Hartford beats you down
  584. I used to have a career. After Standard, I'm homeless with no income
  585. Lincoln Financial Group is, by far, the worst company I’ve ever dealt with. 
  586. I do not understand why people who really need the benefit cannot receive it
  587. My doctor put me on bed rest, but Lincoln Financial said "nope, you can work"???
  588. CIGNA and their employees are a disgrace.
  589. Don't buy insurance from this company. You may really need it, and – trust me – it won't be there for you
  590. The public has had enough of companies like Hartford!!
  591. My doctor’s office stated they have never dealt with such difficult people before
  592. Reliance Standard witheld payments from us due to their own miscalculations
  593. It is sad that an insurance company can be so dishonest/tricky.
  594. BAD FAITH
  595. Reliance Standard is seeking reimbursement for alternative benefits they are falsely claiming I received.
  596. Reliance Standard is a scam!
  597. This company is a scam
  598. Unum demanded I give them my children's money without ever telling me I would have do to that
  599. Lincoln Financial illegally used a nurse to close my claim for a disease that medical science knows very little about
  600. All Reliance Standard does is stall payments, and now I've lost other medical insurance because of it.
  601. This company is horrible
  602. After all the fraud and stress they put us through, Hartford should get investigated
  603. Reliance Standard should be paying for my STD claim, but they won't return my calls.
  604. I've been with Unum for more than 10 years and they still treated me terribly
  605. Just another big company screwing the little people. It is sad that they can get away with what they do.
  606. This crap with Hartford long term short disability has been going on for years.
  607. Can a disability insurance company claim an overpayment for social security disability benefits payable to a child as result of the parent's disability?
  608. Standard denied my claim even though my doctor said I couldn't work
  609. I have been so shocked about Hartford’s lies – it is disgusting.
  610. UNUM are bold face liars and cheats
  611. This company is a total ripoff
  612. NML says I have no limitarion and is refusing my benefits
  613. Standard had someone watch me for a week
  614. Hartford did every dirty trick in the book
  615.  It’s a shame for them to use the word integrity in their mission statement or use the name “Lincoln” to compare the company to. Pathetic.
  616. Cigna told me to just "go back to work"
  617. Hartford has financially crippled us. I was so mislead
  618. UNUM is trying to intimidate and strong arm me
  619. We are dumbfounded!
  620. Cigna says they are working on it but I don’t feel my welfare is their concern.
  621. Cigna gets away with denying STD when LTD is denied
  622. Aetna has given every excuse in the book to not pay me
  623. The Hartford’s favorite word is “NO"!
  624. LFG told me "pain doesn't stop you from working"
  625. Cigna is giving me the run around. They dropped me like a rock after Social Security paid the back pay
  626. Hartfford should live with the pain I have. I'm more sick because of them
  627. This “company” should be brought before the Dept. Of Justice for their TOTAL disregard for the law.

CLAIM TIPS

  1. Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
  2. Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
  3. How Do You Fight a Long-Term Disability Denial?
  4. Disability Denial Reason #2 - Change of Disability Definition & Vocational Review
  5. Disability Denial Reason #1 – Paper Review & IME
  6. How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
  7. Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons
  8. Guardian Disability Benefit Claim Handling Tips
  9. Application Tips: Northwestern Mutual Disability Benefits - Top Denial Reasons
  10. Is UNUM a Good Insurance Company?
  11. Don’t Ignore Disability Insurance. Here’s What to Buy.
  12. How To Get Long Term Disability Benefits Approved Due To Neck Pain
  13. What is disability insurance? What type of disability income policy should you buy?
  14. What To Expect From Disability Insurance Companies in 2021
  15. Principal Disability Benefit Denial Options
  16. Tips to Protect Your Northwestern Mutual Long Term Disability Benefits
  17. How to Prevent Standard Insurance Company from Denying Disability Benefits
  18. Prudential Lump Sum Disability Policy Buyout Options
  19. Is Exhaustion of Remedies Required before filing an ERISA Lawsuit?
  20. Dearborn National Disability & Lawsuit Tips
  21. Tips for Applying for Sun Life Disability Insurance Benefits
  22. How Long Does UNUM Long Term Disability Last?
  23. How Long Do You Have To Be Out Of Work To Apply For Long Term Disability?
  24. How Do I Ask My Doctor for Disability?
  25. Can a disability insurance company deny LTD and/or SSDI disability insurance benefits if a claimant is prescribed medical marijuana by their doctor & obtains a medical marijuana card?
  26. Do I Need a Lawyer For Long Term Disability?
  27. Can You Sue UNUM?
  28. How Long Does Long Term Disability Take to Process?
  29. Is It Hard To Get Approved For Long Term Disability Insurance?
  30. Is Cigna Seeking To Offset Disability Benefit by Social Security Survivor Benefit?
  31. How Do I Qualify for Disability Insurance Benefits?
  32. How Does UNUM Define Disability?
  33. Do I Have to Quit My Job Before Applying for Disability?
  34. Does Hartford Pay Disability Insurance Claims?
  35. When Should You Hire A Disability Insurance Attorney?
  36. Top 5 Causes of Disability Insurance Claims
  37. What is the Difference Between a Disability Insurance Lawyer and a Social Security Disability Lawyer?
  38. How to Appeal a Long Term Disability Benefit Denial in 7 Steps
  39. Beware of Traveling While on Disability with Unum
  40. How Does Hartford Long Term Disability Work?
  41. What Happens If My Hartford Short Term Disability Claim is Denied?
  42. How Long Does a Hartford Short Term or Long Term Disability Claim Last?
  43. Doctors with “Own Occupation” Group Disability Policies Beware
  44. Are You Entitled to Lifetime Disability Benefits from Ohio National?
  45. Will your COVID-19 Stimulus Money be an Offset to your LTD Benefits?
  46. What Happens if I Sue Dearborn Before They Decide on My Long Term Disability Benefit Appeal?
  47. Can my Disability Company Rely on Its Own Nurse to Deny Disability Benefits?
  48. If I Convert my Former Employee Disability Policy to a Private Policy Does ERISA Govern?
  49. What Must I Do If My ERISA Disability Claim Is Denied?
  50. How Will Sale of Cigna Disability Division to New York Life Insurance Co. Affect Disability Claimants?
  51. Is Cigna's Denial of Your Appeal Really a Denial?
  52. Do Federal Courts Nationwide Differ on the Meaning of Regular Occupation in ERISA Long Term Disability Plans?
  53. 5 Frequently Asked Questions About Disability Insurance, Answered
  54. Why are the duties of my pre-disability occupation important when seeking LTD benefits?
  55. Should I Let My Doctor Be Interviewed By The Insurance Company?
  56. Can a stress-induced heart attack be considered an "injury" under a disability insurance policy?
  57. How do I prepare for an IME Exam requested by Disability Insurance Company?
  58. Are Disability Business Overhead Expense Policies Worthless if You Close Your Business?
  59. I have both an individual disability insurance policy, which I purchased on my own, and a group disability insurance policy through my employer. Will I be able to recover benefits from both insurance policies if I become disabled?
  60. Has Lincoln Contacted You About Your Liberty Disability Claim?
  61. Can my disability insurer offset pension or retirement benefits that I'm drawing from a previous employer?
  62. Is Lincoln Relying on MDGuidelines to Review Disability Appeals?
  63. Recent Disability Insurance Company Trends
  64. Disability Insurance Challenges for Doctors
  65. New Department of Labor Regulations for ERISA Disability Claims
  66. Neck Pain and Long Term Disability Insurance Claim Help
  67. Is the Hartford Disability Purchase of Aetna Bad for Aetna LTD Policy Holders?
  68. Back Pain and Long Term Disability Insurance Claims
  69. What Can I Expect When Seeking Long Term Disability Benefits from Northwestern Mutual?
  70. How Does Having A Disability Lawyer Help Me Fight For Metlife Disability Benefits?
  71. Why Should A Claimant Take Their Time Filing an ERISA Disability Appeal Letter?
  72. Substance Abuse Disability Insurance Claims Are Challenging when the Claimant is a Doctor
  73. Lincoln Financial to Buy Liberty Life - Does This Affect My Disability Claim?
  74. Rheumatoid Arthritis And The Cognitive Dysfunction Connection In Disability Insurance Claims
  75. What Should I Expect if Metlife Wants to Send Someone to Interview me?
  76. Does Social Security Approval Mean Disability Insurance Benefits Will Be Paid?
  77. If I Sue Unum for a Disability Insurance Denial, What Should I Anticipate?
  78. What Should a Claimant Expect When Suing Cigna or any Other Disability Company for Long Term Disability Benefits?
  79. Long Term Disability Claims Due to Back Pain
  80. When is the Best Time to Submit a Claim for either STD or LTD insurance benefits?
  81. What Should I Expect When Suing Prudential for a Disability Insurance Benefit Denial?
  82. Neuropsychological Testing in Long Term Disability Insurance Claims
  83. Can I Volunteer and Still Receive Long Term Disability Insurance Payments?
  84. What is a "Gainful Occupation" under a Disability Insurance Policy?
  85. Are Cigna Short Term Disability Denials on the Rise?
  86. Do I need to disclose my disability insurance claim if I filed for bankruptcy?
  87. The Long-term Disability Medical Consultant review. What is it? What can be expected?
  88. Is a Field Interview Request By A Disability Insurance Company a Bad Thing?
  89. Are All Medical File Reviews By Disability Insurance Companies a Sham?
  90. Can I submit a long-term disability claim if my employment has been terminated?
  91. Is an FCE Exam Good or Bad for a Long Term Disability Insurance Claimant?
  92. Is a Long-Term Disability Policy Buyout A Good Option?
  93. Do You Know What Is Needed To File An ERISA Appeal?
  94. Can I Hire A Disability Lawyer to Help with my ERISA Appeal?
  95. Department of Labor Issues New Disability Claims Regulations Under ERISA Affecting Disability Claims Filed in 2018
  96. What Is A Medical Consultant Review Request By A Disability Insurance Company?
  97. The Dangers of Social Media and Disability Insurance Claims
  98. Disability Insurance Companies Deny Claims Based on Non-Compliance
  99. Hartford Disability Claim Problems
  100. Maintaining Approval of Your Long Term Disability Benefits Requires Care and Treatment
  101. Who Makes The Decision To Deny A Long Term Disability Insurance Claim?
  102. When Is The Best Time To File A Long Term Disability Benefit Claim?
  103. How Much Time Does Prudential Have to Make A Determination On an ERISA Disability Appeal?
  104. Can a Disability Claimant Refuse to Attend an IME During an Appeal?
  105. If I Have Physical and Mental Disabling Conditions Will My Disability Benefit Be Subject to a Limited Pay Period?
  106. Total v. Residually Disability Benefits: The Ongoing Battle?
  107. What Should a Dentist Expect When Filing a Long Term Disability Benefit Claim?
  108. Can my severance agreement eliminate my right to claim disability insurance benefits?
  109. Gregory Dell and Stephen Jessup discuss their experience in handling Liberty Mutual claims at all stages
  110. MetLife Disability Buyout and Lump Sum Settlements are Back
  111. Stephen Jessup and Gregory Dell discuss their experience in handling claims with Principal Financial
  112. Unum Disability Benefit Denial Trends, A Legal Perspective
  113. Does a disability insurance company need to consider the side effects of my medications?
  114. A New Bait and Switch Tactic by Unum Disability Insurance Company
  115. Do I Need to Consult an Attorney Before I File an Application for Long Term Disability Benefits?
  116. Metlife - Latest trends seen in handling ERISA and private disability insurance claims
  117. Cigna's latest strategies for handling and denying disability benefit claims
  118. Does the Mental Nervous Disorder Limitation in an ERISA Long Term Disability Plan Violate ADA Laws?
  119. Is a Claimant's Complaints of Pain Enough to Qualify for Short or Long Term Disability Insurance Benefits?
  120. How Can I Protect Myself At A Hartford IME Exam?
  121. Can The Hartford Characterize Cognitive Impairment Due to Chronic Pain a Mental Condition?
  122. What Can A Claimant Expect With A Lincoln Financial Group Disability Claim?
  123. Does It Matter Who Pays My Disability Insurance Premiums?
  124. Do I Have A Time Limit To File An ERISA Disability Lawsuit?
  125. Can I collect disability insurance benefits if I am collecting unemployment benefits?
  126. IME Exams from Disability Insurance Companies are on the Rise
  127. What Are My Options Following A Private Disability Insurance Claim Denial?
  128. What is An ERISA Disability Lawsuit and What Should I Expect?
  129. Is Unum Denying More Disability Benefit Claims Than Usual?
  130. If I have two different disability insurance policies and I am approved for Social Security Disability, can both disability companies deduct my monthly benefit by the amount of the SSDI payment?
  131. The Institute of Medicine (IOM) Proposes New Diagnostic Criteria and name for Chronic Fatigue Syndrome
  132. Can My Insurance Company Terminate My Disability Benefits After 24 Months if My Mental Nervous Disorder Contributes to But is Not The Sole Cause of My Disability?
  133. Who may I sue if my long-term disability benefits are denied, my employer, the insurance company, or both?
  134. What should I expect at a medical examination requested by Unum disability insurance company?
  135. Does a disability carrier need to consider my Social Security Disability approval after they have made a final decision on my final ERISA appeal?
  136. Can my insurance carrier deny my benefits even if there is no change in my medical condition?
  137. Do the rules of evidence apply to ERISA disability insurance cases?
  138. Disability Companies Are Wrongfully Using the 24 Month Mental Nervous Limitation
  139. What can I do when the insurer fails to make a decision on my appeal within the required timeframe?
  140. Does my insurance company have to consider my SSDI award if I received the award after my ERISA appeal was denied?
  141. Can I file for disability insurance benefits if I was fired before I stopped working?
  142. Since my policy contains a Waiver of Premium While Disabled Provision, should I still pay the premium for my long-term disability insurance policy while my long-term disability claim is under review?
  143. Can I live outside of the United States and collect long-term disability insurance benefits under my individual or group long-term disability insurance policy?
  144. What are the important steps to take when filing an ERISA disability denial appeal?
  145. Why is a different company handling my claim for short or long term disability benefits?
  146. What Are The Top 10 Reasons a Long Term Disability Insurance Claim is Denied?
  147. If I File A Short Term Disability Claim With My Carrier And My Claim Is Denied, Do I Also Need To File A Separate Long Term Disability Claim?
  148. If I File For Bankruptcy Can I Still Pursue a Claim for ERISA Long Term Disability Benefits?
  149. What is an Attending Physician Statement and how should it be completed?
  150. Can the Disability Insurance Company Call My Doctors Without Telling Me?
  151. How often can my disability insurance company require a Claimant Statement?
  152. Can My Insurance Company Selectively Review Certain Medical Records While Ignoring Others In Considering My LTD Benefits?
  153. Can one application be submitted if the same insurance company administers both my Group Long-term Disability Plan and my Individual Disability Policy?
  154. Do I always have to repay Social Security disability benefits to my disability insurance company? Maybe not!
  155. Can I Sue My Disability Insurance Company For Video Taping Me Without My Permission?
  156. What Should I be Aware of if I Have Cognitive Limitations and I Am Receiving Disability Insurance Benefits?
  157. How Do I Know If My Disability Company Is Conducting Video Surveillance of Me?
  158. Cancer and Long Term Disability Insurance Policies
  159. Do I Have To Allow My Disability Insurance Company To Contact My Employer?
  160. Is there an advantage to filing an ERISA disability lawsuit after the expiration of the 45 day deadline and before the disability insurance carrier makes a decision on an ERISA Appeal?
  161. Can I add more information to my claim file in anticipation of filing a lawsuit after an insurance company enters a final denial of benefits?
  162. What Does It Mean If My Disability Insurance Company Says I Am Malingering?
  163. Is My Insurance Company Allowed to Take An Offset of My Monthly LTD Benefit for Social Security Benefits My Kids Receive As A Result of My Disability?
  164. Can your ERISA disability benefits be garnished?
  165. What Does it Mean if My Waiver of Life Insurance Premium Has Been Denied?
  166. Do I Have a Bad Faith Disability Claim Against My Disability Insurance Company?
  167. Is My "No-Fault" Auto Insurance Settlement an Offset Under My Long Term Disability Insurance Policy?
  168. Is Your Disability Insurance Claim a Physical or Mental Disability Condition?
  169. New Research Reveals Potential "Cause" of Fibromyalgia and Objective Test
  170. How Important is Doctor Support in Securing Disability Insurance Benefits?
  171. Why Must AN ERISA Disability Appeal Be Filed Within 180 Days?
  172. What You Should Be Aware of When Purchasing a Lloyd's of London Disability Insurance Policy
  173. Does the 2013 Cigna Long Term Disability Regulatory Settlement Agreement Require My Disability Benefit Denial to Be Reconsidered?
  174. Does A Letter From A Disability Insurance Company Misstating Policy Language Modify The Terms Of A Disability Insurance Policy?
  175. What is a REMAND in an ERISA Disability Insurance Lawsuit?
  176. What is the Administrative Record in an ERISA disability appeal?
  177. Why is it important to hire a disability attorney experienced in handling ERISA disability claims?
  178. Do I Have to File an ERISA Appeal of a Disability Insurance Denial Before I Can File a Lawsuit?
  179. Beware of the CIGNA "Vocational Rehabilitation Assistance Program"
  180. How does a disability insurance company determine my Regular Occupation?
  181. If My Pre-Disability Job Was Sedentary, Will the Disability Insurance Company Suggest an Alternative Sedentary Job That I Should Be Able to Perform?
  182. Are all LTD claimants considered for alternative professions as part of the "any occupation" investigation?
  183. Do Disability Insurance Companies Continue to Challenge a LTD Claim After an "Any Occupation Definition of Disability Investigation" Is Completed and Benefits Have Been Extended?
  184. Do Disability Insurance Companies Pay Bonuses or Commissions to Case Managers if They Deny a Short Term or Long Term Disability Benefit Claim?
  185. Is It Unusual for a Disability Insurance Company to Request an Attending Physician Statement (APS) Once a Year?
  186. Are There Exceptions to the Mental Illness Limitation in a Disability Insurance Policy?
  187. Can Hartford be punished for wrongful denial of a disability insurance claim?
  188. How will I know if my Long Term Disability Policy contains a limited pay period for physical or mental disabilities and is there any way to get around these limitations?
  189. If I am receiving disability insurance benefits, can the disability insurance company use my spouse's income or retirement benefits to offset my monthly disability benefit payment?
  190. Why do disability insurance companies challenge disability claims filed by attorneys and business professionals?
  191. What medical criteria does a disability company rely upon in order to determine if a claimant qualifies for a specific disabling condition?
  192. If my social security disability claim was denied will my disability insurance claim be denied?
  193. What does attorneys Dell & Schaefer charge for the representation of disability insurance claimants?
  194. Can a disability insurance company rely upon a nurse to review my disability claim?
  195. Can the disability company limit my disability benefits to 24 months if I have been diagnosed with depression as a result of my physical disability?
  196. Unum Disability Denial and Unum Appeal Tips
  197. Which states have laws or regulations abolishing discretionary clauses in erisa disability insurance policies?
  198. If disability benefits are assigned to my ex-spouse following a divorce, are the disability benefits taxable to the ex-spouse?
  199. Is my disability insurance policy subject to or governed by ERISA?
  200. What is the Accident v. Sickness provision in my disability insurance policy?
  201. What should I expect if I apply for residual disability insurance benefits?
  202. What are the ERISA disability appeal deadlines and why 180 days?
  203. Do I have to cooperate during a neuropsychological IME Exam requested by the disability insurance company?
  204. If my long term disability benefits are governed by ERISA and I win at trial, does the insurance company have to pay me for the remainder of the policy life, or a lump sum amount?
  205. Can my disability insurance benefits be denied if I am approved for Social Security Disability Benefits?
  206. Do You Know The Job Requirements To Be A Lincoln Financial Disability Claim Specialist?
  207. Top Five Reasons for Disability Insurance Denials
  208. Can a disability company sue me to recover an SSDI overpayment?
  209. Do I have to pay tax on my SSDI overpayment if I already paid tax on the disability insurance benefits for the same period of time?
  210. What should I be aware of if I am buying a disability insurance policy?
  211. What are the differences between an individual disability insurance policy and an ERISA / Group disability policy?
  212. Why is it important to have a disability attorney handle my ERISA disability appeal?
  213. Will a disability insurance company watch me on Facebook or other social media sites?
  214. Can a disability insurance company rely on a Functional Capacity Exam ("FCE") to deny long-term disability benefits?
  215. Is it legal to limit disability insurance benefits to 24 months for mental nervous claims?
  216. How can a claimant exclude their disability insurance benefit payments from Federal Income Tax?
  217. Can a disability insurance company claim overpayment for SSDI payable to a child as result of the parent's disability?
  218. Beware of Hired Gun Doctors in Disability Insurance Claims
  219. Are disability insurance benefits taxable?
  220. Can Veteran Disability Benefits be deducted from my monthly long term disability insurance check?
  221. Can a disability attorney manage all aspects of my long-term disability insurance claim?
  222. Can my disability insurance policy be exempt from ERISA?
  223. 10 things to expect when your disability insurance company asks for an IME exam
  224. What is the discretionary clause in a disability insurance policy?
  225. The evolution of denying fibromyalgia and chronic fatigue syndrome claims in group long term disability policies
  226. 10 Reasons ERISA is an Unfair Law for Disability Insurance Claimants
  227. Does my disability insurance lawsuit need to be filed in State or Federal Court?
  228. Mass Mutual Financial Disability Insurance Claims
  229. Is my disability insurance company required to offer me a lump sum buyout of my disability policy?
  230. Disability Law and Video Surveillance
  231. Do disability insurance companies handle a claim differently when a lawyer is involved?
  232. Why is ERISA an unfair law for disability insurance claimants?
  233. How long does the disability insurance company have to make a claim decision once the application for ERISA long term disability benefits is submitted?
  234. Do I have to sign the Social Security reimbursement agreement requested by disability company?
  235. If I can not afford medical treatment can I still collect disability insurance benefits?
  236. Will the disability insurance company pay my doctor to complete an Attending Physician Statement?
  237. Do disability insurance companies deny all claims for disability benefits?
  238. How can one disability company approve my claim but my other disability company has denied my claim?
  239. Should I stop paying my disability insurance premiums even though my claim decision is pending?
  240. What should I expect when I attend an IME exam requested by my disability insurance company?
  241. What is ERISA?
  242. Why does Mass Mutual want to hide its disability insurance claim forms?
  243. If I am physician claiming long term disability, can I treat myself?
  244. If I am approved for Social Security does that mean the disability insurance company must approve my disability claim?
  245. What can I do if the disability insurance company is delaying disability payments?
  246. What does it mean when a disability insurance company pays disability benefits under a "reservation of rights"?
  247. What are the most common disabling conditions for a long term disability claim?
  248. What type of doctor should I be treating with in order to claim long term disability benefits?
  249. Can a disability insurance carrier claim an overpayment if a claimant receives worker compensation benefits?
  250. What are my options if the disability insurance company does not respond to my ERISA appeal within 45 days?
  251. Can I earn money while I collect long term disability benefits?
  252. If a disability insurance claimant dies can any family members continue to collect the decedent's long term disability benefits?
  253. Why does the disability insurance company request my tax returns?
  254. What is a Functional Capacity Exam (FCE)? Should I go to a FCE?
  255. How can the disability insurance company deny my claim if my doctor has not released me to return to work?
  256. If my disability insurance claim has been denied do I have to file an Appeal before I can file a lawsuit?
  257. Will the insurance company pay me long term disability benefits while my appeal or lawsuit is pending?
  258. Is there new support for fibromyalgia disability insurance claims?
  259. How long is the disability insurance company required to pay once my disability claim is approved?
  260. If my disability insurance claim denial is reversed will I receive interest?
  261. Do I need to send the "medical authorization release" form to the disability insurance company?
  262. Will the disability insurance company pay my attorney fees and cost if I win my Appeal?
  263. Can I sue my long term disabilty insurance company for bad faith or punitive damages?
  264. Why should I hire a disability insurance attorney to submit my ERISA Appeal?
  265. How do I determine my date of disability?
  266. What are self reported condition limitations in a group long term disability insurance policy?
  267. Can my long term disability claim be denied for a pre-existing condition?
  268. What is a residual disability income claim?
  269. Can I do volunteer work while I am collecting long term disability benefits?
  270. Does Social Security always deny disability claimants the first time they submit a claim?
  271. Can the disability insurance company require me to have surgery in order to collect disability insurance benefits?
  272. How often does the Social Security Administration evalaute a claimant's eligibility for SSDI benefits?
  273. How often does the disability insurance company expect a disability claimant to treat with a doctor?
  274. How does the Social Security Administration determine if a person is eligible for social security disability benefits?
  275. What are the five most common reasons for a long term disability insurance claim denial?
  276. Does social security disability approve claims that are based on subjective medical conditions?
  277. How long do I have to be disabled before I can file a claim for social security disability benefits?
  278. What is the appeal process if my Social Security Disability Claim has been denied?
  279. Why should I have a disability insurance attorney participate in an interview requested by the disability insurance company?
  280. Does the claimant, after getting a request to a field interview, have to do it?
  281. What happens when a long term disability insurance company requests to do a field interview regarding your claim?
  282. Are the outside companies hired by disability insurance companies to locate IME doctors independent?
  283. Are independent medical examiners hired by a disability insurance company truly independent?
  284. What can I do to protect myself during an IME exam requested by my disability insurance company?
  285. Can my disability claim be denied if my disability company never conducted an IME exam?
  286. Will my disability insurance company give me a copy of the IME report?
  287. Why is my disability insurance company requesting an IME exam?
  288. Do I have to attend an IME exam requested by my disability insurance company?
  289. Is video surveillance of a disability claimant engaged in non-work related activities sufficient evidence for a disability insurance company to deny disability benefits?
  290. Do I have to sit home all day in fear that my disability insurance company will videotape me and then deny my disability benefits?
  291. When should a disability claimant suspect that their disability insurance company is doing video surveillance?
  292. Why do disability insurance companies conduct secretive video surveillance?
  293. Can a disability insurance company conduct video surveillance of a claimant whenever and wherever they want?
  294. How do I obtain a copy of my long term disability insurance policy or disability plan?
  295. Should I allow my disability insurance company to interview me in my home?
  296. Independent medical exams requested by disability insurance companies can be dangerous
  297. Beware of interview request by disability insurance companies
  298. Disability insurance companies love video surveillance
  299. SSDI benefits versus long-term disability insurance benefits
  300. Beware of buried language in Prudential long term disability insurance policy
  301. If my long term disability claim is wrongfully denied will the insurance company pay my attorney's fee if I win my case?
  302. Dentist and doctors: beware of the Standard Insurance Company Group's long-term disability policy
  303. Can I recover attorney fees if my long-term disability claim is governed by ERISA?
  304. Should bipolar disorder be classified as a mental nervous condition and limited to 24 months of benefits?
  305. Can a disability insurance company conduct video surveillance of me without my permission?
  306. Hartford continues to use video surveillance to wrongfully deny long-term disability claims
  307. If I am already receiving long-term disability benefits, what actions can I take to help prevent denial of disability benefits?
  308. Can a LTD insurance company claim overpayment if claimant is approved for SSDI?
  309. Why are disability insurance policies difficult to understand?
  310. Why is it important to have a disability attorney when applying for disability insurance benefits?
  311. Does having a disability insurance attorney raise a red flag?
  312. What is an "own occupation" definition of disability?
  313. What is an "any occupation" definition of disability?
  314. What time frames apply to an ERISA disability appeal?
  315. Who are the largest private and group disability insurance companies?
  316. How do I know if my disability policy is subject to ERISA?
  317. Are there any penalties if a disability insurance company violates ERISA?
  318. Why was ERISA created?
  319. How does an individual disability claim differ from an ERISA group disability claim?
  320. Why consider a lump-sum buyout of your disability insurance policy?
  321. How do disability insurance companies calculate lump-sum buyouts?
  322. What is a lump sum buyout?
  323. What types of medical conditions are most commonly challenged by disability insurance companies?
  324. How important is the support of my treating physician?
  325. Should I speak with an attorney prior to filing my long-term disability insurance claim?
  326. What are my options if my long term disability insurance claim has been denied?
  327. Do you need to suffer a loss of income to collect disability income payments?
  328. Can you work in a different occupation while collecting disability income payments?
  329. Disability Income Benefits: The Complex Application Process

DISABILITY COMPANIES

  1. Sue Reliance Standard
  2. Voya Financial
  3. Davies
  4. Lincoln Application
  5. Lincoln Claim Handling
  6. New York Life Claim Handling
  7. Unum Buyout
  8. Unum Claim Handling
  9. Sun Life Application
  10. Reliance Standard Application
  11. Prudential Claim Handling
  12. Prudential Application
  13. Prudential Buyout
  14. Mass Mutual Application
  15. Lloyds of London Application
  16. Hartford Claim Handling
  17. Hartford Application
  18. Cigna Claim Handling
  19. Cigna Application
  20. Metlife Application
  21. Metlife Claim Handling
  22. Sue Cigna
  23. Sue Guardian
  24. Sue Hartford
  25. Sue Lincoln
  26. Sue MetLife
  27. Sue Mutual of Omaha
  28. Sue New York Life
  29. Sue Northwestern Mutual
  30. Sue Principal
  31. Sue Prudential
  32. Sue Standard
  33. Standard Appeal
  34. Sue Sun Life
  35. Sun Life Appeal
  36. Prudential Appeal
  37. Lincoln Appeal
  38. Metlife Appeal
  39. Mutual of Omaha Appeal
  40. New York Life Appeal
  41. Northwestern Mutual Appeal
  42. Principal Appeal
  43. Hartford Appeal
  44. Guardian Appeal
  45. Cigna Appeal
  46. Sue Unum
  47. Unum Appeal
  48. Unum Application
  49. Chubb
  50. DMS
  51. Ameritas
  52. Anthem
  53. Companion
  54. Sedgwick
  55. American United
  56. Assurity Life
  57. Dearborn
  58. HM Life Insurance
  59. Broadspire
  60. Boston Mutual
  61. Reliance Standard
  62. Ohio National
  63. Reassure
  64. Illinois Mutual
  65. Assurant
  66. Unum
  67. Union Central
  68. Trustmark
  69. Sun Life
  70. Standard
  71. Prudential
  72. Provident
  73. Principal
  74. Paul Revere
  75. Northwestern Mutual
  76. New York Life
  77. Mutual of Omaha
  78. Monarch
  79. MetLife
  80. Mass Mutual
  81. Lloyd's of London
  82. Lincoln Financial
  83. Liberty Mutual
  84. Jefferson Pilot
  85. ING / Reliastar
  86. Hartford
  87. Guardian
  88. Great West
  89. Colonial
  90. Cigna
  91. Berkshire
  92. AXA Equitable
  93. AIG
  94. Aetna

ATTORNEYS

  1. Steven Dell
  2. Stephen Jessup
  3. Rachel Alters
  4. Jay Symonds
  5. Gregory Dell
  6. Cesar Gavidia
  7. Alex Palamara

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CASE SUMMARIES

  1. Federal Court Overturns Aetna Denial Of Disability Benefits
  2. Court Finds Irregularities in Procter & Gamble Long Term Disability Benefit Denial
  3. Federal Judge Makes Companion Life Insurance Pay Long Term Disability Benefits
  4. NFL Disability Review Board Ignores Evidence of Disability and Appeal Court Reverses Lower Court Decision
  5. Judge Agrees that MetLife's Denial of Long Term Disability Benefits was Reasonable
  6. Can Standard Insurance Company’s Failure to Raise an Issue be Considered a Waiver?
  7. Court Ordered Aetna to Pay LTD Benefits to Computer Engineer
  8. California Federal Judge Orders Standard Insurance Company to Pay Disability Benefits to Teacher with Lyme Disease
  9. Court Orders Aetna to Pay LTD Benefits to Plaintiff Suffering from CFS
  10. Reliance Standard Wrongfully Denies Life Insurance Waiver of Premium and Must Pay $188,000
  11. Court Upholds Aetna’s Denial of LTD Benefits Under the “Any Occupation” Disability Definition
  12. A Judge’s 8 Reasons that Aetna Reasonably Denied Disability Benefits to Bank of America Employee
  13. Court Rules Plaintiff's Medical Records Was Replete With Evidence Supporting Claim of MS & Was Not A Pre-Existing Condition
  14. Court Rules That Aetna’s Failure To Consider Plaintiff’s Actual Job Duties Was Arbitrary And Capricious
  15. Court Rules That MetLife Improperly Limited Proof Of Claim To Only Objective Data
  16. Hartford Admits to Improper Offset, Agrees to Reimburse 10 Years of Wrongfully Withheld Money
  17. Was Eaton’s Denial of LTD Benefits for Ehlers-Danlos Syndrome Arbitrary and Capricious?
  18. Is Plaintiff Entitled to LTD Benefits When Unable to Work in Any Occupation?
  19. California Federal Court Overturns MetLife’s Denial of Disability Benefits
  20. Can Employer’s Transfer of Coverage Effect an Employee’s Disability Claim?
  21. Court Upholds Aetna’s Denial of Accidental Death Benefits Under Intoxication Exclusion
  22. Court Rules That MetLife Did Not Consider The Material Duties Of Claimants Occupation
  23. Court Upholds Sedgwick's Denial of Benefits for Claimant with Chronic Fatigue Syndrome
  24. Court Finds Video Surveillance Renders Claimant’s Self-Reporting Unreliable and Upholds Hartford’s Termination of LTD Benefits
  25. Court Upholds Reliance’s Denial of Disability Benefits to Riverboat Pilot
  26. Reliance Termination of Benefits Is Upheld When Evidence Was Conflicting
  27. 1st Circuit Affirms Holding That Claim Is Not Subject To Pre-Existing Condition Provision
  28. Appellate Court Agrees with Zurich Decision to Deny Accidental Death Benefits to Wife of Man with Cardiac Condition
  29. Mutual of Omaha Disability Denial Upheld by Appellate Court
  30. Court Rules Plaintiff Filed Lawsuit Before Trustmark Denied His Claim
  31. After paying for 13 years Unum Denies Disability Benefits to Woman with Lyme Disease and Endometriosis
  32. Inexperienced Lawyer Handles Unum Disability Lawsuit and Fails to Provide Evidence to Support Occupational Argument
  33. Can Sun Life deduct Veterans' Benefits from a monthly disability insurance benefit payment?
  34. Is De Novo Review Correct Standard When AIG Failed to Comply with ERISA Regulations in Terminating LTD Benefits?
  35. Did U.S. Life Breach its Contract When it Denied Total Disability Claim of ABA Policy Holder?
  36. MetLife Pre-Existing Condition Disability Benefit Denial for Back Injury Reversed
  37. Can Medical Records Created After the Eligibility Period Support a Claim for Disability Benefits?
  38. Does Policy Language of Actively at Work Include Saturday, Sunday and Holidays?
  39. Can UNUM Deny LTD Benefits When Plaintiff Proves Eligibility by a Preponderance of the Evidence?
  40. Reliance's Termination of Disability Benefits was Arbitrary and Capricious When it Discounted Supporting Medical Evidence Without Reason
  41. Court Orders Western & Southern Financial Group to Pay Short Term Disability Benefits
  42. Is Remand Required If Plaintiff Proves Disability by a Preponderance of the Evidence?
  43. Do Courts Require Objective Medical Tests to Support a Fibromyalgia Diagnosis?
  44. The Standard's Denial of LTD Benefits for Financial Planner Upheld by Ohio Court
  45. Can Unum Deny My LTD Benefits After Paying For 15 Years?
  46. Programmer Denied LTD Benefits by MetLife Upheld by Court
  47. Cigna Denial of LTD Benefits for Schlumberger Shop Manager Upheld
  48. Court Orders Liberty to Pay LTD Benefits to Plaintiff Who Proved She was Disabled
  49. Missouri Court Rules Cigna Wrongfully Terminated Disability Benefits
  50. Court Agrees with Sedgwick and Finds Plaintiff's ERISA Lawsuit is Time-Barred
  51. Missouri Court Orders Cigna to Pay LTD Benefits to Medical Sales Executive
  52. Court Holds Plaintiff's State Claims Preempted by ERISA and Dismissed Complaint
  53. MetLife's Denial of LTD Benefits Was Based on Substantial Evidence
  54. Court Rules Proper Standard of Review is Abuse of Discretion
  55. District Court Holds That Reliance Standard Did Not Properly Consider Whether Traveling Nurse Could Perform The Material Duties Of Her Regular Occupation
  56. Met-Life Denies Benefits when Claimant Fails to Present Evidence to Support His Claim
  57. Ohio National Sued for Not Paying Brokers Who Sold Annuities
  58. Court Finds Prudential Abused its Discretion in Denying LTD Benefits
  59. Court Denied American General's Motion for Partial Summary Judgment
  60. Court Orders Principal Life to Pay Long-Term Disability Benefits to Plaintiff
  61. Massachusetts court overturns Unum's decision to terminate disability benefits after paying for nearly ten years
  62. 8th Circuit Court of Appeal Overturns Award of LTD Benefits for Disabled Walmart Employee
  63. Court Rules Against Unum Holding Plaintiff's Plan is Exempt from ERISA Coverage
  64. If Your Long Term Disability Claim is Denied due to a Pre-Existing Condition, All May Not be Lost
  65. LTD Claimant's Failure to Submit Timely Appeal Was Fatal to His Disability Insurance Claim
  66. Prudential Wrongfully Relies on Neuropsychological Report to Deny LTD Benefits After 12 Years
  67. California Federal Court Orders Metropolitan Life Insurance Company to reinstate benefits to disabled analyst
  68. Court Upholds Standard's Termination of Long-Term Disability Benefits
  69. Appeals Court Upholds Hartford's Termination of Disability Benefits
  70. District Court Ordered to Evaluate Unum's Pre-Existing Condition Claim
  71. California Court Overturns Prudential Denial of LTD Benefits
  72. Cigna's Termination of Disability Benefits was Arbitrary and Capricious
  73. Court Rules for Paul Revere/UNUM and Holds Plaintiff is not Totally Disabled
  74. Court Finds Aetna Had No Credible Argument Whatsoever To Support Its Decision To Deny Benefits To Claimant With MS
  75. Court Remands to Sedgwick for Reevaluation of Its Denial of Claim for Disability Benefits
  76. Court Criticizes Lina For Failing to Perform Independent Examination
  77. Aetna Ordered by Federal Court to Reconsider the Claim of Amazon Employee Disabled Due to Urinary Incontinence
  78. Unum Motion to Deny Total Disability Benefits to OB/GYN Denied by Tennessee Judge
  79. Metlife Denial of Long Term Disability Benefits For Heart Disease Claimant is Reversed
  80. Indiana District Court criticizes Aetna for denying benefits to Amazon Employee
  81. California Court Reverses Sunlife Disability Denial for Woman with Fibromyalgia
  82. Lockheed Martin Systems Integration Analyst Wins Long-term Disability Lawsuit against CIGNA
  83. Social Security Approval Does Not Mean Disability Insurance Benefits Must be Approved
  84. Court Rules Against United of Omaha's Determination of Disability Date
  85. New Jersey Federal Court Rules Against Aetna and in Favor of Systems Analyst Disabled by Degenerative Joint Disease of the Lumbar Spine
  86. Unum Tells a Pharmacist On Narcotics That She Is Not Disabled and Denies Benefits
  87. Court Orders Principal Life to Reinstate Long Term Disability Benefits
  88. Court Remands Finding That Reliance Arbitrarily Denied Disability Benefits
  89. Colorado District Court overturns denial of benefits by Life Insurance Company of North America
  90. Hartford Disability Company Field Interview Request and Video Surveillance
  91. Hartford Long Term Disability Benefit Denial Reversed by Minnesota Federal Judge
  92. Principal Life Disability Denial of Truck Driver Reversed by Washington Federal Judge
  93. Liberty Wrongfully Denies Long Term Disability Benefit Depression Claim Based on Filed Review
  94. United of Omaha criticized for relying on in-house medical review and failing to obtain independent examinations
  95. California Court Rules Disability Claim Accrues When Disability Terminates
  96. First Unum Cannot Extend Disability Appeal Review Indefinitely
  97. Court overturns United of Omaha's termination of Plaintiff's benefits after performing an unfair "any occupation" review
  98. Registered Nurse Disabled By Plantar Fascitis Wins Long-term Disability Lawsuit Against United of Omaha After Judge Finds Evidence of "Cherry Picking"
  99. 9th Circuit Holds That Release In Plaintiff's Wrongful Termination Lawsuit Bars Subsequent ERISA Benefits Claim
  100. California Court Overturns Prudential Denial of Disability Benefits
  101. District Court Affords Greater Weight To SSDI Award Than Surveillance Footage
  102. 7th Circuit Recognizes Chronic Debilitating Effects Of Fibromyalgia
  103. Court Rejects Expanded Mental Illness Limitation to Coverage
  104. First Circuit Finds for Plaintiff and Awards Retroactive Mental Health Benefits
  105. Prudential Denies Long Term Disability Claim Due to Insurance Fraud
  106. Texas Court Dismisses ERISA Lawsuit due to Judicial Estoppel
  107. Oklahoma Court Remands to Give Plaintiff the Opportunity to Respond to Unum's Allegations
  108. Federal Court Reverses Unum's Denial of Long-Term Disability Benefits
  109. Federal District Court Overturns Hartford's Denial of Long Term Disability Benefits
  110. Michigan Court Finds Plaintiff Eligible for Long Term Disability Benefits
  111. Prudential Denial of Disability Benefits to Employee that Was Disabled While Working is Reversed
  112. Liberty Mutual Ignores SSDI Approval and Denies LTD Benefits Wrongfully
  113. Hartford Denial of Disability Benefits to Claimant with Fibromyalgia is Reversed!
  114. 9th Circuit Clarifies The Definition Of "Sedentary Work"
  115. MetLife Denies Third Claim for Disability Benefits After Approving Two Separate Prior Claims for Disability Benefits for Chronic Fatigue Syndrome Sufferer
  116. Texas Judge Disagrees with Cigna and Applies Claimant Friendly Disability Standard of Review
  117. Michigan Court Reverses AT&T's Denial of Plaintiff’s Two Claims for Short Term Benefits
  118. Utah Judge Reverses MetLife's Denial of Mental Disability Long Term Benefits
  119. Florida Court Upholds Hancock's Termination of Long Term Care Benefits
  120. MetLife Loses Case Over Unfair Life Insurance Disbursement Practices
  121. Texas Judge Rules No New Medical Evidence Allowed Post ERISA Disability Appeal
  122. Court Orders United of Omaha to Pay Death Benefit, Attorney's Fees and Prejudgment Interest
  123. Court Finds Multiple Errors and Orders Aetna to Pay Claimant Long Term Disability Benefits
  124. Reliance's Delay in Denying Disability Claim May Affect Standard of Review
  125. Reliance Erred in Denying Disability Benefits When Physical Conditions Caused Disability
  126. Court Orders Metlife to Re-evaluate the Denial of Disability Benefits to Citibank Employee
  127. One Year Period to File Lawsuit Following Liberty Life Insurance Denial is Valid
  128. Liberty Life Has a Conflict of Interest and Court Orders Reinstatement of Long-Term Disability Benefits
  129. Standard Insurance Wins Appellate Remand for Claimant's Own Occupation Disability Determination
  130. Unum Denial of Disability to Claimant with Lyme Disease Remanded by Washington ERISA Judge
  131. MetLife Slammed by California Judge for Long Term Disability Denial
  132. Court Orders Sedgwick to Pay Disability Benefits to Claimant with Carpel Tunnel Syndrome Even though the Employer Offered Her Accommodations
  133. Texas Ban on MetLife's Discretionary Clause is Great for Long Term Disability Claimants
  134. California Court Agrees with MetLife's Denial of Dismemberment Claim
  135. New York Federal Court Orders Aetna to Pay Long Term Disability Benefits
  136. Unum Disability Claim Dismissed For Failure To File a Timely Claim
  137. Hartford Life Abused Its Discretion by Failing to Advise of Need for an FCE
  138. Michigan Court Remands Aetna to Reconsider Disability Benefit Denial
  139. Court Upholds Principal Life's Denial of Extended Disability Benefits
  140. Washington Court Finds Liberty Erred in Terminating Disability Benefits
  141. Court Agrees: Principal Life Correctly Terminated Disability Benefits
  142. Court Remands Sun Life to Consider Social Security's Decision to Award Plaintiff Disability Benefits
  143. Federal Court Orders Principal Life Insurance Company to Pay Disability Benefits
  144. Texas Court Orders Union Central to Provide Discovery to Plaintiff
  145. Claimant is Ordered to Pay Attorney Fees to Standard for Failing to Exhaust Her Administrative Remedies
  146. Court Orders Aetna to Pay Disability Benefits when Plaintiff was Found Capable of Working
  147. MetLife Disability Denial Upheld when Claimant Files Lawsuit Without ERISA Appeal
  148. Court Finds Sedgwick Wrong to Deny Benefits Without Considering Claimant's Actual Job Duties
  149. Ohio Court Allows Investigation Into Reliance Standard Conflict of Interest After Disability Denial
  150. Arkansas Court Reverses Liberty Life's Disability Denial for a Nurse
  151. Sappi Company's Difficult Definition of Disability is Not Illegal According to Minnesota Federal Court
  152. Washington Court Finds Omaha Wrongfully Relied on Video Surveillance to Deny Disability Benefits
  153. Can UNUM Be Sued for Defamation in a Disability Insurance Case?
  154. Massachusetts Court Reverses Liberty Disability Denial for Failure to Examine or Consider Subjective Pain
  155. Court Sides with PNC: A Claimant Must Provide Proof of How Condition is Disabling
  156. Sun Life's Video Surveillance Backfires & is Ordered to Pay Disability Benefits
  157. Court Allows Aetna to Use the Dictionary of Occupational Titles to Deny LTD Benefits
  158. Court Rules Aetna Erred in Denying Long term Disability Benefits
  159. Federal Court Agrees with Aetna's Termination of Disability Benefits
  160. Court Orders Aetna to Reconsider Termination of Disability Benefits Where Aetna Completely Ignored Treating Doctors Records and Recommendations
  161. When neither the Insurance Company nor the Claimant Can Produce the Original Disability Policy, the Burden is on the Plaintiff to Prove the Terms of His or Her Policy
  162. California Court Finds Anthem's Long Term Disability Denial Unreasonable
  163. Federal ERISA Lawsuit Filed Against Prudential After It Denies Long-term Disability Benefits to Insured With Parkinson's Disease
  164. Florida Court Holds Anthem Does Not Need to do Vocational Testing in Disability Denial
  165. Michigan Court Agrees With Anthem's Denial of Long Term Disability Benefits
  166. Anthem Disability Claim Denial Reversed by Nevada Court
  167. Oregon Court Orders Standard to Pay Plaintiff Prejudgment Interest
  168. Disability Denial Remanded to Anthem for Analysis of Claimant's Job Duties
  169. Federal Court Orders Anthem Life & Disability to Reinstate Improperly Terminated Long Term Disability Benefits to a Fibromyalgia Claimant
  170. Vermont Federal Court Makes ING / Reliastar Reevaluate its Denial of LTD Benefit Under Any Occupation Definition
  171. Lincoln Financial Beats to Their Own Drum With Long Term Disability Claims
  172. Federal ERISA Lawsuit Filed Against CIGNA Following Its Decision to Terminate the Long-term Disability Claim of an Insured Suffering from Severe and Chronic Lower Back Pain
  173. Accidental Death Benefit Denied By National Union Fire Insurance Due To Language of Policy Exclusion
  174. Unum Denies Disability Benefits to 53 Year Old Woman After Paying for 16 years
  175. GE Benefit Denial Overturned For Plaintiff with Permanent Loss of Function of His Foot
  176. Cigna's Disability Denial Of Woman With Chronic Pain and Depression Reversed And Not Subject to Mental Nervous Limitation
  177. Court Rules That Sun Life Did Not Properly Review a Mental Nervous Disability Claim
  178. Federal Appeal Court Upholds District Court Order to FedEx to Pay Long Term Total Disability Benefits to Its Employee
  179. WARNING: Lincoln Financial Disability Denial Requires Two ERISA Appeals before Filing Suit
  180. Federal Court Orders Aetna to Pay Long Term Disability Benefits to Their Own Employee
  181. Is Reliance Standard Wrongfully Offsetting Your Disability Ins