Sitemap

VIDEOS

  1. Prudential Disability Reviews - Good or Bad?
  2. The Standard Disability Reviews - Good or Bad?
  3. Hartford Disability Reviews - Good or Bad?
  4. Business Owner With DID Gets MetLife Disability Approval
  5. Reliance Standard Disability Reviews - Good or Bad?
  6. Metlife Disability Reviews - Good or Bad?
  7. How to Win a New York Life Disability Benefit Lawsuit
  8. Lincoln Financial Disability Reviews - Good or Bad?
  9. Winning a Reliance Standard Disability Appeal
  10. MetLife Disability Lawsuit Strategies
  11. Dentist With Neck and Back Disorder Wins Unum and Protective Life Claim
  12. What are Bad Faith Damages in Long Term Disability Claims
  13. Tips To Win a Unum Lawsuit
  14. New York Life Disability Reviews - Good or Bad?
  15. What is Bad Faith in Long Term Disability Insurance Claims?
  16. How to Win a NY Life Disability Appeal
  17. Winning a Prudential Disability Denial Lawsuit
  18. Guardian Disability Reviews: Good or Bad?
  19. Principal Financial Disability Reviews: Good or Bad?
  20. Lincoln Financial Disability Denial of Hotel Manager with Colon Cancer Reversed
  21. Northwestern Mutual Disability Reviews: Good or Bad?
  22. How to Challenge a Lincoln Financial Disability Denial
  23. Are Disability Insurance Company Doctors Fair?
  24. Keys to Winning A Unum Disability Appeal
  25. Sun Life Disability Reviews: Good or Bad?
  26. Software Engineer with Ehlers Danlos Syndrome Resolves NY Life Disability Lawsuit
  27. Mutual of Omaha Disability Reviews: Good or Bad?
  28. Unum Disability Reviews: Good or Bad?
  29. Guardian Disability Denial and Appeal Questions
  30. Can You Win a Sun Life Disability Appeal?
  31. Unum Disability Appeal Victory for a Transportation Manager with a Brain Injury
  32. Hartford Long Term Disability Denial and Appeal Tips
  33. Reliance Standard Disability Denial and Appeal Tips
  34. Registered Nurse Wins Appeal of Lincoln Financial Denial
  35. How Long Does it Take to Get a Decision on an Application for Disability Insurance Benefits?
  36. Estes Express Diesel Mechanic Wins NY Life Disability Appeal After Prior Law Firm Sucked
  37. Can You Sue Lincoln Financial Without Submitting a Disability Appeal?
  38. Metlife Long Term Disability Appeal Questions & Tips
  39. Lincoln Financial Disability Denial - Who Makes Final Decision?
  40. The Standard Long Term Disability Denial and Appeal Tips
  41. Prudential Reverses Disability Denial for Engineer with Depression
  42. Unum Denied Disability Benefits to Lawyer After Paying for 18 Years
  43. Davies Group and Disability Insurance Claim Help
  44. Lincoln Financial Reverses Disability Denial of Patient Care Manager
  45. Voya Financial Disability Denial Tips
  46. KPMG Employee With Depression Wins Prudential Long Term Disability Appeal
  47. Lincoln Denies Disability Benefits to 66 Year Old Software Developer with Long Covid
  48. Can Unum Deny Disability Benefits Without Examining a Claimant?
  49. Long Covid Disability Benefit Tips
  50. Consider These Tips Before Filing for Long Term Disability Benefits
  51. Prudential Long Term Disability Appeal Questions & Tips
  52. Banker with Cirrhosis Wins Sun Life Disability Benefit Denial Appeal
  53. Lincoln Financial Long Term Disability Appeal Questions & Tips
  54. Unum Long Term Disability Appeal Questions & Tips
  55. Radiologist With Depression & Anxiety Approved for Long Term Disability By Unum
  56. Long Term Disability Benefits Trends in 2023
  57. A Long-Term Disability Success Story for a Teacher with MS that was Denied Benefits by New York Life
  58. Can A Severance Package Prevent Me From Getting Long Term Disability?
  59. Lincoln LTD Denial Reversed for an Occupational Therapist that was Denied Benefits After 24 Months
  60. Prudential Reverses Decision to Terminate LTD Benefits of MRI Tech with MS
  61. Onsite Construction Manager Wins STD Appeal Against Reliance Standard
  62. Can You Win a New York Life Disability Appeal?
  63. Lawyer Wins 24 Month Mental Nervous Prudential Disability Denial
  64. Florida Disability Insurance Denial Lawyers Discuss Florida Disability Laws
  65. KPMG Tax Consultant Wins Prudential Disability Appeal
  66. How Our Disability Lawyers Get Long Term Disability Benefits Approved
  67. California Disability Insurance Denial Lawyers Discuss CA Disability Laws
  68. Don’t Apply For Disability Benefits Without a Lawyer
  69. Corporate Attorney with Long COVID & Cognitive Limitations Wins Lincoln Disability Benefit Appeal
  70. Is it Easy To Get Disability Benefits Paid?
  71. Insurance Companies Don't Want You to Have a Long Term Disability Attorney
  72. Don’t Fear Video Surveillance in Disability Insurance Benefit Claims
  73. Building Engineer Wins Lincoln Financial Disability Appeal
  74. Reliance Standard Denies LTD Benefits 4 times in 24 Months for 64 Year Old Insurance Agent
  75. MetLife Throws The Kitchen Sink of Disability Denial Reasons At ABInBev Manager
  76. Northwestern Mutual Disability Denial Legal Help (Long Term Disability Lawyer Tip #55)
  77. How Long Will My Disability Insurance Benefits be Paid?
  78. Best Buy Manager with Heart Disease Wins Hartford Disability Appeal
  79. One America Disability Denial Legal Help (Long Term Disability Lawyer Tip #54)
  80. USAble Life Disability Denial Legal Help (Disability Attorney Tip #51)
  81. Limit the Scope of the Authorization Form
  82. Davita Registered Nurse Wrongfully Denied LTD Benefits By Prudential Wins Appeal
  83. Your Disability Policy May Be Governed by ERISA Law (Disability Lawyer Tip #53)
  84. Seven Surgeries and The Standard Still Denies Long Term Disability Benefits
  85. Nurse With Knee and Back Disorder Wins Hartford Disability Appeal
  86. FPL Lineman Wins Lincoln Disability Denial Appeal
  87. Reliance Standard Disability Benefit Denial Help (Long Term Disability Attorney Tip #52)
  88. LTD Benefits Can be Approved Even if Short Term Disability is Denied (Disability Benefit Tip #39)
  89. NY Life Commonly Denies LTD Benefits After 24 Months of Payments
  90. Lincoln Financial Disability Denial Lawyer Tips (Disability Benefit Tip #50)
  91. Guardian Denies Disability Benefits By Using Deceptive Claim Form
  92. Zurich Disability Denial Help. What To Expect. (Long Term Disability Lawyer Tip #48)
  93. Guardian Long Term Disability Denial Legal Help (Disability Attorney Tip #46)
  94. Everything You Must Know About Your Disability Insurance Company
  95. How Should You Present Your Medical Condition in a Long Term Disability Claim?
  96. JB Hunt Truck Driver Wins Unum Long Term Disability Appeal
  97. Anesthesiologist Approved for Long Term Disability Benefits Plus an Extra 9 Months of Benefits
  98. New York Life's Number One Reason to Deny Disability Benefits
  99. ADP Admin With Amputated Leg Denied Hartford Long Term Disability Benefits Wins Appeal
  100. Filing For Unemployment Benefits Could Jeopardize Disability Benefits (Disability Lawyer Tip #27)
  101. Prudential Relies on Paper Medical Reviews to Deny Long Term Disability Benefits
  102. A private disability policy is better than an Employer provided policy (Disability Attorney Tip #35)
  103. Hartford Disability Denial Reversed for Oracle Manager and Veteran with Cardiovascular Disease
  104. How Does Prudential Use Video Surveillance and Social Media to Deny Disability Benefits?
  105. Prudential Relies on The Change of Disability Definition to Deny Benefits
  106. A Functional Capacity Exam FCE Can Help Win Disability Benefits (Disability Lawyer Tip #33)
  107. Prudential Denies Long Term Disability Benefits Due to Lack of Medical Evidence
  108. Can Disability Benefits be Approved if you Work with a Disabling Condition?
  109. Hartford Long Term Disability Appeal Victory for Truck Driver with Hip, Back and Cardiac Disorders
  110. Prudential Disability Denial (Long Term Disability Attorney Tip #41)
  111. Reliance Standard Denies Long Term Disability After Paying for 16 Years
  112. File for Disability Benefits Timely if You Have a Pre Existing Condition (Disability Benefit Tip 23)
  113. Heart Surgery and Back Disorder Doesn’t Stop MetLife from Wrongfully Denying Disability Benefits
  114. Your Retirement Benefits Can Offset Your Disability Benefits (Long Term Disability Lawyer Tip #24)
  115. Hartford Denies Disability Benefits to Theater Technician with Vestibular Disorder After 6 Years
  116. Research Epidemiologist with chronic fatigue / ME wins LTD appeal against Prudential
  117. How Do You Fight a Long Term Disability Benefit Denial?
  118. Plastic Surgeon Disability Insurance Tips to Prevent Disability Benefit Denial
  119. Unum Disability Denial Lawyer Tips (Disability Benefit Tip #45)
  120. Executive Director with Meniere’s Disease Denied Disability Benefits By Hartford
  121. A Sexton at Princeton University Denied Prudential Disability Benefits After Neck Surgery
  122. Never Sign a Severance Agreement That Waives Your Disability Benefits (Disability Lawyer Tip #25)
  123. Reliance Standard Disability Appeal Success Story for a Colorado Police Officer
  124. Always Disclose Your Disability Policy if You File for Bankruptcy (Disability Attorney Tip #26)
  125. Registered Nurse with Hand and Back Issues Wins New York Life LTD Appeal
  126. Provide Medical Records to The Disability Company Often (Disability Lawyer Tip #20)
  127. How Do Disability Insurance Companies Evaluate Your Occupation?
  128. Former Cigna Employee Denied By New York Life Wins Disability Appeal After Back Surgery
  129. Louisiana State College Director Wins Unum LTD Appeal But Then Denied Again
  130. Voya Disability Denial? First Steps to Take (Disability Attorney Tip #42)
  131. You Must Attend the IME Exam (Long Term Disability Attorney Tip #19)
  132. Reliance Standard Pays for Three Years & Then Denies LTD to Project Manager with Brain Injury
  133. IT Manager Overcomes Pre Existing Condition LTD Denial
  134. What is Unum Relying Upon to Deny Disability Benefits?
  135. Illinois Mutual Denies Disability Benefits to Tire Service Manager
  136. Lincoln Life Denies Disability Benefits to Operations Manager
  137. HR Manager with Fibromyalgia wins Lincoln Financial Disability Denial Appeal
  138. Guardian Disability Benefits Approved for Pediatrician with Eye Disorder
  139. JP Morgan Chase IT Manager with Shoulder Disorder & Bipolar Wins Sedgwick Disability Appeal
  140. New York Life Disability Denial (Long Term Disability Lawyer Tip #38)
  141. SSDI Approval and Mutual of Omaha Still Denied Disability Benefits for an IT Service Desk Engineer
  142. Metlife Disability Denial Disability Benefit Lawyer Tip (Disability Attorney Tip #37)
  143. Northwestern Mutual Approved Disability For Lawyer with Gastroparesis
  144. How Do I Determine my Date of Disability? (Disability Lawyer Tip #1)
  145. Principal Disability Denial (Disability Benefit Tip #49)
  146. LA Police Officer with COPD & Back Disorder Wins Reliance Standard Long Term Disability Appeal
  147. Mutual Of Omaha Disability Denial (Disability Benefit Tip #56)
  148. Orthopedic Surgeon Approved for Long Term Disability Benefits by Guardian and Berkshire
  149. Sun Life Denies LTD Benefits to Construction Sales Manager with Neck & Back Disorder
  150. The Standard Disability Denial Help (Long Term Disability Attorney Tip #57)
  151. Sun Life Disability Denial Help (Long Term Disability Lawyer Tip #58)
  152. Principal Denies Disability Benefits to Software Engineer with Non 24 Sleep Disorder
  153. You Don't Have to Undergo Surgery To Collect Disability Benefits (Disability Lawyer Tip #34)
  154. A Hartford Disability Benefit Lawsuit Victory for Truist Banker with Lupus
  155. Your Own Occupation Disability Definition May Not Be What You Think (Disability Attorney Tip #29)
  156. Sun Life Approves Disability Benefits for Orthopedic Surgeon with Ankylosis Spondylosis
  157. Operations Planner With Osteoarthritis & Anxiety Wins Prudential Disability Appeal
  158. Your Date of Disability Must be Prior to Your Employment Ending (LTD Lawyer Tip #28)
  159. Mutual of Omaha Disability Benefit Denial Reversed for Building Manager with Back Disorders
  160. Long Term Disability Benefits Can Be Denied at Anytime (Disability Lawyer Tip #47)
  161. Obtain "Objective" Evidence to Win Benefits (Disability Attorney Tip #18)
  162. Sun Life Wrongfully Denies Disability After Paying For 23 Months
  163. Home Depot Employees Gets Hartford Disability Benefit Denial Reversed
  164. Review Your Medical Records After Every Doctor Visit (Disability Lawyer Tip #12)
  165. The Standard, Ameritas and Sun Life Agree to Pay Residual Disability Benefits to General Surgeon
  166. New York Life Denies LTD Benefits to 64 Year Old Sales Manager
  167. Elementary Teacher Wins MetLife Disability Benefit Appeal
  168. Unum Approves LTD Benefits for Pharmacist with Eye Disorder
  169. Prudential Denies LTD Benefits to JP Morgan Financial Advisor With Jaw Cancer
  170. Network Engineer with Neck Disorder Wins a Standard Long Term Disability Benefit Appeal
  171. You Must File for SSDI With a Group Disability Policy (Long Term Disability Attorney Tip #22)
  172. MetLife Approves Disability Benefits for ER Doctor Impacted by COVID-19
  173. The Importance of Regular Doctor Visits for Long-Term Disability Claims
  174. Decoding Your Disability Definition
  175. Project Manager Denied Disability Benefits by Hartford After 15 Years
  176. Why Keeping a Pain Journal Matters in Your Disability Claim
  177. Principal Financial Approves Long Term Disability Benefits for Employment Litigation Lawyer
  178. Medical Device Manager With Shoulder Injury Wins Mutual of Omaha Disability Benefit Appeal
  179. United Healthcare Disability Denial (Long Term Disability Attorney Tip #44)
  180. Senior Project Manager with Cognitive Limitations Wins Unum Long Term Disability Denial Appeal
  181. Hospitalist at Kaiser Permanente Disabled by Knee & Back Pain Wins New York Life Disability Appeal
  182. Respiratory Therapist with Fibromyalgia Wins Hartford Short and Long Term Disability Benefit Appeal
  183. Follow Through with All of Your Doctors Suggestions (Long Term Disability Lawyer Tip #15)
  184. Northwestern Mutual Pays Disability Benefits to Ophthalmologist With Neck Disorder
  185. Symetra Disability Denial (Disability Attorney Tip #36)
  186. Do Not Use Social Media (Disability Lawyer Tip #5)
  187. Your Date of Disability Must be Supported (Long Term Disability Attorney Tip #9)
  188. IBM Executive with Occipital Neuralgia & Headaches Wins Metlife Disability Appeal
  189. 3 Hartford Disability Denials and 3 Appeals for IT Business Analyst with Cognitive Impairment
  190. Prepare For Change in Definition of Disability (Long Term Disability Lawyer Tip #8)
  191. Apple VP of Sales with Knee Disorder Wins New York Life Long Term Disability Appeal
  192. Bring The Attending Physician Statement to Your Doctor Visit (Disability Attorney Tip #17)
  193. MetLife Musculoskeletal Limitation Denial Reversed for Senior Research Associate With Back Disorder
  194. Warn Your Doctor About Speaking With Your Disability Company (Disability Lawyer Tip #7)
  195. Billing Manager With Back Disorder Wins Unum Long Term Disability Denial Appeal
  196. Contracts Manager With Toxic Encephalopathy Wins MetLife Long Term Disability Denial Appeal
  197. Electrician with Neck and Back Disorders Denied Lincoln Financial Disability Benefits After 5 Years
  198. Be Aware of Limited Disability Benefit Periods (Long Term Disability Attorney Tip #11)
  199. Hartford Denies Long Term Disability Benefits After Paying for 22 Years
  200. United Airlines Flight Attendant Wins Prudential Long Term Disability Benefit Appeal
  201. Reliance Standard Disability Lawsuit Results in Payment of Disability Benefits For an HR Manager
  202. Amazon Operation Managers With Back Disorder Wins Hartford Disability Appeal
  203. JP Morgan Chase Banker with Back Disorder Wins Prudential Long Disability Benefit Appeal
  204. After Paying IT Professional for 5 Years The Standard Disability Benefit Denial is Reversed
  205. Computer Programmer With Depression Wins Lincoln Financial Disability Benefit Appeal
  206. Consultant with Spinal Injury and Cognitive Disorder Wins New York Life Long Term Disability Appeal
  207. Assume You Are Being Watched Outside (Long Term Disability Lawyer Tip #4)
  208. Nurse with Fibromyalgia & Depression Wins Hartford Disability Benefits
  209. Difference Between Residual vs Total Disability Benefits
  210. Metlife Wrongfully Tells a Disabled Truck Driver It Is Safe For Him To Drive
  211. Your Doctor Must Document All Complaints (Disability Attorney Tip #3)
  212. General Electric Manager Wins Metlife Long Term Disability Appeal
  213. Orthopedic Surgeon Disability Insurance Claim Tips
  214. Microsoft Manager Denied Prudential Long Term Disability Benefits
  215. VP of Sales with Psoriatic Arthritis Wins Guardian Long Term Disability Denial Appeal
  216. Legal Secretary with Depression Wins Unum Short and Long Term Disability Benefit Appeal
  217. Software Engineer With Back Disorder Wins Multiple Battles For Prudential Disability Benefits
  218. Customer Service Rep with Men1 Wins Prudential Disability Appeal
  219. Why Our Disability Lawyers Should Handle Your Long Term Disability Benefit Claim Monthly
  220. File Your ERISA Disability Benefit Appeal Timely (Disability Attorney Tip #31)
  221. Financial Advisor with Fibromyalgia & Depression Wins Unum Long Term Disability Benefit Appeal
  222. Can A Long Term Disability Lawyer Prevent A Disability Benefit Denial?
  223. New York Life Disability STD Appeal Won For Waste Management Trash Collector With Back Disorder
  224. Our Disability Lawyers Can Maximize Your Disability Lump Sum Buyout or Settlement
  225. Hitachi Software Engineer With Cognitive Issues Wins Two Standard Disability Benefit Appeals
  226. Back Pain and Securing Long Term Disability Benefits
  227. A Disability Lawyer Guide For an ERISA Disability Benefit Denial Lawsuit
  228. Insurance Agent with Neuropathy Wins Reliance Standard Disability Appeal
  229. Our Disability Lawyers Help Write Your ERISA Disability Appeal Letter
  230. UCLA Social Worker with Trigeminal Neuralgia wins Lincoln Financial Disability Benefit Appeal
  231. A Disability Benefit Denial Lawsuit Should be Filed Quickly (Disability Lawyer Tip #32)
  232. Our Disability Lawyers Help You Apply for Disability Benefits
  233. Never Handle Your Disability Benefit Appeal Without a Lawyer (Long Term Disability Attorney Tip #43)
  234. Five Ways We Help Get Your Disability Benefit Paid
  235. Hartford’s 24 Month Any Occupation Disability Denial Reversed For Office Administrator
  236. A Strategy Can Maximize A Disability Lump Sum Buyout (Long Term Disability Lawyer Tip #30)
  237. Project Manager with Migraines Gets NY Life Disability Benefit Denial Reversed
  238. Claimant Statements Should Have an Addendum (Disability Attorney Tip #6)
  239. Principal Financial Disability Benefit Denial Reversed for Customer Service Employee
  240. Always Deal with the Disability Company in Writing (Long Term Disability Lawyer Tip #14)
  241. Architect with Lyme & Chronic Fatigue Wins Lincoln Financial Disability Benefits Following a Denial
  242. Always be Honest About Your Limitations (Long Term Disability Attorney Tip #2)
  243. How to Handle a Hartford Disability Denial (Disability Attorney Tip #40)
  244. Hartford Disability Benefit Denial Victory for Phillips 66 Manager with Rheumatoid Arthritis
  245. Treat With the Appropriate Doctor (Disability Lawyer Tip #1)
  246. Long Term Disability Benefit Denial Reason #5 – Your Medical Evidence is Weak
  247. Long Term Disability Benefit Denial Reason #4 - Your Doctor Is Misled By the Disability Company
  248. Long Term Disability Benefit Denial Reason #3 - Video & Social Media Surveillance
  249. Long Term Disability Denial Reason #2 – Change of Disability Definition & Vocational Review
  250. Long Term Disability Denial Reason #1 – Medical Review & IME
  251. Chronic Fatigue Syndrome Long Term Disability Insurance Claim Tips
  252. Eye Disorders and Long Term Disability Insurance Claim Help
  253. Paralegal with Back & Neck Disorder Wins Unum Disability Appeal
  254. Parkinson's Disease and Long Term Disability Insurance Claim Tips
  255. Can a Disability Company Require Objective Evidence of Disability if None Exist?
  256. Multiple Sclerosis Disability Insurance Claim Help & Tips
  257. What Should I Do When Transitioning From Short to Long Term Disability?
  258. Chronic Pain Syndrome and Tips for Proving Long Term Disability
  259. Medical Treatment Requirements for Disability Benefit Approval
  260. What Are The Top 5 New York Life Disability Benefit Denial Reasons?
  261. Lyme Disease Disability Insurance Benefit Claim Tips
  262. Fibromyalgia Long Term Disability Benefit Claim Tips
  263. Dentists Can Receive Disability Insurance Benefits While Working
  264. Meniere's Disease and Vestibular Disorder Disability Insurance Claim Help
  265. Mental Disorders and How to Collect Your Long Term Disability Benefits
  266. Long Term Disability Denial Options for Doctors Disability
  267. Long Term Disability Denial - What to Do?
  268. Musculoskeletal Disorders Disability Benefit Claim Lawyer Tips to Get Approved
  269. Why Do Disability Insurance Companies Never Stop Asking?
  270. Does Cancer Qualify For Long Term Disability Insurance Benefits?
  271. Endocrine Disorders - What to Expect in a Long Term Disability Claim
  272. Disability Insurance Denial - What Should Be in a Claim File?
  273. Blood and Vascular Disorders Disability Benefit Claim Legal Tips to Get Approved
  274. Can a Disability Company Video or Conduct Surveillance of Me Anywhere?
  275. Digestive Disorders Disability Benefit Claim Lawyer Tips to Get Paid
  276. Headache and Migraine Disability Insurance Claims Are Challenged By Disability Companies
  277. Why Do Disability Insurance Companies Manipulate Your Occupational Duties?
  278. Family Medicine & Internal Medicine Doctor Disability Insurance Claim
  279. Arthritis is Disabling but Will Your Disability Insurance Company Pay Disability Benefits?
  280. VOYA and Reliastar Disability Insurance Benefit Denials and Claim Help
  281. How Do I Collect Long Term Disability Benefits If I Have Back Pain?
  282. Common Reasons for A Disability Insurance Company to Delay Disability Benefit Payments
  283. ENT - Otolaryngologist Disability Benefit Claim Assistance
  284. Neurological Disorders and How to Get Your Long Term Disability Insurance Benefits Paid
  285. How Does New York Life Deny Disability Benefits Without Examining Claimants?
  286. Consultant Long Term Disability Basics You Should Know
  287. Disability Business Buyout Insurance Claim Tips & Legal Help
  288. Tips to Prevent Disability Insurance Benefit Denial Due to a Change of Disability Definition
  289. Psychologist & Psychiatrist Disability Insurance Claim Tips
  290. Applying for Guardian or Berkshire Disability Benefits is Challenging
  291. Software Developer Disability Benefit Claim Assistance
  292. MassMutual Disability Insurance Claim Overview & What to Expect
  293. Ophthalmologist Disability Insurance Claim Tips For Benefit Approval
  294. Do you have to sign the disability insurance company authorization form?
  295. Manager Long Term Disability Benefit Claim Tips
  296. Northwestern Mutual Group Disability Denial Appeal Legal Help
  297. Pediatrician Disability Benefit Claim Assistance
  298. Why Must Your Disability Insurance Lawyer Understand Your Disabling Conditions?
  299. Real Estate Salesperson Disability Benefit Claim Strategies
  300. How to Apply for Principal Disability Benefits?
  301. Lloyds of London Disability Denial Claim Options
  302. Accountants & AICPA Disability Insurance Claim Tips
  303. Anesthesiologist Disability Insurance Claim Actions You Must Know
  304. ER Physician Disability Insurance Claim Tips For Benefit Approval
  305. Ameritas Disability Benefit Overview
  306. Who Are The Largest Disability Insurance Companies? (Disability Benefit Tip #59)
  307. Physician Assistant Long Term Disability Policy Tips to get Approved
  308. Tips for a Radiologist Seeking Disability Benefits
  309. Business Owner Disability Benefit Claim Tips
  310. New York Life Disability Claim Overview
  311. Mass Mutual Disability Claim Handling
  312. How Long Does Prudential Pay Long Term Disability Benefits?
  313. What Does A Long Term Disability Lawyer Do?
  314. Ameritas Disability Benefit Denial Options
  315. Are All Disability Claims Denied?
  316. New York Life Disability Denial Lawsuit Guide
  317. Obstetric & Gynecologist OBGYN Doctor Long Term Disability Tips to get Approved
  318. Engineer Disability Insurance Claim Tips For Claim Approval
  319. Trustmark Disability Claim Benefits Overview & Legal Tips
  320. How to file a New York Life Disability Benefit Appeal
  321. CEO, CFO & Director Long Term Disability Benefit Claim Tips
  322. Insurance Claim Adjusters Are Often Denied Long Term Disability
  323. How to Protect Your Ameritas Long Term Disability Benefits
  324. Ohio National Disability Benefit Denial Options
  325. Podiatrist Long Term Disability Benefit Claim Tips
  326. Can Unum Use their Own Hired Doctors to Deny Disability Insurance Benefits?
  327. How to Protect Your Unum Disability Benefits
  328. Is Unum a Good Insurance Company?
  329. Airline Pilots Disability Benefit Claim Tips to Avoid Denial
  330. Disability Insurance Tips for Financial Advisers and Planners
  331. Cardiologist Disability Insurance Claim Challenges & Tips
  332. Law Enforcement Police Officer Long Term Disability Claim Tips
  333. NFL Player Disability & Neurocognitive Benefit Claim Help
  334. Disability Insurance - Definitely Get It
  335. How to Prove A Knee Disorder Disability Benefit Claim
  336. A Guide For Doctors Seeking Total or Residual Disability Benefits
  337. Can I Collect Disability Insurance Benefits if I Have Heart Disease?
  338. Do You Know How Your Disability Insurance Company Thinks?
  339. Sales Representative Disability Benefit Claim Tips
  340. How to Apply for New York Life Disability Benefits & Get Approved
  341. Tips to Prevent a Unum Disability Benefit Denial & Monthly Claim Handling Help
  342. How Much Neck Pain Does it Take to Qualify for Long Term Disability Benefits?
  343. Northwestern Mutual Doctor & Dentist Disability Benefit Legal Help
  344. A Guide to Writing a Disability Benefit Appeal
  345. Can I Collect Workers' Compensation and Long Term Disability Benefits?
  346. Legal Tips for Dentists Seeking Disability Benefits
  347. What is Disability Insurance?
  348. MetLife Disability Benefit Denial Tactics
  349. Legal Tips for Pharmacists Seeking Disability Benefits
  350. IT Professional Long Term Disability Claim Information
  351. What To Expect From Disability Insurance Companies in 2021
  352. Nurse Disability Insurance Claims Tips to Get Disability Benefits Approved
  353. A Surgeon Seeking Disability Benefits Needs These Tips To Collect Benefits
  354. Principal Disability Benefit Denial Options
  355. Required Medical Documentation for Disability Insurance Benefits Approval
  356. Disability Insurance Attorneys Dell & Schaefer Live Stream
  357. New York Life Disability Benefit Claim Tips to Avoid Denial
  358. Tips to Protect Your Northwestern Mutual Long Term Disability Benefits
  359. How to Prevent Standard Insurance Company from Denying Disability Benefits
  360. Prudential Lump Sum Disability Policy Buyout Options
  361. How to Apply for Reliance Standard Disability Benefits & Top 5 Reasons for a Claim Denial
  362. Chubb Disability Insurance Claim Help To Get Paid Benefits
  363. Dearborn National Disability & Lawsuit Tips
  364. Tips for Applying for Sun Life Disability Insurance Benefits
  365. Mutual of Omaha Lawsuit Help for Disability Income Benefit Denial
  366. How Can Covid-19 Affect a Disability Insurance Claim?
  367. Mass Mutual Disability Benefit Application Tips - Top Denial Reasons
  368. Application Tips: Northwestern Mutual Disability Benefits - Top Denial Reasons
  369. Principal Disability Lawsuit & Benefit Denial Tips To Get Paid
  370. Mutual of Omaha Disability Appeal Tips to Win Benefits
  371. Guardian Disability Benefit Claim Handling Tips
  372. Applying for Standard Disability Benefits? Top 5 Claim Denial Reasons
  373. Tips To Prevent a Cigna Disability Benefit Denial
  374. Application Tips: Lloyd's of London Disability Benefits - Top Denial Reasons
  375. Applying for Cigna Disability Benefits? Top 5 Reasons for Claim Denial
  376. Tips To Prevent a MetLife Disability Benefit Denial
  377. How To Avoid A Lincoln Financial Disability Benefit Denial
  378. How Long Does UNUM Long Term Disability Last?
  379. How Long Do You Have To Be Out Of Work To Apply for Disability?
  380. AIG American General Disability Benefits Overview & Tips to Get Approved
  381. Assurity Disability Benefit Overview and Legal Tips To Get Paid
  382. Northwestern Mutual Disability Benefit Lawsuit Expectations & Legal Tips
  383. Equitable Disability Claim Benefits Overview and Legal Tips
  384. How to Apply for Disability Benefits with Lincoln Financial
  385. Sun Life Disability Lawsuit & Benefit Denial Tips
  386. Guardian Disability Lawsuit & Benefit Denial Legal Options
  387. Mass Mutual Disability Lawsuit and Benefit Claim Denial Information
  388. Reliance Standard Disability Lawsuit and Claim Denial Options with a Disability Lawyer
  389. How Do I Ask My Doctor For Disability?
  390. Illinois Mutual Disability Income & Benefit Claim Denial Information, A Lawyer’s View
  391. Lincoln Financial Disability Lawsuit & LTD Benefit Denial Info
  392. Legal Help: Mutual of Omaha LTD Insurance Denial, Appeal & Lawsuits
  393. Do I Need a Lawyer for a Long Term Disability Claim?
  394. Can You Sue UNUM?
  395. Canada Life Assurance & Great West LTD Benefit Info You Must Know
  396. How Long Does Long Term Disability Take to Process?
  397. Dearborn Group Disability Benefit Claim Tips
  398. Is It Hard To Get Approved For Long Term Disability Insurance?
  399. An Overview of Guardian Disability Insurance Claims
  400. How Do I Qualify for Disability Insurance Benefits?
  401. Why Are Sun Life Disability Claims Difficult?
  402. How Does UNUM Define Disability?
  403. Reliance Standard Disability Overview of Denials, Appeals, Applications & Lawsuits
  404. Do I Have to Quit My Job Before Applying for Disability?
  405. Does Hartford Pay Disability Insurance Claims?
  406. When Should You Hire A Disability Attorney?
  407. Top 5 Causes of Disability Insurance Claims
  408. What is the Difference Between a Disability Insurance Lawyer & a Social Security Disability Lawyer?
  409. Denied LTD Benefits by The Standard? Lawyer Tips to Win an ERISA Appeal
  410. Tips: Filing A Principal Disability Benefits Appeal After LTD Denial
  411. Hartford Disability Claim Help - Attorney Tips
  412. Lawyer Overview of Lincoln Financial Disability Denials, Appeals, Applications & Lawsuits
  413. How Does Hartford Long Term Disability Work?
  414. What Happens If My Hartford Short Term Disability Claim is Denied?
  415. How Long Does a Hartford Short Term or Long Term Disability Claim Last?
  416. Lawyer Tips for UNUM Disability Insurance Benefits Claim Approval
  417. Private Disability Insurance Claim Denial Options
  418. What Does the New York Life Insurance Company Buyout of Cigna Mean for Policyholders?
  419. How To Protect Against a Prudential Disability Benefit Denial
  420. Tips To Prevent Hartford From Denying Your Disability Benefits
  421. What To Expect In a UNUM Disability Lawsuit After a LTD Denial
  422. How Does Unum Evaluate a Claim for LTD Insurance Benefits?
  423. Applying for Prudential Disability Benefits? Top 5 Reasons for a Denial
  424. Lawyer Tips for a MetLife Disability Denial, Appeal & Lawsuit
  425. Attorney Tips for Hartford & Aetna Disability Denials, Appeals & Lawsuits
  426. Legal Tips For Applying For Hartford Disability Insurance Benefits
  427. Prudential Disability Claim Overview Tips From Disability Lawyers
  428. How To Apply For MetLife Short & Long Term Disability Insurance Benefits
  429. Legal Tips for The Standard Disability Lawsuits & Claim Denial from Disability Insurance Lawyers
  430. Help for Prudential Disability Benefit Denial & Lawsuit
  431. Help From Attorneys for Ohio National Claims: Denials, Appeals & Lawsuits
  432. Help & Tips for a Sun Life ERISA Disability Appeal
  433. Denied by Metlife? Lawsuit & Claim Denial Tips For a Metlife Disability Insurance Appeal
  434. Hartford - Aetna Lawsuit & Denial Tips. What to Do After You have Been Denied Disability Benefits.
  435. Help for claimants with a Lincoln Financial or Liberty Mutual Appeal for Disability Insurance Denial
  436. Berkshire Life - Guardian Life Disability Appeal Tips for Disability Insurance Denials
  437. Cigna & New York Life Strategies & Tips for a Disability Benefit Lawsuit After an Appeal Denial
  438. Denied by Metlife? Tips from Disability Insurance Attorneys for ERISA Disability Appeal Claim Help
  439. Lloyds of London Athlete and Business Professional Disability Benefit Claim Help, Denials, Lawsuits
  440. Prudential Long Term Care Claims
  441. How to File a Reliance Standard Disability Appeal Following a Long Term Disability Benefit Denial
  442. Why are the duties of my pre-disability occupation important when seeking LTD benefits?
  443. Should I Let My Doctor Be Interviewed by the Disability Insurance Company?
  444. Lincoln Financial Disability Appeal Tips and Claim Help for a Disability Benefit Denial
  445. Prudential Disability Appeal Claim Help for a Disability Denial
  446. UNUM Disability Appeal Strategy for a Disability Benefit Denial
  447. ERISA Disability Lawsuit Challenges
  448. Cigna Disability Appeal Tips Following Disability Benefit Denial
  449. Attorney Alex Palamara Wins Aetna Long Term Disability Appeal for Woman with Brain Injury
  450. How to Prepare and Tips for Attending A Disability Insurance Medical Exam (IME)
  451. Hartford Disability Insurance Appeal Do’s & Dont's
  452. What are the remedies in an ERISA long term disability benefit lawsuit?
  453. How To Prepare A Unum Disability Appeal With A Lawyer
  454. Can I collect disability insurance benefits if my professional license is suspended?
  455. Lincoln National disability denial reversed for failure to review SSDI approval
  456. Engineer wins long term disability benefits lawsuit against Prudential
  457. UNUM denies disability benefits after 9 years for woman with Fibromyalgia and Court reverses
  458. Court reverses Aetna denial of disability benefits for a Southwest Airlines employee
  459. Tennessee Court Reverses UNUM Denial for a 59 year old Woman with Fibromyalgia
  460. WalMart employee wins disability benefit claim in Arkansas District Court & loses on Appeal
  461. Some disability insurance lawyers file ERISA lawsuits that are pointless
  462. Change of disability definition used to deny long term disability benefits
  463. Can I get around a pre-existing condition limitation in a disability policy?
  464. Dental assistant wins disability lawsuit in Oklahoma Against Aetna
  465. MetLife ignores its own doctors finding of radiculopathy & Court remands long term disability denial
  466. Will the new ERISA disability regulations help disability claimants?
  467. Prudential Pays Disability Benefits For 12 Years, Then Denies Based On Neuro-Psych Report
  468. New ERISA Disability Law Helps Claimants To Level The Playing Field During Appeal
  469. Disability Companies Challenge Cancer Long Term Disability Claims
  470. Aetna Pre-Existing Condition Disability Denial Reversed By Massachusetts Federal Judge
  471. Unum Motion To Deny Disability Benefits To OB-GYN Denied By Tennessee Judge
  472. Timing Is Critical In Filing A Long Term Disability Lawsuit Against Hartford
  473. Disability Attending Physician Statements Are Biased Toward Claim Denial
  474. California Judge Reverses MetLife Disability Benefit Denial Due To Neuromusculoskeletal Limitation
  475. Aetna Denial Of Disability Benefits For Boeing Employee With MS Reversed By Washington Federal Court
  476. Can I Work And Collect Disability Insurance Benefits?
  477. Cigna Disability Benefit Denial Reversed For Woman With EDS Syndrome
  478. Prudential Disability Denial For Chronic Headaches Reversed By California Judge
  479. Reliance Standard Disability Denial Reversed For Claimant With Fibromyalgia & CFS
  480. Two Disability Lawsuits Against UNUM & Court Awards Benefits To Claimant Without Diagnosis
  481. A Disability Lawyer's View Of The Largest Disability Insurance Companies
  482. An Amazon Long Term Disability Insurance Claim Against Aetna
  483. Disability Insurance Challenges For Doctors That Work While Disabled
  484. Washington Court Orders Hartford To Pay Long Term Disability Benefits After Wrongful Denial
  485. Trinity Health Care Registered Nurse Wins Cigna Long Term Disability Appeal
  486. Dell & Schaefer Wins MetLife ERISA LTD Appeal After Prior Lawyer Rejects Claim
  487. Stephen Jessup Wins Hartford Appeal For HR Director With Rheumatoid Arthritis
  488. Lincoln Financial Approves Disability Benefits after 2nd Appeal For Woman With Multiple Sclerosis
  489. Aetna Denies LTD Benefits To Software Engineer With Cognitive Difficulties Following A Stroke
  490. Alex Palamara Wins Long Term Disability ERISA Appeal Against Mutual of Omaha
  491. Metlife Denial Of Long Term Disability Benefits For Heart Disease Claimant Is Reversed
  492. California Court Reverses Sunlife Disability Denial For Woman With Fibromyalgia
  493. Is The Hartford Disability Purchase Of Aetna Bad For Aetna LTD Policy Holders?
  494. Neck Pain And Long Term Disability Insurance Claim Help
  495. Lincoln Financial Denial Of LTD Benefits After Paying For 9 Years Is Reversed On Appeal
  496. Back Pain And Long Term Disability Insurance Claims
  497. LTD Claim Approved By Lincoln For Former Bioment, Inc Employee Suffering From Meniere's Disease
  498. Substance Abuse Disability Insurance Claims For Doctors
  499. Why Is It Important Not To Rush Your ERISA Disability Appeal?
  500. Northwestern Mutual Long Term Disability Claim Tips
  501. Why Its Important To Hire A Lawyer For A MetLife Disability Claim
  502. The Standard Insurance Company Long Term Disability Benefit Claims, Denials, Appeal and Lawsuit Help
  503. Disability Attorneys Dell & Schaefer Free Consultation Video
  504. Disability Insurance Current News and Information
  505. Prudential Long Term Disability Denial Reversed for IT Professional with Cancer
  506. Disability Management Services Long Term Disability Claims
  507. Colorado Court Reverses Cigna Disability Denial of Geico Employee
  508. Reliance Standard Denial of Disability Benefits for an Attorney Reversed by Kansas Judge
  509. Principal Life Wrongfully Denys LTD Benefits to Truck Driver After Change of Definition
  510. Cognitive Dysfunction and Disorders in Long Term Disability Claims
  511. Disabling Conditions and Long Term Disability Benefit Information
  512. Court Rules That First UNUM Cannot Extend Disability Appeal Review Indefinitely
  513. Court Overturns Mutual of Omaha's Denial of Benefits
  514. Nurse Wins Lawsuit Against United of Omaha Life Insurance Company
  515. Court Criticizes Mutual Of Omaha & Rules on the Side of Policy Holder
  516. Disability Insurance Attorneys Dell & Schaefer Live Stream
  517. Attorneys Dell & Schaefer Client Testimonials
  518. Disability Insurance Company Reviews and Information
  519. UNUM ERISA Disability Lawsuits
  520. When is the best time to file for STD or LTD disability insurance benefits?
  521. Cigna ERISA Disability Benefit Lawsuits
  522. Prudential ERISA Disability Lawsuits
  523. MetLife Relationship with Brighthouse Financial
  524. Metlife Disability Field Interview Request Are On The Rise
  525. Minnesota Judge Reverses Hartford Disability Benefit Denial
  526. Unum Denies LTD Benefits to Pharmacist on Narcotics and Oklahoma Court Reverses
  527. Liberty Mutual Wrongfully Denies Disability Benefits for a Pediatrician with Depression
  528. Aetna Insurance Denies Disability Benefits to Fed-EX Employee Approved for SSDI Benefits
  529. Liberty Mutual Disability Denial Reversed For Failure To Consider Proper Occupation
  530. Hartford Disability Company Field Interview Request And Video Surveillance Usage
  531. Back Pain is one of the top reasons for filing a LTD Insurance Claim
  532. Cognitive Disorder & Neuropsych Testing In Long Term Disability Insurance Claims
  533. Standard Insurance Company Ordered By Judge To Pay LTD Benefits For Multiple Reasons
  534. Blue Cross Blue Shield LTD Denial Reversed For Failing To Give Weight To FCE Exam
  535. We Win Long Term Disability Appeal Against Cigna For Cardiac Cath Technician
  536. Can I Volunteer And Still Receive Long Term Disability Insurance Payments
  537. Liberty Mutual Of NY Disability Benefit Denial Reversed After Two Denials In One Year
  538. What Happens if I File My Long Term Disability Claim Late?
  539. Attorney Alex Palamara Secures Standard Long Term Disability Benefits For DC Police Officer
  540. Your Doctors Failure to Document All of Your Complaints Can Result in Denial of LTD Benefits
  541. How Important Is The Support Of My Doctor In Obtaining Disability Insurance Benefits?
  542. Are Functional Capacity Exams (FCE) in Long Term Disability Claims Good or Bad?
  543. Doctor Support Is Essential In A Disability Insurance Claim
  544. Disability Company Medical File Reviews By Hired Gun Doctors Are A Sham
  545. Beware of Disability Insurance Company Interview Request At Your Home
  546. Unum Disability Company Forced to Extend Disability Insurance Coverage to Doctor
  547. Long Term Disability Lump Sum Buyout or Settlement Information
  548. If I'm fired from my job can I still file for LTD insurance benefits?
  549. Disability insurance companies have to consider Social Security disability benefit award
  550. Disability Insurance Claims Is What Our Lawyers Do
  551. Fibromyalgia: Are Courts Starting To Favor Long Term Disability Claimants?
  552. Do I Have To File An ERISA Appeal Of A Disability Insurance Denial Before I Can File A Lawsuit?
  553. What Is The Administrative Record In An ERISA Disability Appeal?
  554. Can I Add To My Claim File After An Insurance Company Enters A Final Denial Of Benefits?
  555. If My Short Term Disability Claim Is Denied Do I Need To File A Separate Long Term Disability Claim?
  556. What Can I Do When The Insurer Fails To Make A Decision On My Appeal Within The Required Timeframe?
  557. Who Makes The Decision To Deny A Long Term Disability Insurance Claim?
  558. How Important Is The Support Of My Treating Physician?
  559. How Often Does A Disability Insurance Company Expect A Disability Claimant To Treat With A Doctor?
  560. How Can A Disability Insurance Company Deny My Claim If My Doctor Hasn't Returned Me To Work?
  561. If I Am A Physician Claiming Long Term Disability Can I Treat Myself?
  562. If I Can Not Afford Medical Treatment Can I Still Collect Disability Insurance Benefits?
  563. Can My Insurance Carrier Deny My Benefits Even If There Is No Change In My Medical Condition?
  564. Is A Claimant's Complaints Of Pain Enough To Qualify For Short Or Long Term Disability Benefits?
  565. What Are My Options If My Long Term Disability Insurance Claim Has Been Denied?
  566. Does Having A Disability Insurance Attorney Raise A Red Flag?
  567. What Can I Do If The Disability Insurance Company Is Delaying Disability Payments?
  568. Can A Disability Attorney Manage All Aspects Of My Disability Insurance Claim?
  569. Why Is It Important To Hire A Disability Attorney Experienced With ERISA Disability Claims?
  570. Can I Hire A Disability Lawyer to Help with my ERISA Appeal?
  571. An ERISA Long Term Disability Appeal Is Challenging
  572. Aetna Long Term Disability Lump Sum Buyout or Settlement
  573. Our Lawyers Help Great West Life Disability Insurance Claimants
  574. Appropriate Medical Doctor is Key to Long Term Disability Approval
  575. Metlife Long Term Disability Lump Sum Buyouts
  576. Is it Legal for A Disability Insurance Company to Force A Social Security Disability Application
  577. Attorneys Dell & Schaefer 2016 Halloween Costume Contest
  578. Hartford Disability Claim Problems
  579. Clinton and Trump Agree that Disability Insurance Companies are Bad
  580. Physical and Mental Disabilities: Can Disability Benefits Be Limited?
  581. Common Issues with Total v. Residual Disability Benefit Claims
  582. Cigna Disability Benefit Denial Won on Appeal by Alex Palamara
  583. Lloyd's of London Long Term Disability
  584. Dentist Disability Benefit Claim Information Video
  585. Ameritas Disability Benefit Claim and Denial Help
  586. Prudential Disability Benefit Denials Are Common
  587. New York Life Disability Denial Claim Help
  588. Sun Life Disability Denial Reversed on Appeal
  589. Liberty Life Disability Denial Claim Help
  590. Principal Disability Benefit Claim, Denial, Appeal and Lawsuit Information from Disability Lawyers
  591. Mutual of Omaha Reverses Long Term Disability Benefit Denial
  592. Northwestern Mutual Disability Denial Lawyer Help
  593. Hartford Denies Disability Claim After 7 Years of LTD Payments
  594. Unum Disability Benefit Denial Trends, A Legal Perspective
  595. Aetna LTD Denial Reversed for Failure to Address Medication Side Effects
  596. Disability Attorneys Dell & Schaefer Legal Services
  597. Aetna Disabilty Denial to Woman With MS Reversed Following ERISA Appeal
  598. Hartford Disability Appeal Won by Lawyer Alex Palamara
  599. Prudential Disability Insurance Claim Trends, Lyme Disease and Neck Disorders
  600. Metlife Disability Insurance Claim Information From Lawyers
  601. A Disability Lawyers' View of Cigna Disability Claim Handling
  602. Mass Mutual Long Term Disability Claim Information
  603. What To Expect At An IME Exam Requested By The Hartford
  604. Disability Insurance Benefits For Mental Disorder Claims
  605. Disability Insurance IME Exams Are on the Rise
  606. Hartford Disability Denial At Any Occupation Stage Reversed
  607. Lincoln Financial Group Disability Insurance Claim Trends
  608. Private Disability Insurance Benefit Denial Legal Options
  609. ERISA Disability Benefits Lawsuits - What You Must Know
  610. Does It Matter Who Pays My Disability Insurance Premiums?
  611. Is There A Time Limit To File An ERISA Disability Lawsuit?
  612. Your ERISA Disability Benefit Appeal Must Include Everything
  613. Can I Get Unemployment and Disability Insurance Benefits?
  614. Watch Out For a Disability Benefit Denial Strategy Used By Cigna Insurance Co.
  615. The Standard: What To Expect With A Long Term Disability Benefit Claim
  616. Is Unum Denying More Disability Benefit Claims Than Usual?
  617. Applying for short or long term disability insurance benefits should not be done alone
  618. Fibromyalgia and Chronic Fatigue Disability Benefit Legal Update
  619. Guardian Life Disability And What To Expect When Seeking Disability Benefits
  620. Jackson National Disability Insurance Claim Help Video
  621. Tips About a Unum Medical Examination in a Disability Benefit Claim
  622. Prudential Disability Insurance Buyout or Lump-Sum Settlement
  623. Beware of Mental Nervous Limitations in Long Term Disability Benefit Policies?
  624. Important Steps to Take for an ERISA Disability Benefit Appeal
  625. Are Attorney's Fees Recoverable in an ERISA Disability Denial Case?
  626. Business Overhead Expense Disability Insurance Claim Information Video
  627. Third Party Administrator Role in Disability Insurance Claims
  628. PTSD Long Term Disability Insurance Claim Information
  629. Aetna Long Term Disability Claim Denial Information
  630. Hartford Disability Settlement and Lump Sum Buyout Help
  631. Cigna Lump Sum Buyout & Settlement Disability Claim Assistance
  632. What is an Attending Physician Statement and how should it be completed?
  633. Chronic Pain And How it Relates to Disability Insurance Claims For Long Term Benefits
  634. Can the disability insurance company call my doctors without telling me?
  635. Attorney Alex Palamara wins disability appeal against Cigna for Lockheed Martin employee
  636. Peripheral Neuropathy Disability Insurance Benefit Tips from Disability Lawyers
  637. HIV or AIDS Disability Insurance Benefits Claim Information
  638. Bipolar Disorder - Disability Insurance Benefit Tips from Disability Insurance Lawyers
  639. Lupus Disability Insurance Benefit Claim Information
  640. Disability Insurance Benefits Information For People with Diabetes
  641. Eye / Visual Disorder Disability Insurance Benefit & Claim Information
  642. How often can my disability insurance company require a Claimant Statement?
  643. Disability Insurance Claim Co-Counsel for Lawyers and Attorneys Nationwide
  644. Ohio: How Can A Disability Insurance Attorney Help Me To Collect STD or LTD Benefits?
  645. North Carolina: How Can A Disability Lawyer Help With A Disability Claim?
  646. Broadspire Disability Insurance Claim and Denial
  647. Hartford Disability Insurance Denials and Lawsuits Appear to Be On the Rise
  648. New Jersey: Disability Insurance Lawyers Helping Disability Claimants Nationwide
  649. Cigna Disability Claim Review and Assessment Appears to Have Started?
  650. Arizona: Disability Lawyer Wants You to Know that Disabilty Benefit Denial Help Is Available
  651. Disability Lawyers Helping Insurance Claimants in Georgia & Nationwide with LTD Benefits
  652. Indiana: Our Disabilty Insurance Lawyers Help People With Disability Benefits Nationwide
  653. Massachusetts Disability Attorney Helps Claimants Denied Disability Benefits Nationwide
  654. Michigan: A Disability Lawyer Helps Insurance Claimants With Long Term Disability Benefits
  655. Virginia: A Disability Lawyer Helps Disability Insurance Claimants At All Stages
  656. Washington: Disability Lawyer Help With Disability Insurance Benefits Nationwide
  657. Pennsylvania - A Disability Lawyer Helping Insurance Claimants Nationwide
  658. Texas Disability Lawyer Helping Disability Insurance Claimants Nationwide
  659. New York Disability Insurance Lawyer - LTD and ERISA Disability Benefits
  660. Disability Benefit Lawyers Helping Disability Claimants in Illinois and Nationwide
  661. Great-West Life Assurance Company - Disability Insurance Claim & Denial
  662. Hartford Disability Denial of Woman with Sjögren's Syndrome Reversed by California Court
  663. 24 Month Self Reported Symptoms Limitation in Unum Disability Policy Case Study
  664. Prudential and Liberty Life Reverse Disability Benefit Denial for Two Stroke Victims
  665. A Mental Health Limitation disability benefit denial by Principal Financial after 24 months
  666. Cognitive Limitations Create Difficult Issues In Obtaining Disability Insurance Benefits
  667. Malingering and Disability Insurance Claims - What Does It Mean?
  668. OB/GYN Resolves Unum Long Term Disability Claim With Confidential Settlement
  669. Free Legal Consultation with Disability Attorney Dell & Schaefer
  670. Tips For Doctors Seeking Long Term Disability Insurance Benefits, Application & Denial
  671. Bad Faith Disability Claim Denial and Lawsuits
  672. Tips for handling a denial of a Waiver of Life Insurance Premium due to a disability
  673. Has Trustmark Disability Advisors Requested An Interview About Your Disability Claim?
  674. Legal Representation During Your Disability Insurance Claim By Disability Insurance Attorneys
  675. Long Term Disability Insurance Application Process for Doctors, Surgeons & Dentists
  676. Disability Attorneys Dell & Schaefer Help Disability Insurance Claimants Nationwide
  677. Prudential Disability Insurance Claim Denials Resulting In Lots of Appeals & Lawsuits
  678. Parkinsons Disease Long Term Disability Claims Information & Help
  679. Cancer Long Term Disability Claim Video
  680. Will The Cigna Disability Insurance Settlement Agreement Cost Cigna $77 Million?
  681. Cigna Disability Regulatory Settlement Agreement for Pennsylvania Residents
  682. Cigna Disability Agreement for Massachusetts Residents Video
  683. Cigna Disability Insurance Settlement for Maine Residents Informational Video
  684. Cigna Long Term Disability Agreement Info for Connecticut Residents Video
  685. Cigna and California Department of Insurance Long Term Disability Settlement Agreement
  686. Cigna / LINA Long Term Disability Insurance Settlement Agreement Information
  687. Rheumatoid Arthritis Long Term Disability Claim Tips
  688. Irritable Bowel Syndrome Long Term Disability Claims
  689. Osteoarthritis Long Term Disability Claim
  690. Crohn's Disease Long Term Disability Claim
  691. Menieres Disease Long Term Disability Claim
  692. Chronic Fatigue Syndrome Long Term Disability Claim Information
  693. Knee Disorders Long Term Disability Claims Help & Information
  694. Shoulder Disorders Long Term Disability Insurance Claim Help & Information
  695. Stroke Long Term Disability Claims Information & Help
  696. Headaches & Migraines Disability Insurance Claim Help & Information
  697. Heart Disease Disability Insurance Claim Information & Help
  698. Lyme Disease Long Term Disability Insurance Claim Tips
  699. MS / Multiple Sclerosis Disability Insurance Claim Help & Information
  700. Fibromyalgia Disability Insurance Claim Help & Information
  701. Depression & Anxiety Disability Insurance Claim Help & Tips
  702. Disability Insurance Claims Dealing with Neck Pain and Disorders
  703. Insomnia Disability Insurance Claim Information & Tips
  704. Sleep Apnea & Long Term Disability Insurance Claim Tips
  705. Carpal Tunnel Short & Long Term Disability Insurance Claim Tips
  706. Reassure America Disability Insurance Claims, Benefit Denials & Lawsuits
  707. An American United Life Insurance Company Disability Lawsuit
  708. Assurity Life Insurance Company - Disability Insurance Lawsuits Information
  709. Boston Mutual Life Insurance Company Disability Claim Tips
  710. Companion Life Insurance Company Uses Video Surveillance to Deny Disability Benefits
  711. Dearborn National Fights to Deny Disability Insurance Benefits
  712. New York Life Disability Insurance Denial is Reversed
  713. Reliastar & ING Disability Benefit Claims, Denial, Appeals and Lawsuit Claim Tips from Lawyers
  714. Helping People with Disability Claims Handled By Trustmark Disability Advisors Video
  715. Monarch Insurance Company Disability Claims & Lump Sum Buyouts
  716. UNUM Lump Sum Settlement / Disability Lump Sum Buyout
  717. The Standard Insurance Company - Disability Buyout or Lump Sum Offer?
  718. Aetna Ordered To Pay Attorney Fees Following Denial of Disability Benefits
  719. Liberty Mutual Denial of Disability Benefits to Allstate Employee is Reversed
  720. Hartford Insurance attempts to dismiss disability insurance lawsuit claiming Statute of Limitations
  721. Inexperienced ERISA disability attorney ordered to pay $4,000 to Prudential Insurance Company
  722. Prudential Disability Insurance Benefit Denial Not Subject to 24 Month Mental Nervous Limitation
  723. Union Central Insurance Disability Benefit Application, Appeal, Denial, Lawsuit, Claim
  724. Mutual of Omaha - Disability Insurance Benefit Denials, Appeals, Lawsuits & Claims
  725. Assurant or Union Security Disability Benefit Appeal, Denial. Lawsuit, and Claim
  726. AIG Disability Insurance Claim, Denial, Appeal and Lawsuit Information
  727. Disability Insurance Claim Tips For Disabling Back & Lumbar Pain
  728. Aetna Claim Denial Reversed After Aetna Disability Appeal Submission
  729. AXA Equitable Disability and DMS Disability Insurance Help From Lawyers
  730. If my social security disability claim was denied will my disability insurance claim be denied?
  731. Reliance Standard Disability Insurance Claim Denial ERISA Appeal Tips
  732. 3 Important Steps to Take Following a CIGNA / LINA Disability Denial
  733. Attorney Gregory Dell - A National Disability Insurance Attorney
  734. Hartford Disability Lawsuit and Appeal of A Disability Insurance Denial
  735. Dell Disability Lawyers: Representing Disability Insurance Claimants Nationwide
  736. A disability insurance claim caused by a pain disorder is not a depression disability claim
  737. Unum Disability Denial & Appeal Tips
  738. Attorneys Dell & Schaefer's Commitment To Our Clients
  739. Disability Insurance Attorneys Dell & Schaefer, Helping The Disabled Since 1979
  740. Three Important Things to Consider When Applying for Disability Insurance Benefits
  741. Disability Attorney Gregory Dell Appears on the Ed Tyll Radio Show
  742. Aetna Disability Benefit Denial for Former Boeing Employee is Upheld by Appeal Court
  743. Cigna Disability Insurance Denial to Woman with Sjogren's Disease
  744. Aetna Disability Insurance Denial of a Boeing Employee Results in Bankruptcy
  745. MetLife Request for a Disability Insurance IME Exam Denied By California Judge
  746. Hartford Disability Benefit Denial - Three Important Tips From A Disability Attorney
  747. Important Steps to Take If Aetna Has Denied Your Disability Insurance Benefits
  748. What relationship does UNUM have with hired doctors in disability insurance claims?
  749. Hiring A California Disability Attorney For A Disability Insurance Claim or Denial is Important
  750. CIGNA Ordered To Pay Disability Insurance Benefits Beyond 24 Month Mental Nervous Limitation
  751. Principal Financial Group - Disability Insurance Claims, Denials & Lawsuits Help
  752. Resolved Disability Insurance Cases by Attorneys Dell & Schaefer
  753. Frequently Asked Questions About Disability Insurance Claims
  754. Things to Expect if Your Disability Insurance Claim was Denied and a Lawsuit Must be Filed
  755. Attorneys Dell & Schaefer: Legal Representation For Disability Insurance Claims
  756. Like Our Facebook Page and Lets Protect Your Disability Income Benefits
  757. SSDI Approval Does Not Mean LTD Disability Insurance Benefits Will Be Paid
  758. Liberty Mutual Relies On Video Surveillance to Deny Disability Benefits
  759. Hartford Has Some Sneaky Disability Claim Handling Practices
  760. Residual Disability Insurance Claims and Applying For Disability Benefits
  761. Accident vs. Sickness Provision in Disability Insurance Policy Requires Immediate Attention
  762. Sedgwick Ignores Medical Records and Denies Disability Benefits
  763. Disability Insurance Denial and ERISA Appeal Deadlines Prior to Lawsuit
  764. Top 5 Reasons for Disability Insurance Denial
  765. ERISA Disability Appeal - 5 Reasons You Should Have A Disability Attorney
  766. SunLife Insurance Company Lump-Sum Benefit Buyout Offers
  767. Is it safe for a disability claimant to be on Facebook or other social media?
  768. Illinois Mutual Disability Insurance Claim & Denial Attorneys
  769. Social Security Disability Offsets in Disability Insurance Claims
  770. Reliance Standard Life Insurance - Disability Benefit Claim Attorneys-Appeals, Lawsuits and Claims
  771. Lincoln Financial Group and Jefferson Pilot Corporation Disability Claims
  772. Ohio National Life Insurance Company - A Disability Attorney's View
  773. Sedgwick Disability Benefit Claims
  774. Aetna Disability Insurance Claims - A Disability Attorney's View
  775. Deposition of Insurance Co. Employee in a Disability Insurance Benefits Denial Lawsuit (Ep. 19)
  776. Disability Insurance Adjuster Meets With His Supervisor
  777. Mr. Disability: A Warning for Disability Insurance Claimants
  778. Who Makes The Final Decison To Approve Or Deny Disability Insurance Benefits? (Ep. 17)
  779. A Senator's View of ERISA Disability Insurance Claims (Ep. 20)
  780. Beware of Hired Gun Doctors in Disability Insurance Claims (Ep. 23)
  781. A Federal Judge's Perspective on ERISA Disability Insurance Claims (Ep. 21)
  782. Don't Handle Your Disability Insurance Claim Without An Attorney
  783. An ERISA Appeal for Disability Insurance Benefits Must Be Perfect
  784. Free Pain Journal Provided by Disability Insurance Attorneys Dell & Schaefer
  785. Should I Stop Paying My Disability Insurance Premiums Even Though My Claim Decision Is Pending?
  786. 10 Reasons ERISA is an Unfair Law for Disability Insurance Claimants (Ep. 15)
  787. How Can One Disability Company Approve My Claim But My Other Disability Company Has Denied My Claim?
  788. Lloyds of London Disability Insurance Claims
  789. Northwestern Mutual Insurance Disability Claims
  790. Do disability insurance companies deny all claims for disability benefits?
  791. Application Process for Short and Long Term Disability Insurance Benefits
  792. 10 Things To Expect When Your Disability Insurance Company Asks For An IME Exam (Ep. 16)
  793. Will the Disability Insurance Company Pay My Doctor to Complete an Attending Physician Statement?
  794. If I can not afford medical treatment can I still collect Disability Insurance Benefits?
  795. Do I have to sign the social security reimbursement agreement requested by the disability company?
  796. If I Am Approved for Social Security Benefits Does That Mean My Disability Claim Will Be Approved?
  797. How Does Workers Compensation Benefits Affect a Claimant's Disability Insurance Benefits?
  798. What is a Functional Capacity Exam (FCE) & Should I Go to an FCE?
  799. What Does Payment of Disability Benefits Under "Reservation of Rights" Mean?
  800. Can I Earn Money While I Collect Long Term Disability Benefits?
  801. What Are the Most Common Disabling Conditions for a Long Term Disability Claim?
  802. What Type of Doctor Should I Be Treating With in Order to Claim Disability Benefits?
  803. If I Am Physician Claiming Long Term Disability Can I Treat Myself?
  804. Unum / Provident / Paul Revere Long & Short Term Disability Claims (Ep. 13)
  805. MetLife Disability Denial Reversed By Court For Unreasonable Claim Handling (Ep. 14)
  806. Do I Have to File an Appeal Before I Can File a Lawsuit?
  807. What should you do when the disability insurance company does not respond to your ERISA Appeal?
  808. Why Does the Disability Insurance Company Request My Tax Returns?
  809. Can My Disability Claim Be Denied if My Doctor Has Not Released Me to Return to Work?
  810. Can I receive disability benefits while my appeal or lawsuit is pending?
  811. How Long Will I Receive Disability Benefits Once My Disability Claim is Approved?
  812. Should I Return the "Medical Authorization Release" Form to the Disability Insurance Company?
  813. Can I Sue My Long Term Disabilty Insurance Company for Bad Faith or Punitive Damages?
  814. Why should I hire a disability attorney to submit my ERISA Appeal?
  815. How Do I Determine My Date of Disability for a Long Term Disability Insurance Claim?
  816. What Are Self Reported Condition Limitations in a Disability Insurance Policy?
  817. Can My Long Term Disability Claim Be Denied for a Pre Existing Condition?
  818. What Is a Residual Disability Income Claim?
  819. Can I Do Volunteer Work While I Am Collecting Disability Benefits?
  820. Am I Required to Have Surgery in Order to Collect Long Term Disability Benefits?
  821. How Often Is a Disability Claimant Expected to Treat With a Doctor?
  822. The 5 Most Common Reasons for a Disability Insurance Claim Denial
  823. Mass Mutual Financial Disability Insurance Claims (Ep. 11)
  824. Liberty Mutual Long Term & Short Term Disability Insurance Claims (Ep. 12, part 2)
  825. Liberty Mutual Long Term & Short Term Disability Insurance Claims (Ep. 12, part 1)
  826. Sun Life Financial Disability Insurance Claims (Ep. 10, part 2/2)
  827. Sun Life Financial Disability Insurance Claims (Ep. 10, part 1/2)
  828. Guardian & Berskhire Life Long Term Disabilit Insurance Claims (Ep. 9)
  829. MetLife Disability Insurance Company (Ep. 7, part 1/2)
  830. Prudential Long Term Disability Insurance Claims (Ep. 8, part 2/2)
  831. Prudential Disability Insurance Company (Ep. 8, part 1/2)
  832. MetLife Disability Insurance Company (Ep. 7, part 2/2)
  833. Never Speak to Disability Insurance Company Without an Attorney
  834. IME doctors MAY NOT be independent
  835. Beware of Outside IME Companies Hired by Disability Insurance Companies
  836. Disability Insurance Co. Interview Request FAQ #2
  837. Disability Insurance Company Interview Request FAQ #1
  838. Disability Insurance Independent Medical Exams (IME) FAQ #5
  839. Disability Insurance Independent Medical Exams (IME) FAQ #4
  840. Disability Insurance Independent Medical Exams (IME) FAQ #3
  841. Disability Insurance Independent Medical Exams (IME) FAQ #2
  842. Disability Insurance Independent Medical Exams (IME) FAQ #1
  843. IME Exams Requested By Disability Insurance Companies Can Be Dangerous (Ep. 4, part 2/2)
  844. IME Exam Requested By Disability Insurance Companies Can Be Dangerous (Ep. 4, part 1/2)
  845. Beware of Interview Request By Disability Insurance Companies (Ep. 3, part 2/2)
  846. Beware of Interview Request By Disability Insurance Companies (Ep. 3, part 1)
  847. CIGNA Long-Term Disability Insurance Company (Ep. 6, part 2/2)
  848. CIGNA Long-Term Disability Insurance Company (Ep. 6, part 1/2)
  849. Hartford Disability Insurance Company (Ep. 5, part 2/2)
  850. Speak With a Disability Insurance Attorney Before You File Your Claim
  851. How Important Is the Support of My Treating Physician?
  852. What Types of Medical Conditions Are Most Commonly Challenged by Disability Insurance Companies?
  853. What Is a Lump Sum Buyout?
  854. How Do Disability Insurance Companies Calculate Lump-Sum Buyouts?
  855. Why Consider a Lump-sum Buyout of Your Disability Insurance Policy?
  856. Is ERISA a Fair Law for Disability Claimants?
  857. How Does an Individual Disability Claim Differ From an ERISA Group Disability Claim?
  858. How Do I Know if My Disability Policy is Subject to ERISA?
  859. Why Was ERISA Created?
  860. Are There Any Penalties if a Disability Insurance Company Violates ERISA?
  861. Who Are the Largest Private and Group Disability Insurance Companies?
  862. Time to File an ERISA Disability Appeal?
  863. What is the "any occupation" definition of disability?
  864. What is an "Own Occupation" definition of disability?
  865. Does Having a Disability Insurance Attorney Raise a Red Flag?
  866. Why Is It Important to Have a Disability Attorney When Applying for Disability Insurance Benefits?
  867. Why Are Disability Insurance Policies Difficult to Understand?
  868. Hartford Disability Insurance Company (Ep. 5, part 1/2)
  869. Disability Insurance Companies Love Video Surveillance (Ep. 2, part 1)
  870. Disability Insurance Companies Love Video Surveillance (Ep. 2, part 3/3)
  871. Disability Insurance Companies Love Video Surveillance (Ep. 2, part 2/3)
  872. Lump-Sum Disability Policy Buyouts
  873. ERISA Lawsuits & Trials
  874. ERISA Disability Insurance Appeals
  875. Group / ERISA Claim Denial
  876. Individual Disability Claim Denial
  877. Disability Insurance Attorneys Can Keep The Insurance Companies Honest
  878. Applying For Disability Benefits: Individual or Group Disability Policy
  879. Applying For Disability Insurance Benefits
  880. Services Offered By Disability Insurance Attorneys Dell & Schaefer
  881. Cesar Gavidia -A Nationwide Disability Insurance Attorney
  882. The Importance Of A Disability Insurance Attorney
  883. The Importance Of A Disability Insurance Attorney
  884. SSDI Benefits versus Long Term Disability Insurance Benefits (Ep. 1)
  885. What Is the Appeal Process if My Social Security Disability Claim Has Been Denied?
  886. How long do I have to be disabled before I can file a claim for Social Security disability benefits?
  887. Does Social Security Always Deny Disability Claimants the First Time They Submit a Claim?
  888. Does Social Security Disability Approve Claims That Are Based on Subjective Medical Conditions?
  889. Should I Allow My Disability Insurance Company to Interview Me in My Home?
  890. Video Surveillance FAQ #1
  891. Video Surveillance FAQ #4
  892. Video Surveillance FAQ #5
  893. Video Surveillance FAQ #3
  894. Video Surveillance FAQ #2
  895. How Does The Social Security Administration Determine If a Person Is Eligible for Social Security?
  896. How Often Does the Social Security Administration Evaluate a Claimant's Eligibility?

QUESTIONS

  1. How do I get my Dr. to give Voya more info backing his claim
  2. Prudential denied me STD due to a dr who wrote personal things about like I still drive
  3. Prudential is sending me to an IME but refuses to allow recording. Should I refuse to go to the IME?
  4. Will Mass Mutual pay my disability claim if I become disabled while on unemployment?
  5. Individual disability policy - mental disorder claim
  6. NYL LTD also have LLC
  7. Do I have an option after my appeal is denied?
  8. Can receiving a Unum group LTD benefit settlement lower my SSDI benefit?
  9. Can I submit my resignation while on STD with NY Life? I don’t know if I’ll be able to return when they want and I would rather give a 2 weeks notice.
  10. New York Life LTD offset my disabled adult child
  11. What kind of jobs are suitable for ANY OCC when I am an OB/GYN?
  12. What is the Statute of Limitations on ERISA claims in the State of California?
  13. My LTD lady was telling me I need to start looking for a job
  14. I am receiving short term disability, the math doesn't add up. My company is basing my pay on 36 hrs per week?
  15. Disability company dropped my monthly benefits
  16. The Hartford stopped monthly benefits for repayment due to an overpayment. Once monthly benefits end do I still have to repay remaining overpayment balance?
  17. If I am diagnosed with a condition 6 months into my policy, does this count as a "pre-existing condition" that won't ever be eligible for long term disability?
  18. I need help understanding what MMI means in my case. I also need help because I have also been diagnosed with PTSD related to my head injury from the same accident.
  19. Would I qualify for disability or other program following a planned layoff?
  20. Is my wife allowed to resign from her position without the resignation affecting her long-term disability benefits?
  21. Short term vs long term
  22. Does the insurance company have to use your income from the time of a promotion/raise until the date of injury, or can they go back 9 mos. if that’s in the policy?
  23. My daughter died in 2019
  24. After 3 months my LTD approval, insurance company stopped LTD payment during review of continuity and also have argument with insurance company regarding offset of my son's disabled adult child benefits
  25. Can I do anything to get my LTD ?
  26. If I had a subsequent, related injury two weeks after returning to work can the insurance company use the date of the second, injury which lowered my pre-disability earnings?
  27. My LTD company says I owe them money now
  28. Lifetime disability policy with Hartford?
  29. Can I get disability for severe Gastroparesis?
  30. Can the Hartford reduce my long term disability payment due to a rental income?
  31. Should I accept the buyout from Lincoln Financial? I have 7 days to decide.
  32. My father has been in STD Cigna and LTD with New York Life since Jan 2021, diagnosed Pulmonary Fibrosis due to Covid-19. Can insurance and ex job make him return to work?
  33. Do we have any legal action against Unum?
  34. Is it normal for “UNUM” to ask for a police report?
  35. My mother has a John Hancock Long Term Care policy. She is in an assisted living facility in the memory care unit. Her claim has been denied.
  36. When can I give notice to leave the company while on STD?
  37. Is there a specific video to help me prepare for a Hartford doctor appointment (IME)?
  38. Can I sue Metlife for non payment of approved claim?
  39. What is the best LTD policy to get?
  40. How does the disability provider look at a veteran that has multiple disabling conditions?
  41. Would a diagnosed condition of psoriatic arthritis qualify me for a LTD?
  42. Unum stopped my COLA benefits at age 65
  43. Survivor's benefits
  44. FMLA and my LTD claim
  45. Is the recipient responsible for overpayment when they had nothing to do with the reporting?
  46. How far behind in payments does Metlife have to be to take legal action?
  47. Change in Occupation
  48. Can a disability company record my phone calls?
  49. Can the LTD insurance company refuse to provide the claimant a copy of the IME report? If so what course of action can the claimant take to get a copy for their medical records?
  50. My employer terminated me while my LTD claim is being appealed by the Hartford. Does my appeals process get terminated as well?
  51. Orthopedic surgeon refuses to complete physicians statement form for my long term disability
  52. Do I have to sign agreement to pay back difference in LTD payment and SSDI payment?
  53. Can I sue the Hartford for something other than claim denial or outside of ERISA?
  54. Are VA disability payments considered “other income” by Reliance Standard?
  55. Does Metlife pay Disability payments ahead? Example: December payment is for January.
  56. Does UNUM periodically review Group Long Term Disability Insurance claims/payments? For example, do they verify medical eligibility every five or ten years?
  57. Unum is cross plan offsetting
  58. Is my wife being abused?
  59. Unum reduced my benefits
  60. Would any new disabling conditions be considered by Metlife when considering whether or not to continue my benefits?
  61. How do I manage the conflict between standard of care medicine and my approach to joint health and still win my LTD claim?
  62. Can I file for unemployment if I am on medical leave from my job and an ssdi application already submitted?
  63. Do I have to pay back LTD after receiving SSDI?
  64. Long Term Disability with Hartford - They are Stopping my Disability Benefits
  65. If not the SPD, what document contains the official documentation for my benefits?
  66. 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?
  67. 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?
  68. Do you work with NC State Teachers Long term disability claims?
  69. Using the policy date to cancel disability benefits 3.5 months premature to insureds 65th birthday
  70. Do you take Group Disability cases?
  71. LTD payment adjustment for cost of living?
  72. Retirement SS or Disabilty?
  73. If you get MRI on your back does that count as pre existing condition for back injury 8 months later?
  74. Wrongfully terminate my LTD claim, AND take my qrtly bonus....?
  75. Do I have a case for permanent disability?
  76. Do I have to pay Metlife all the money I got from them?
  77. I pay for extra disability pay but they won’t give it to me claiming comp benefits?
  78. Can I sue Unum for financial stress and emotional stress?
  79. Denied short term disability and need to file for long term with same insurer
  80. Disability claim - Terminated from job next day after asking for help due to disability
  81. Can NYLG just stop payment?
  82. What type of occupational related documentation is requested by the individual carriers when a salesperson files a claim?
  83. Phi violation
  84. Am I required to file for Social Security family/dependent benefits if I don't want to?
  85. Sedgwick denied my STD appeal, is there anything I can do to get my money back?
  86. 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
  87. 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?
  88. How can I avoid multiple offsets of my private DI policies by my SSDI amount?
  89. Why is Hartford asking for reimbursement?
  90. Bipolar on STD Hartford is LTD
  91. Knee replacement surgery - Short term disability denial
  92. What can I do about my long term benefits that's ending after 2 years?
  93. Where can I find a list of the definitions for an occupation on your website?
  94. MetLife: Mental Health and Physical Disabilities
  95. Symetra STD and LTD appeals process
  96. Unum discontinued the "long term Buy out option" in 2014. I was never aware of or informed of this action by Unum
  97. Non-taxable benefits have become taxable
  98. Can I lose my payment benefits if I invest in the stock market while disabled?
  99. 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?
  100. I was denied by Unum twice. What can I do?
  101. Mass Mutual Disability Insurance - Own Occupation Rider, for Dentist vs Other insurance Carrier
  102. Can I sue my disability company for causing me to get fired from job?
  103. Can my employer switch my job because I go on LTD?
  104. Can Principal deduct my social security payment from my monthly Principal disability benefit payment?
  105. Can I get both short term disability and work comp?
  106. Which state statutes apply: the state the insured resides in or the state where the disability policy was purchased?
  107. Do I have to sign the overly broad "AUTHORIZATION TO OBTAIN AND DISCLOSE INFORMATION" form from The Hartford LTD insurance company?
  108. 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?
  109. 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?
  110. Why can New York Life get away with not paying me anything for my disability?
  111. Will Reliance Standard reduce my LTD payments due to my pension benefits or rental income?
  112. 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?
  113. Do I have to be an active employee to apply for LTD?
  114. Can MetLife deduct the ssdi benefits I receive for my dependent kids from what they pay me?
  115. How Often Does Hartford Review My Disability Claim?
  116. Does Lincoln Financial apply offsets to all claimants equitably?
  117. Can New York Life refuse to give me a copy of my short term disability policy?
  118. Does payback to Lincoln Financial, once approved for SSDI, include the first year?
  119. Is LF's doctor, who never spoke with me or evaluated me, allowed to clear me for work?
  120. Who are the top companies you would recommend for a surgical specialist?
  121. Is child support arrears considered an income offset for Principal LTD?
  122. What can I do if Unum didn't pay for my injury?
  123. Can Prudential deny me if SSDI approves me?
  124. How do I ensure Standard makes a timely decision with regard to my claim?
  125. Is MetLife entitled to overpayment if they realized 15 years later?
  126. 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?
  127. 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?
  128. Do I have to sign and return MetLife's authorization to disclose my info in order to continue my claim?
  129. Is my plan governed by ERISA?
  130. Why can my employer hold my disability check after The Standard sends it to them? Can I file a grievance with them?
  131. Can LF discontinue my mental health benefits after 24 months?
  132. Can Aetna deny my application on the basis of pre-exisiting condition? Do they discriminate against the mentally ill?
  133. Do you work on a percentage, hourly, or lump sum basis? How much does hiring an attorney cost?
  134. Why did Principal not back me when Social Security did?
  135. How long does MetLife have to render a decision on my application for benefits?
  136. What is the difference between time period of the claim while approved and the time period of the claim while denied?
  137. Do you help with negotiating lump sum settlements of policies?
  138. 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?
  139. Is it too late to file a claim 8 years later?
  140. Why is Reliance Standard trying to recover payments I was awarded through another company?
  141. How does Prudential calculate attorney fees?
  142. 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? 
  143. 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?
  144. Can I ask for another appeal?
  145. Do I have to provide additional proof of my disability that's specifically requested by Reliance Standard?
  146. Should I contact you before submitting my application for a private disability benefit?
  147. 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?
  148. Is it possible to file for LTF for mental health (burn out) reasons?
  149. How Does Guardian Calcualutate my Long Term Disability Benefit?
  150. How long do I have to file my Guardian disability appeal?
  151. Do I have to tell Lincoln Financial that I was denied for SSDI?
  152. Can I sue my PRUDENTIAL LTD for the cost of hiring a disability attorney to get my benefits reinstated?
  153. I found out about my STD policy 120 days late. Can I do anything?
  154. Does my former employer owe me STD that he refused to pay earlier?
  155. Can MetLife cut my monthly benefits by my benefits received from social security?
  156. Will MetLife set me up on a payment plan if I have already spent my back pay from SSDI? Can they arrest me?
  157. Can I collect Social Security and Work Part-Time?
  158. Can MetLife remove my LTD claim from their web site?
  159. 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?
  160. How large of a fee is your service?
  161. Can SunLife offset dependent social security benefits received on account of my wife's disability?
  162. What do I do if LF denied my claim because depression is "mild, not severe"?
  163. If the insurance company admits to wrongfully stopping payments, do they owe me for those years? What if social security back paid me?
  164. How long will it take for MetLife to approve my LTD claim?
  165. Are there successful arguments to appeal Northwestern Mutual’s offset of claimant’s LTB by the amount of SSD benefits awarded?
  166. Does my former employee owe me for the remaining weeks of my STD?
  167. Can I add a physical disability claim to my mental health one without seeing a doctor (hard to get an appointment with COVID)?
  168. Can Lincoln Financial hold back disability check equal to the amount of the 2020 stimulus check? 
  169. Has Hartford been known to pay off doctors? 
  170. I'm in jeopardy of losing everything because of MOO. Can you help?
  171. Can my Long Term Disability extension be declined because my Social Security Appeal’s Process is pending?
  172. Do I have to pay back my STD and LTD after being approved for Widows SSD?
  173. Do you handle CIGNA cases in Florida?
  174. Do I have legal recourse if Lincoln Financial mispoke to me about the status of my claim?
  175. Can I take action to start getting regular payments from Unum?
  176. Can a chiropractor fill out the APS for The Hartford LTD claim?
  177. Before I present my appeal, can I acquire exams and conduct an IME on my own (to avoid bribery/bias from Hartford)?
  178. Can Met Life legally require notes from therapy sessions?
  179. Do I need to be completely out of work to file for disability?
  180. Can I claim a permanent disability to avoid a surgery that requires several months of down time without promising results?
  181. 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?
  182. Can I get a lawyer to get the back pay Hartford still owes me?
  183. Can I fire Allsup and owe them nothing?
  184. How many IMEs can Hartford make you go through?
  185. Will telling MetLife my income make me ineligable for the premium waiver program?
  186. Why does Northwestern ask the questions they do in the "Request for Continuation of Disability Benefits" form?
  187. How can New York Life get away with not answering my calls?
  188. Do I still need to fill out Guardian claim forms if I am eligible for Presumptive Total Disability?
  189. What does Unum mean by "treatment provider"?
  190. 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?
  191. Do you handle closed cases only, or open ones as well?
  192. Can Principal's independent physician determine what I can and cannot do?
  193. Can MetLife determine that I am capable of earning over the % of my pre disability income required to receive LTD benefits?
  194. Can Hartford cut off my benefits after 24 months if I have both a mental condition both a mental and physical condition?
  195. Are there any circumstances in which I can appeal LTD after the number of days Aetna gives you to appeal?
  196. How do I access a copy of my STD policy with Reliance Standard?
  197. Is it possible to be approved for state disability but not by my insurance company?
  198. Would it be better to continue to receive benefits from Lincoln Financial or should I seek a buyout?
  199. Which Own Occupation insurance company has the best history of paying for legitimate disability claims?
  200. Does SunLife have a required time to make a decision? Can they request medical records that have nothing to do with my illness?
  201. 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?
  202. Can LFG continue claiming I have a pre-existing condition when my doctor says I don't?
  203. Can Aetna deny my claim due to a "war exclusion" on my policy?
  204. Since I live in an apartment, are the common lounge and meeting spaces considered in-home (for my interview)?
  205. Can I lose my Hartford benefits if I also receive an annuity payment?
  206. 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?
  207. What do I do if Aetna claims they haven't received my medical info?
  208. Can MOO deny my claim on the basis of preexisting condition when my condition is not preexisting?
  209. How can Aetna say I am not disabled when clearly I am?
  210. My policy ends after age 65, but I'm not retiring until almost 2 years later. Can I challenge this?
  211. What should my next step be after New York Life tells me I am not entitled to my life insurance or waiver of premium?
  212. What is my "regular occupation" if I started my own business after resigning from my old job?
  213. Will Lincoln Financial deny my appeal because they have taken so long to form a decision?
  214. Can Lincoln deny me because of my prior cancer diagnosis?
  215. Does Lincoln Financial offer lump sum settlements?
  216. Is a normal pregnancy and childbrith covered as a Sickness if my elimination period is 90 days?
  217. Can Guardian make me file taxes on a non-taxable insurance?
  218. Can Prudential offset my SSDI payment from my LTD payments
  219. Can I deny an interview with Unum?
  220. Why does Hartford want my bank records?
  221. Is it safe to give MetLife access to my Social Security file?
  222. What happens if a policy doesn't mention something I believe I had and paid for (COLA)?
  223. If I'm not receiving the SSDI benefits for my children from Reliance Standard due to custody, should my SSDI benefits increase?
  224. Can The Hartford inclue my son's dependent benefits in my husbands backpay?
  225. Can SunLife deny me on the basis on a preexisting condition
  226. Am I able to work part time at a different job that is nothing like the one I was at when I was injured?
  227. Can I sue SunLife if I signed a Settlement & Release Agreement?
  228. Is there a limit on the number of times New York Life can send me a IME? Also, what is a fair percentage for a buy out?
  229. 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?
  230. Will receiving my disability retirement in a lump sum affect my payments?
  231. Does Guardian reduce the qualifying income when an STD becomes a LTD?
  232. What exactly does Northwestern mean by "not gainfully employed in any occupation"? 
  233. Where does PTSD fall in to my Guardian LTD?
  234. How can Standard deny my claim and expect me to work when I am disabled?
  235. What amount is New York Life obligated to provide after dependent benefits end?
  236. 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?
  237. What is your fee to cover my Hartford claim?
  238. Can I still get my short term disability benefits if I'm terminated?
  239. Can Hartford force me to return to work if I have been approved by SSDI?
  240. Could I sue MetLife 4 years after my denial?
  241. Can I sue SunLife for pain and suffering?
  242. Can MassMutual deny my claim based on a pre-existing condition?
  243. How can Reliance Standard not coordinate with both of my disability insurance policies?
  244. I'm waiting to hear back about my appeal. Should I hire an attorney?
  245. Can Metlife force me back to work part time if my doctors are saying NO?
  246. Is there a way I can get out of allowing Genex and Unum to contact SS?
  247. Can MetLife request a second IME if I already have one that agreed with my dr's?
  248. Why is NVM reviewing my claim when my condition hasn't changed? Is it strange that they requested an in-person review?
  249. Can New York Life refuse to start my payments again, claiming my case was closed?
  250. Is it reasonable for Unum to settle for 25% to avoid an ERISA case?
  251. Do I have to pay Principal back once I receive back pay from SSA?
  252. Is the 2nd appeal process worth it or a waste of my time?
  253. I filed an appeal and lost. Is it worth pursuing?
  254. Is it likely that I can prove discrimination of coverage for mental health defects?
  255. How do I show Unum a C-section has a standard 8 week (not 6 week) recovery?
  256. Can Guardian deny benefits after "own occupation" period?
  257. Is it true that Hartford cannot use my stepchildren's SSDI payments as an offset?
  258. 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?
  259. Can MetLife request a printout of every payment from SSDI?
  260. Can Standard pull my Social Security benefits from my checking account without my written knowledge?
  261. Can I make a claim against Unum for not paying me for years?
  262. Would MetLife consider a buy out if my condition is idopathic and I have several years left on the disability I received through work?
  263. 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?
  264. If SSA deems me to no longer be disabled, can Standard conduct a review?
  265. Does moving affect my disability case?
  266. Does MetLife have the right to seek repayment 20 years later?
  267. Can I use whichever SSDI attorney or I have to use GenX?
  268. Can I get a lump sum check from MOO?
  269. How does Lincoln Financial calculate their lump sum payouts? Is this an option I should even think about?
  270. How can I get Reliance Standard to pay me the full amount of my withheld SSDI benefits?
  271. 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?
  272. 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?
  273. What is clinical review? And what are my chances of getting continual approval during the own occupation period?
  274. 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
  275. 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?
  276. What do I do if my short term ran out and New York Life closed my case?
  277. 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?
  278. Who is responsible for providing a copy of my policy?
  279. Should I be able to restrict the release of medical records to under 24 months period?
  280. Are there things that can be done proactively to ensure that LFG's 2 year evaluation does not disqualify an insured? 
  281. Is 67 the maximum benefit period for my disability insurance policy?
  282. Will signing a separation aggreement affect my LTD payments from the carrier?
  283. Should I get an attorney if Hartford hasn't responded to my settlement demand?
  284. How long is the Elimination Period when switching from STD to LTD?
  285. Is 6 month reporting normal?
  286. What can I do to stop Aetna from harassing me and realize that not all disabilities are the same?
  287. Should I write an appeal letter? What should it include?
  288. How can I find out what Principal Life Group's definition of disabled is?
  289. 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?
  290. Can I sue for bad faith under ERISA?
  291. Since I've been denied SSD will MetLife cancel my benefits (even though dr says I can only work very limited hours)?
  292. I bought a policy that LFG says I was illegible for. They never told me or my employer this. Do I have a case?
  293. Does Lincoln have a right to repayment if I am approved for social security disability?
  294. Can Aetna deny my claim for STD due to pregnancy because it was preexisting?
  295. Can Prudential reduce DSSDI from my check even if my children are not living with me?
  296. Does Mutual of Omaha offer buyouts?
  297. 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?
  298. Is it legal for Principal to take away my benefits if my doctor says I cannot work?
  299. Can I sue Aetna for the pain and suffering they've caused me?
  300. Does Prudential offer lump sum buyouts? Can I move out of the country and work elsewhere and still receive payments?
  301. Can SunLife refuse to provide me with their review information? Is my claim worth appealing?
  302. Do you still handle UNUM denial after some LTD cases?
  303. 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?
  304. How does SunLife treat workmen comp?
  305. My company's disability plan was outsourced to Lincoln Financial, but shouldn't the FMLA process be the same as before?
  306. 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?
  307. Should I hire a lawyer for my appeal?
  308. Is it legal for Prudential reps to call me from home with kids and people in the background to discuss my personal info?
  309. Am I being taxed for benefits they are not paying me? 
  310. Would I be entitled to a refund from Unum if I was denied and fired from my job?
  311. 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
  312. Why is Hartford asking me if I have a lawyer?
  313. Is Principal offering me life insurance at no cost to affect my LTD?
  314. Can I resubmit my case if my 6 month clause expired?
  315. How long is a reasonable time to ask for a buy out?
  316. 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? 
  317. Can Aetna exercise a 45 day extender to render a decision on my appeal?
  318. Can Principal deny me for something that has nothing to do with my preexisting condition?
  319. Is it a good idea to get a lump sum from Unum?
  320. Can Metlife stop paying my LTD? Woud I have any legal recourse?
  321. How long is the ERISA disability policy statue of limitatation?
  322. Can I re-establish my yearly option to upgrade Guardian disability insurance?
  323. Prudential's doctor said I wasn't disabled when several others said I was. Can they reuse this doctor to terminate me months later?
  324. Why did New York Life close my case without telling me?
  325. What should I do if my company can't accomade an option for me to work remotely?
  326. Can LFG refuse to send me a copy of my policy? What do I do if they deny on basis of pre-existing condition?
  327. Can Unum deny me on the basis of a preexisting condition?
  328. Are lottery benefits considered earned income?
  329. Why is Aetna taking so long to review my claim?
  330. 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?
  331. With 20 years still left on my approval, can MetLife do a lump sum buyout?
  332. Can I work a minimum wage job and still receive my long-term benefits?
  333. Is it legal for MetLife to change the definition of disability?
  334. Is Aetna following me or is it SS?
  335. 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?
  336. Can I sue Prudential for ruining my life?
  337. Should I ask SSDI about New York Life's surveillance?
  338. Can Lincoln Financial offset my LTD benefits by not only my SS payments but my ex-wife's as well?
  339. How can New York Life claim I have a preexisting condition when they have all of my medical records?
  340. Does an in-home interview mean I will get denied?
  341. 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.
  342. How can The Standard's doctors be justified in coming to a different opinion that my qualified doctor?
  343. Does Lincoln negotiate lump sum settlements?
  344. Could I get a buy out from Unum?
  345. Can Hartford tell my doctor I shouldn't be present when he fills out their paperwork?
  346. Can LFG force me to look for work since SSDI has approved me? Can they deny the benefits I have left to age 65?
  347. Can I refuse to sign NWM's authoritization form?
  348. My doctor won't fill out a capacity questionnaire, and Prudential won't accept my PT doing it. What can I do?
  349. Will my benefits be affected if I get married?
  350. How can UNUM’s dr.s make a judgement having never seeing me?
  351. What do I do if Aetna says I'm not enrolled in their disability policies?
  352. Is it legal and is there any way I can get lump sum settlement for my LTD policy?
  353. Can Sun Life discontinue my claim for not using the advocator group?
  354. 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?
  355. Does Guardian not have to pay long term diss if I receives social security diss?
  356. Is it uncommon for a carrier to treat TBI as a mental health condition?
  357. Why do allsups get paid more than an SSDI attorney?
  358. 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?
  359. I can perform my job functions, but I can't get to work due to my disability. Can MetLife force me back to work?
  360. Why has Aetna denied my LTD claim I am objectively disabled?
  361. If I am approved for VA Disability compensation, will that amount be deducted from my short term payment amount?
  362. Why is MOO trying to switch my STD to LTD after only 6 months when my policy lasts for 24?
  363. Is it true that I can't go on STD again for the same reason as last time?
  364. Can I deny SunLife's request to have their doctor examine me?
  365. Can a Prudential doctor change my doctor's restrictions?
  366. Does Obama care apply to pre-existing conditions in disability insurance policies?
  367. Do you have an email for contacting Sunlife?
  368. Are there rights to punitive damages under ERISA?
  369. Can Aetna use supplemental insurance as an offset? Are they entitled to reimbursement should I be approved by social security diability?
  370. 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?
  371. Who can I call if my Cigna Rep. won't answer?
  372. 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?
  373. It's been a year and Prudential hasn't asked for a review. What can I do to go him approved?
  374. What is the deadline to file an appeal with Cigna?
  375. Should I file an appeal if Guardian denied STD due to a preexisting condition that is not actually preexisting?
  376. 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?
  377. Can Reliance Standard reduce my benefits due to income coming from worker's compensation?
  378. Can Reliance Standard offset a settlement against my disability benefits?
  379. Can Unum deduct any SSDI that my children receive?
  380. 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?
  381. Should I hire a lawyer if Unum if demanding overpayment from SSD when we didn't want SSD in the first place?
  382. How long does it take after your court hearing date to hear something?
  383. Can the Standard claim I am only entitled to one independent review?
  384. How can I appeal Cigna's decision if there are no written communications explanation the reasons for claim termination?
  385. Can I reopen my short term that Unum denied?
  386. Why would Principal call about a procedure that has nothing to do with why I am receiving LTD benefits?
  387. Can Unum discontinue my benefits if I refuse to apply for RR benefits?
  388. 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?
  389. What can I legally do if Aetna isn't paying me? I'm tired of the run around
  390. Is there a process for appeals not being responded to in the time given? Also, how do I access my records?
  391. Do you handle cases for Aetna employees in Georgia?
  392. Why would Hartford's clinical manager call me?
  393. Can Principal send their doctor to evaluate me?
  394. What can I do if Aetna keeps denying my claim?
  395. Does UNUM need to see an ever worsening series of physician reports to keep approving?
  396. What should I do if I'm not contacted once my 90 day waiting period ends?
  397. Do I have to report alternative sources of passive income to Reliance Standard?
  398. Can UNUM characterize my deceased husband's retirement income as overpayment to cut MY benefits?
  399. Reliance Standard recommended Advocator, do I have to pay their fee out of pocket?
  400. If Hartford denies your coverage, do they share their findings with SSD so they also may take your name off their rolls?
  401. Is it worth is to go to court over $2500?
  402. 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?
  403. Can I still fight UNUM for denying my STD and LTD?
  404. 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?
  405. Will my LTD payments be offset by my ex husband's Railroad Retirement Tier 2 benefits?
  406. Why does my husband's Guardian policy not pay for elimination period while mine does?
  407. Can Principal request 10 years of my medical history and 5 years of tax information?
  408. If I have LTD through UNUM, can I move out of state? 
  409. 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?
  410. Am I responsible for the repayment of any applicable overpayent on account of SSDI for any period of time that Prudential does pay?
  411. Should I hire my own lawyer or use Guardian's advocator group?
  412. How frequently can MetLife request an IME?
  413. What is the appeal process? How can I get a copy of my policy?
  414. Unum's surveillance was wrong, but I got denied. What can I do?
  415. What is Hartford's typical M.O.?
  416. What should I do if Hartford changes their policy to terminate my LTD?
  417. Unum wants me to give them my SSA money for a month I didn’t receive it. Do I have recourse?
  418. Can MetLife reduce my husband's benefit if I am receiving benefits on my own award of SSDI?
  419. Was Unum right to stop my disability at age 65?
  420. 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?
  421. Can SunLife legally make me pay more than the max representatives can hold?
  422. Why does Guardian frequently send me to a FCE, and why do they retain Genex?
  423. Are there rights to damages outside unpaid benefits? Whose responsibility is it to show proof of disability?
  424. Can I still make a claim STD through MOO if I'm getting paid for my time off of work?
  425. Can MetLife deduct money I withdraw from my IRA for additional income?
  426. What do I do if Aetna says they aren't receiving my medical records?
  427. Can MetLife deny my LTD claim in the final stage of getting approved?
  428. Should I let MetLife handle my SSI or should I sign up myself?
  429. Why is Lincoln Financial saying they are due my entire SS disability payment in order to decide what to pay me?
  430. Do I have to allow Unum access to my SSA file?
  431. Do I have any options to void an agreement I signed? Can Signa offset my SSDI benefits?
  432. How does Reliance Standard classify a stroke?
  433. Are my state based disability benefits subject to offset?
  434. Can I sue Cigna even if they do end up paying me?
  435. Do I have to sign Prudential's release?
  436. If I could draw my regular Social Security and dismiss SunLife, would I still owe them?
  437. Can Cigna deny me for not attending a visit with their doctor?
  438. How long can Mutual of Omaha wait to render a decision?
  439. Is there a time limit for Standard to render a decision?
  440. What should I do when my employer refuses to prove me short term or long term plan documents?
  441. My group LTD policy goes through payroll deduction, but my income does not fluctuate. How should I proceed?
  442. Should I be concerned about Unum denying my coverage after sending them extensive medical records?
  443. Can I move to the USA and still get my Standard Life disability payments?
  444. Can I file a state and/or federal complain against Unum for giving me the run around? If not, what's my best option?
  445. Can I advise Cigna to stop making payments if I intend to return to work?
  446. What should I do if Unum wants to cut my mental health benefits after 2 years?
  447. 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?
  448. How do I know what Cigna considers an earnings qualifier for an “any occupation” occupation?
  449. Can Cigna force me to use Advantage 2000?
  450. Do you have anyone you recommend in the UK?
  451. 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?
  452. Do I have to return to work despite my issues if I can still appeal the denial?
  453. Will Prudential conduct a review of my claim after I've been denied by SSA?
  454. Can I sue Unum for emotional distress while my appeal plays out?
  455. Am I eligible for LTD without surgey? I just have medications and fatigue
  456. Can Cigna offset my SSDI benefits?
  457. Can I file another appeal 1 year later if I find new evidence?
  458. Can I still get compensation from Unum if my claim is not a disability claim?
  459. Should I contact Cigna to ask for something in writing to have it on record?
  460. Will Hartford accept my payment arrangment? Will this cancel my LTD benefits?
  461. Does purchasing coverage automatically entitle me to benefits?
  462. What is the next step after Unum denies my appeal? Do they usually settle with a lump sum or continue monthly payment?
  463. Is it normal for LFG to ask for excessive amounts of paperword and not grant me STD benefits for over a month?
  464. How do I get a copy of my IME report from Principal?
  465. 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?
  466. Do I only get one appeal with Prudential? Do I have recourse for a STD denial?
  467. Who is responsible for giving me an accounting of the overpayment owned? Can I negotiate the amount of repayment?
  468. Are anxiety and depression considered disabilities? If so, what is the likelihood of winning a claim, and should I have an attorney handle it?
  469. Do I have to sign SunLife's Social Security Consent Form?
  470. How many extensions is Prudential allowed to request before they make a decision?
  471. How can Cigna use SSDI as an offset yet not accept me as disabled?
  472. 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?
  473. What do I do if Cigna keeps denying my claim?
  474. Does Principal use private investigators to conduct surveillance as part of the review of my claim?
  475. What can I do if all of my appeals have been exhausted?
  476. What is the difference between having your case closed versus one that’s denied?
  477. 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?
  478. Is Unum a third administrator for major companies?
  479. What should I do if Aetna denied my claim based on a social media post they saw?
  480. Can Mass Mutual deny my claim due to an issue not included in my physician's formal diagnosis?
  481. Is It common practice for Standard to not return my calls? Should I hire an attorney?
  482. Should I add my physical illnesses to my exsisting STD claim or file a new claim?
  483. 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?
  484. Can I sue Mutual of Omaha?
  485. Can employer provided policies contain provisions that allow them to reduce the amount they have to pay based upon source of "other income"?
  486. Are retirement benefits from a previous employer considered a source of other income subject to offset?
  487. Will filing a lawsuit against Standard work in my favor?
  488. I want to sue Aetna for all that they have put me through. What are my options?
  489. Since I started receiving SSD before LTD started can they legally reduce my LTD?
  490. Should my wife attend Cigna's Rehabilitation evaluation?
  491. Aetna denied my claim because it was due to work related stress. Can I appeal?
  492. Why is Aetna requesting an IME? How should I handle it?
  493. Can Aetna request monthly information?
  494. Is it not my right to have a copy of my own medical records if I request it?
  495. 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?
  496. Is it true that Canadian insurance companies can't limit mental issues to 2 years?
  497. 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?
  498. Unum denied me on basis of preexisting condition and also didn't pay me for 2 years. Can I sue?
  499. Is Unum responsible for providing my claim file? How do I move the process along?
  500. What should I do if Prudential's denial letter has several mistakes in in?
  501. Can I suggest a buyout? Will that create a problem?
  502. Will receiving a settlement from a personal injury affect my monthly Unum Disability?
  503. I have been on LTD benefits for 3 years, but Cina wants an FCE. What should I expect? Do I hire a lawyer?
  504. Can I prevent Cigna from offsetting my benefits by the amount I receive from social security?
  505. 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.
  506. Can I get a lump sum buyout? Should I hire an attorney?
  507. 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?
  508. What can I do to speed this process up?
  509. How will my social security benefits from retirement affect my LTD with Lincoln Financial?
  510. 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?
  511. Can Reliance Standard use my son's benefits as offset after the initial offset for SSDI?
  512. Why is Hartford coming to my home, and can I request to meet somewhere else?
  513. Can Unum offset my benefits if I receive SSD?
  514. Can Cigna deny my claim even after approving the same one a year ago?
  515. Why is Hartford sending me an IME only 1 year into my LTD?
  516. Am I required to go to an IME that Lincoln Financial wants me to attend?
  517. Does MetLife need my social security medical records for my long term disability claim?
  518. Why is Cigna doing a "voluntary review" under a state of federal suit?
  519. How do I negotiate to keep some of Unum's SSDI back-pay checks?
  520. Why is Principal investigating my claim 9 years later?
  521. 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?
  522. 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?
  523. Should I hire an attorney now or wait until after my appeal is answered?
  524. Can Prudential discontinue benefits because my doctor hasn’t responded fast enough?
  525. Does Unum have a timeline of when they must approve or deny a STD claim? 
  526. Should I be entitled to more money from my survivor benefits through Reliance Standard?
  527. Will Unum stop my benefits if I fail to apply for SSDI benefits? Can I terminate my claim voluntarily?
  528. Does Berkshire offer lump sum buyouts of uncontested disability claims?
  529. Is it illegal for Unum to consider every source of income as income except Vetern's Affairs Benefit Compensation?
  530. 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?
  531. I was promised benefits until 66, but Hartford wants to cut them a year early? What do I do?
  532. Will I get denied due to fact I can’t afford my surgery until I get Medicare in a year?
  533. Is Unum allowed to request my entire SS file?
  534. Do I meet the criteria for claiming disability if I have MS?
  535. Am I still eligible for benefits if I resigned from my position without having filed a claim under the policy?
  536. Is it legal for Hartford to set up surveillance outside of my house?
  537. Can I file for SSDI while I'm awaiting an appeal?
  538. Can I still be able to file for short term disability benefits under my employer policy while receiving Social Security?
  539. What do I do if my income was reported incorrectly to Principal?
  540. Since Unum discontinued my benefits, and I was not receiving anything from them, am I still responsible to notify them about social security?
  541. 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?
  542. Can MetLife request my tax information?
  543. 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?
  544. Can SunLife take 60 days to respond? Can they deny me even when my doctor says I cannot work?
  545. Is it normal for LFG to take nearly 3 months to process a claim?
  546. What do I do if my doctor has me on no limitations, allowing Principal to cut my benefits?
  547. 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)?
  548. 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?
  549. 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?
  550. Do I need a lawyer to move Unum's decision process along?
  551. If Lincoln denies my appeal, what do I do next?
  552. Can I request a lump sum buyout from Unum ot do I have to wait until they offer it?
  553. What can I do if Unum repeatedly says they haven't received my documents?
  554. Why is Prudential requesting weekly updates?
  555. Will MetLife cancel my benefits if I accept Medicare?
  556. Have you successfully challenged Principal ignoring my physical health issues and only selecting depression so they only have to pay 2 years?
  557. What do I do if Lincoln doesn't think SSD is strong evidence of disability?
  558. if I file before my STD goes into effect, will LFG deny the claim?
  559. How should I best prepare for my 5-year review with Reliance Standard? Does "own" occupation turn into "any" occupation at this point?
  560. Can MetLife cancel a claim if you refuse to update it over the phone?
  561. Can UNUM refuse to add my son's SSDI benefit to my check when he stops receiving it?
  562. Is there anything I can do to receive STD benefits for my pregnancy before my 60 day LTD elimination period ends?
  563. Does being approved by Social Security guarantee that my private disability carrier will continue to pay benefits?
  564. How do I get a copy of my policy and old pay-stubs?
  565. Can The Standard require a POA or Conservatorship/Guardian paperwork before releasing my daughter's benefits?
  566. Why is my SSDI taxable income?
  567. Sun Life just decreased my payments because I am receiving x number of dollars from my medical pension. Can they do this?
  568. Can Unum deny my request to pay them back (overpayment) on a monthly basis?
  569. Do Unum benefits run for a lifetime?
  570. Can Unum deduct any SSDI I receive? If so, why?
  571. Does Prudential have to give me credit for attorney fees? Can they require me to pay them my COLA benefits?
  572. Should I hire an attorney for my appeal?
  573. What will Prudential do if I keep my lump sump payment?
  574. How can I get Reliance Standard to give me a decision on my STD application?
  575. 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?
  576. What does rental income qualify as in regards to "extra income" and what financial records must I report to Reliance Standard?
  577. 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?
  578. Can Hartford legally make me sign an Authoritization form to dislose all records of my private life?
  579. Does Reliance Standard consider buy-outs for own occupation claims?
  580. Can Standard legally follow someone and look through their personal stuff online?
  581. Is bipolar disorder considered a mental or physical condition subject to the 24 month term for mental health?
  582. Am I required to meet with Unum rep?
  583. Can the AGS help me regarding how Unum treated me?
  584. Can Standard recollect the fee awarded to my attorney? Can they recover benefits paid during a time they were also paying the claim?
  585. Can I file a harassment suit against Unum?
  586. Would you recommend Guardian or NWM for disability insurance for a Cardiologist?
  587. Is it legal for Cigna and my company to say they are still creating/writing my policy?
  588. You say that NML is one of the three most credible companies selling disability insurance. What are the other two?
  589. Is it worth fighting Cigna after they denied my claim?
  590. Can UNUM offset my daughter's Survival Benefits resulting from her dad's death?
  591. How do I convince MetLife that my condition is, indeed, severe?
  592. How can I find out how much overpayment Reliance Standard will be able to recover from me?
  593. Can Omaha say that I'm not an active employee because I work less than 30 hours per week?
  594. Can I obtain an LTD buyout from Metlife?
  595. Can The Standard threaten my credit?
  596. Should I tell Unum that I privately purchased their disability policy?
  597. Besides suing The Standard, what can I do to fight them?
  598. Can Prudential cancel or deny your claim if you are approved for social security disability benefits?
  599. Does Reliance Standard use my salary or real earnings to calculate my STD benefits?
  600. 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?
  601. How often should I go to the doctor?
  602. Is it common practice for SunLife to threaten vocation review if I don't take their buy outs?
  603. Do I have to give Unum access to my tax file and what I receive from my church?
  604. Can I sell my LTD benefits with Metlife for a lump sum?
  605. How long will it take Unum to decide if my condition is mental or physical?
  606. Can MetLife reduce their payments to me if I file early for social security?
  607. What should I do If Aetna has been following me?
  608. Can Cigna cut off my mom's benefits after 2 years? Also, where can I get their guidelines?
  609. If you appeal when Unum denies you, do you still receive funds?
  610. Am I obligated to provide my Tax returns to Guardian for my LTD Disability?
  611. What do I do if LFG hasn't given me the money they owe me and won't let me speak to a supervisor?
  612. Can I still file an appeal if I missed a day?
  613. Can I access money from my 401k without Unum reducing my benefits?
  614. What percentage is usually offered for settlement?
  615. Can Cigna deny my appeal on such short notice?
  616. How can I get copies of my policies?
  617. Should I accept Unum's lump sum pay off on a lifetime policy? How do I determine if the offer is fair?
  618. What % offer (for a lump sum buyout) would you consider low, average, and high?
  619. I meet 20 of LFG's requirments for disability but was still denied. What do I do?
  620. 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?
  621. Can MetLife end my beneifts without verifying my diagnosis (that is an exception to their 24 month clause)?
  622. Am I required to pay Prudential for the SSDI attorney fee I paid?
  623. Can Hartford spy on me again?
  624. Can Hartford count all the money my ex received from SST as income to me if I do not live with her?
  625. Is it legal for Cigna to requent my tax returns as a condition of profit or loss?
  626. If I drop SSDI, will Standard still offset the benefit?
  627. Is it normal for MetLife to take 130 days to respond to my appeal?
  628. If you are denied short term and long term through Hartford, how long does it take to file a lawsuit? 
  629. Could I sue Prudential for the money I paid to my attorney? I had to wipe my 401K, was almost evicted, etc
  630. Can I hold Unum accountable for terminating my benefits after 24 months if I was physically disabled – not mentally – first and foremost?
  631. Does anyone know for how long Hartford is paying LTD due to a major depression? 
  632. Can LFG deny my LTD coverage because it's "not portable" while STD is?
  633. Will moving to a different state disrupt my LTD? Am I eligible if I am not bedridden?
  634. Does Prudential LTD insurance have annual cost of living increases? 
  635. How long does it take for Hartford to gather paperwork regarding a settlement? Do they offer decent ones?
  636. 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?
  637. Is is strange that LFG scheduled an IME without requesting medical records for the past 6 months?
  638. Can you provide legal support on a contingent basis?
  639. Can marriage affect my MetLife disability benefits?
  640. Can Reliance Standard offset my SSD benefits before I am approved for them?
  641. How do I proceed about Aetna STD and their denial of my claim considering my current diagnosis?
  642. Hartford investigator lied to the cops about following me. Is this legal?
  643. Will adding physical medicinal illnesses to my mental illness case hurt it or strengthen it?
  644. How do I find out the statute of limitations on my LTD claim?
  645. If UNUM chooses to discontinue benefits, how much notice is given to the insured?
  646. 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?
  647. Can Hartford force me to file for Social Security Disability? Can they hold my benefit checks if I don't?
  648. Can Standard cut off my benefits after 2 years if my primary condition is physical and not mental?
  649. What do I do if Cigna won't tell me which eye test they want? I only have unemployment benefits.
  650. What is the "rule of thumb" cost for an insurance company to defend against an ERISA lawsuit?
  651. Am I at risk of losing my Metlife benefits if I have a secondary mental illness (the primary disabling condition is physical)?
  652. Is the fact that MetLife limits mental nervous conditions to 24 months discriminatory?
  653. How can I get Metflie to send me a copy of my policy?
  654. What right does CIGNA have in contradicting my own medical doctors recommendation?
  655. Can I prevent Standard from cutting off my mental health benefits after 2 years?

RESOLVED CASES

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

CLAIM TIPS

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

DC REVIEWS

  1. AT&T Was Great and Sedgwick Horrible
  2. Keeps claiming they will not approve claim for pre existing conditions but my illness is not preexisting
  3. Staff Lie
  4. Former Hartford employee has had life insurance and accidental death policy's revoked for one late premium payment
  5. Never received benefits my entire leave - or help with them
  6. Unscrupulous Tactics
  7. Review from Dennis Taylor - Lame
  8. Review from Dorothy - Low payments
  9. Well Documented correspondence
  10. They closed my claim and I have been without income since they closed it
  11. Review from Dustin G - Bad Faith
  12. Denied by Hartford after 20 years of Payments
  13. Review from D Larson - Standard insurance just dropped me with no communication with me.
  14. Review from Unknown - What a mess
  15. I was disabled 2003 by SS. I got SSDI 7 years too late.
  16. Review from Allen Cox - only care about $$$$$
  17. Review from Jeff Allsop - They falsify documents and avoid contact as much as possible.
  18. Review from Hana K - This company is a scam!
  19. Review from MartyG - California State Disabilty "OFFSET" never mentioned or outlined when enrolling for STD coverage.
  20. Review from Cezes - Not getting paid
  21. You have to be well versed in your rights when dealing with them
  22. Review from J
  23. Review from Steve -
  24. Review from Kara - They leave you unable to fight
  25. Review from Fed up in PA - Hartford Stopped Payments
  26. Denial of treatment for injuries that therefore become a permanent disability
  27. Prudential terminated my LTD, so now I have no income
  28. Lincoln Financial made my life a living hell
  29. They demanded an overpayment, stopped my claim, and lied about it
  30. Sun Life is a real pain
  31. I feel like Unum is giving me the runaround!
  32. Payment delays!
  33. NYL denied my claim
  34. Hold up on payments!!!
  35. Paid Family Leave
  36. They should all rot in hell
  37. They will constantly come up with anything to delay paying you
  38. Don't count on New York Life!!! You will be very disappointed!!!
  39. They will do anything to avoid paying
  40. Lincoln Financials wants to claw back my money
  41. New York Life denied my disability claim because they didn't read the "continued on next page"
  42. New York Life denied my STD claim
  43. This is the second time I've been shorted in my check
  44. Your decision making process is absurd!
  45. Everytime SunLife receives my information they ask for another 7 to 10 business days
  46. Lincoiln Financial denied my STD claim because one doctor didn't send them my medical information.
  47. My husband has 2-5 yrs to live, yet MetLife has been giving him the run around
  48. Reliance Standard denied my LTD benefits because COVID-19 limited my ability to provide proof of continued disability.
  49. Lincoln cancelled my benefits because my doctor's notes were handwritten
  50. Inappropriate conduct!! Rude, discriminatory, etc
  51. Lincoln denied my disability claim even though Dr said I couldn't work
  52. Haven't been paid since MetLife denied my appeal months ago
  53. I have lost everything due to non payment of my claim.
  54. Metlife closed my STD claim amid several injuries
  55. Lincoln doesn't think renal failute and 4 dyalisis treatments per day are enough to be. Disabled
  56. Prudential cancelled my policy amid COVID crisis
  57. New York Life denied me and I had no other choice but to go back to work when I wasn't ready
  58. Metlife's COLA recalculation cut my payments with no explanation why
  59. Unum terminated my benefits with no warning
  60. I've been trying to care care of my Unum benefits for over a year. They’ve been so rude
  61. New York Life claiming they never got the forms I sent them
  62. Sorry, Principal. My residual and renewal commissions aren't "earned"
  63. I was sold a policy that I cannot use and no one will show me the policy
  64. SunLife said if I don't apply for SSI they will lower my payments
  65. I don't understand SunLife's overpayment letter
  66. Reliance Standard cut off my LTD benefits claiming I'm fit enough to work even though I'm more sick than before.
  67. I've paid for STD for 20+ years. Now, I'm actually sick and can't get paid
  68. Reliance Standard notified me that my benefits were being stopped with no warning or reason.
  69. MetLife stopping my benefit plan. I'm still disabled
  70. Unum thought I was fine to work. I wasn't
  71. Aetna STD has been a nightmare since the beginning
  72. My doctor signed paperwork and they still denied my pregnancy claim
  73. They promised me min 10% of my salary and max 60%. I got 6%
  74. Hartford never paid me
  75. Guardian not being flexible during Covid
  76. Hartford rep felt so guilty over how the company treated me that she quit
  77. Prudential verbally approved my claim and then sent me a denial letter
  78. Guardian thinks people with lupus miraculously recover
  79. Hartford ajuster won't return my calls. I might have to move back to California
  80. Lincoln Financial pressured me to return to work amid the pandemic
  81. MetLife forgot that women can't lift 20 pounds while pregnant
  82. Aetna leaves me at risk of losing my job and without compension
  83. Do not use this terrible, unethical company. My daughted died waiting for their claim.
  84. I was receiving LTD from Reliance Standard due to breast cancer until they suddenly denied me my benefits.
  85. Hartford keeps saying they haven’t gotten my paperwork
  86. MetLife received all my medical records but still denied my claim
  87. I'm going bankrupt after Hartford rejected all my medical tests/records
  88. Hartford has denying claims down to an artform
  89. SunLife screwed me one week after a C-section
  90. Hartford Insurance Company is a bunch of unpassionate people
  91. I'm using my off time off when it should be under my New York Life short term disability
  92. Unum has made me feel like a criminal
  93. My fiance wants to lie to his doctor so he can go back to work because we can't live off of SunLife
  94. SunLife took away my husband's VA Disability payment
  95. So appalled and frustrated with how New York Life is allowed to get away with this!
  96. Sent 122 pages of paperwork, but MetLife still need more info
  97. LFG made me lose all hope
  98. Lack of respect, consideration, compassion and professionalism
  99. Why are they handling it this way?
  100. 2 days before Christmas, LFG told me my benefits would be discontinued. They didn't contact me before and never told me why
  101. 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!!
  102. I have 11 conditions, and Hartford is going to cut me off
  103. Standard is one of, if not the worse, company in the industry now
  104. New York Life only paying me my earned income instead of base income
  105. I have been severely harmed by Lincoln Financial. Action must be taken against them.
  106. MetLife wants to end my benefits at age 62
  107. 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'
  108. Filling out MetLife's detailed application could make me ineligable to premium waiver program
  109. Northwestern thinks I can walk even though my left leg is paralyzed
  110. Hartford dragging their feed on my STD
  111. Hartford is a joke. Their favorite word is "denied'
  112. I waited 5 weeks just to be told I can't receive benefits
  113. Over a year passed with zero notification from Hartford
  114. Unum keeps prolonging the process to approve my LTD benefits
  115. New York Life denied my claim after agreeing that I am functionally impaired
  116. This experience with the Hartford is one of the worst things I’ve ever had to deal with
  117. Aetna puts their clients through hell with their games
  118. New York Life used another person's medical info to deny my claim and ignored my doctors
  119. New York Life cut back my payments because I had a pension
  120. New York Life cares more about their shareholds than you
  121. I'm dreading and fearing this mess
  122. This company needs to be sued for their unethical practices!
  123. New York Life thinks they know how I feel inside my head
  124. Principal will do anything not to pay
  125. Lincoln Financial does nothing but give you hoops to jump through.
  126. MetLife is unresponsive to my emails but expects me to respond to theirs
  127. New York Life denied and said they needed more medical info … wow
  128. If Metlife is using ridiculous stall tactics over $12.00, I can't imagine what they do over full price
  129. I've gotten nothing but the run around for over a month. Beyond frustrating and stressful!
  130. I feel that I was robbed
  131. Northwestern is the Quiet Company that silently screws its policy holders but is too big to fail
  132. Lincoln Financial incorrectly cut my check and then unjustly denied my LTD claim.
  133. I only needed Unum once and to no aviail. I got denied
  134. New York Life forces people to not follow their physician's orders
  135. Lincoln Financial Group follows no rules or policies.
  136. Lincoln Financial continuously offsets my son's LTD benefits. It is upending his already difficult life.
  137. Hartford is the worst Insurance company I have ever dealt with
  138. Unum has no sympathy for disabled people!!
  139. Dealing with Unum made me depressed and want to give up
  140. I don't know what to do because they keep telling me different things. It’s ridiculous
  141. I don't understand how a company so big can be so hard to deal with
  142. MetLife cut me off from my job COLD
  143. I couldn't force Unim to pay up because they strategically kept me in limbo, never denying my claim
  144. Everyone gets paid but the one person who needs it most
  145. LFG claimed my documents got lost – even when I sent them proof of delivery by U.S. Postal tracking
  146. Never received a single payment from Unum
  147. I want to sue New York Life
  148. It's been over 3 months, and I've only received one payment from Aetna
  149. This company makes the process impossible. They're terrible
  150. Beyond stress after MetLife denied my STD claim
  151. Lincoln Financial is taking months to provide me with my benefit checks. I'm unsure where to go from here.
  152. I keep getting the run around
  153. Principal is absolutely ridiculous. I'm in financial harship after not receiving my full pay from work and exhausting my long term sick
  154. Just got denied. Don't know what to do next.
  155. 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
  156. It would cost me more to fight Prudential than to let them get away with their games
  157. This fraudulent company is such a joke
  158. I have given New York Life all that they request. Now it seems like they are giving me the run-around.
  159. MetLife decided I was no longer disabled 6 weeks into my 13 week plan
  160. Lesson learned, disability insurance is a complete waste of money
  161. 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
  162. We have dealt with Lincoln Financial for nearly two months to no success
  163. Lincoln Financial approved my claim after I was denied WC, but now they won't pay me.
  164. New York Life took a snipped of my medical record and ran with it. They didn't care that my CHILD had just been killed.
  165. All Lincoln Financial does is STEAL YOUR MONEY
  166. I pay them for my service. And they treat me like this. Shame on them.
  167. LFG has been nothing but a headache
  168. Thank you so very much for your website, and for educating the public about this ugly, evil corporation.
  169. Stress over Guardian caused my heart attack
  170. Standard's sudden denial was inexplicable
  171. New York Life thought I wasn't physically impaired when I was on BED REST
  172. Aetna people are thieves, crooks and liars.
  173. I got nowhere trying to play New York Life's appeal games. Thank You, Dell Disability Lawyers for resolving my case!!
  174. This company is a bunch of thieves.
  175. I promptly sent my overpayments to Lincoln Financial, but now I haven't heard from them in months.
  176. New York Life promised me 60% of my income and gave me nothing
  177. New York Life has not paid me a dime in months
  178. Standard has keep me jumping through hoops for years
  179. delaying a decision forcing me to keep paying them premiums for a policy I believe they never had any intention of paying.
  180. Ne York Life expects me to do a range of motion tests when every time I try to move I want to cry
  181. Please, don’t take insurance out with this company.
  182. Reliance Standard never answers or returns my calls, has not provided me my benefits, and falsely claims I never provided necessary paperwork.
  183. Prudential told me I would have a decision today, and now the need another week. Guess what, I'm still broke
  184. Hartford denied me after their "doctor" thought I was fine after 15 years of payments
  185. I'm unable to return to work because Lincoln Financial won't track my calls after claiming I never called them.
  186. The IRS should know that Guardian refuses to send my W-2 form
  187. 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.
  188. 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
  189. Even my employer doesn’t understand why New York Life denied my claim. I don't know what to do
  190. Unum's "experts" contradicted what my Umichigan doctors say
  191. New York Life is not there in time of need Had to go back to work with no surgery and a ruined credit score
  192. Still waiting for LFG to approve my claim
  193. Hartford told me TODAY my benefits are stopped effective TODAY
  194. Aetna is definitely committing a crime and they need to be stopped.
  195. I hate Aetna
  196. Prudential is the most dishonest and immoral company ever!
  197. Reliance Standard is unreasonably prolonging the transition from STD to LTD for my boyfriend.
  198. Aetna denied me and then I got fired from my job
  199. I am sick and tired of getting ignored
  200. Guardian cancelled my husband's claim without checking his medical records. Do better. We have children to feed and bills to pay.
  201. Principal owes me 60k
  202. New York Life says I am well and able to work. I wish my brain and body got their memo.
  203. New York Life thinks it's ok to mess with my life
  204. My experience with New York Life has been a complete headache
  205. Hartford terminated my benefits after they sent my forms to the wrong address
  206. 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.
  207. Mental health LTD should be covered under the Mental Health Parity Act
  208. THEY SCAMMED ME AND DID NOT CARE
  209. I am so stressed out I can’t sleep at night. 
  210. MetLife is a joke
  211. Guardian has built-in denial for self-employed individuals
  212. I tried working a small job my friends offered me, and instead of offsetting my benefits Lincoln Financial is terminating them.
  213. Sun Life doesn't tell you about their STD criteria, not do they let you know when your claim is denied
  214. Why are we allowing LFG to get away with such nonsense??
  215. I am so tired of dealing with Aetna
  216. Unum denied reinstating my disability payments after I was diagnosed with arthritis
  217. I am about to lose my money to these thieves
  218. Aetna denied my appeal and now I'm out of money
  219. These people/company are horrible. No one should suffer from their greed
  220. Guardian has the least helpful folks I have ever met
  221. What a pathetic company
  222. SunLife said my condition is more mental than physical (it's not) and said I've have to take a lump sum
  223. Got the run around for 9 months. My quality of life is gone
  224. New York Life is denying my wife's benefits even though she is unable to go back to nursing or make 80% of her income.
  225. Aetna is a bunch of hypocrites and your typical slimy, rip off, no pay insurance company.
  226. I have lost my car, credit, and family
  227. MetLife's games have made me lose the car
  228. I haven't received a single check my Sun Life
  229. Unum denied our claim because of "lack of diagnosis" leaving us bankrupt. Sorry, Unum, but some conditions don't have a diagnosis yet.
  230. The appeals process with Reliance Standard is very frustrating. I'm not sure how to get an answer from them.
  231. Worst experience ever
  232. Prudential has caused so much stress on me sometimes I just breakout crying.
  233. I will be LITERALLY living in my car if Aetna persists with their games
  234. Unum denied my claim for not returning to work after 3 days when they had already approved 3 weeks
  235. New York Life denied my claim because they thought there wasn't enough evidence. I haven't had a life in months
  236. I lost everything when Principal terminated my benefits without calling or emailing me
  237. This is definately a company thats in it for the bucks!! I hope bad karma catches up to them
  238. New York Life denied my LTD claim after my serious car wreck
  239. Aetna has been giving me the run around and denied my claim
  240. Aetna is a horrible company to work for
  241. I feel like I have been scammed!! BEWARE
  242. My Dr. never gave New York Life my medical records, so I lost my car
  243. MetLife hiring a pi to follow me + denying my claims heightens my anxiety
  244. I feel as if my husband was robbed by Aetna
  245. Hartford's lack of help has left me struggling to pay my bills
  246. I've been fighting SunLife for STD for 2 months and I've only received one week of payment
  247. MetLife refused to pay me for 8 weeks
  248. Lincoln denied my claim because my doctor wasn't in the office – on his day off!!! – to answer their call
  249. SunLife took 4 months after I declined their lump sum to deny me
  250. SHAME ON YOU SUNLIFE.
  251. I am in need of help in handling my appeal with Lincoln Financial.
  252. LFG made my PCP – who said he was not qualified – complete my forms
  253. Aetna ignored my very detailed medical information and denied my claim
  254. I'm fed up with this insurance company
  255. They don’t return your calls. And when they do they try to trick you into making a false statement.
  256. 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
  257. I don't understand why Unum terminated my benefits
  258. Hartford denied my appeal even after Dr. said I couldn't work and after I qualified for govt disability
  259. Hartford changed criteria of how they determine I'm disabled
  260. Verizon won't let me back to work due to confusion over Met Life doctors
  261. They are playing games
  262. I've sent Aetna every single piece of paperwork that I have but they keep asking for more, refusing to listen to me
  263. Rather than helping customers with their claims, Aetna finds ways to deny them
  264. I cant but feel I am being starved out and given the runaround.
  265. Prudentials overpayment paperwork makes no sense and they are trying to get my kids involved in my claim
  266. Aetna sucks!!
  267. 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.
  268. Met Life has the power to ruin your career
  269. This company is purposely denying claims
  270. I feel stuck
  271. Not sure if it’s worth fighting these corporate vultures
  272. Our worst experience ever!
  273. Reliance Standard is trying to reduce my LTD benefits because of once-a-month work in the military reserve.
  274. MetLife drags claims out because people become tired and give up. I will fight them.
  275. I have NO money coming in. I'm so frustrated I could cry.
  276. Met-Life lied to my face. They know I don't have the money for these constant visits, but they don't care
  277. SunLife's behavior is outlandish and criminal to say the very least
  278. At some point, SunLife needs to be held accountable for their tactics against people without the means to fight back
  279. I hope I never have to deal with these people in life!!! They lie as easy as they breathe not to pay off claims.
  280. Prudential is the worst insurance company I've had to deal with
  281. Different Unum representatives told me my claim was both approved and denied?!
  282. My doctor of 2 years changed his mind abt my disability after speaking with Lincoln Financial…
  283. Principal owes me 4k
  284. SunLife repeatedly claims they have not received my faxes
  285. Lincoln Financial keeps denying my LTD claim even though multiple doctors say I can't work.
  286. Lincoln Financial found a doctor purely to contradict my husband's doctor's orders.
  287. Even though my spinal illness is very well-documented, Reliance Standard has yet to transfer me to LTD.
  288. AETNA IS A THIEF!!
  289. Lincoln Financial denied my LTD claim, but I didn't appeal it within 180 days. Looking to potentially appeal now.
  290. Lincoln Financial doesn't want to know the truth about your disability, they just want to find ways to say you're not disabled.
  291. New York Life is the worst insurance company I have ever had to deal with.
  292. Yet another person screwed by Guardian's corporate greed
  293. ARE THEY CRAZY?!?!?
  294. Is this fair?? I'm owed for each time Metlife denied my claims, as well as wrongful termination.
  295. I can't get someone to be honest with me from MetLife.
  296. I've never worked with people that are so obviously stalling before. Bunch of crooks
  297. 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.
  298. Aetna makes me bug my physician to sent stuff he already sent
  299. Reliance Standard pays measly benefits at the cost of constant requests for paperwork.
  300. Unum demanded to see all information on my checking account to monitor if I'm getting extra income. Seems illegal to me
  301. UNUM has been stailling by saying they're waiting on medical records. Same old tactics
  302. SunLife's hipster with zero medical experience thought he knew more than my doctor
  303. THIS COMPANY IS RUTHLESS. NEVER AGAIN WILL I BUY ANYTHING FROM AETNA.
  304. I am sick of dealing with them!!! They are crooks!!!
  305. Reliance Standard is attempting to doctor shop and send me to an unqualified specialist.
  306. Stay away from buying any Long Term Disability from Aetna
  307. We want our money, not the run around!
  308. I’m sure New York Life's shareholders made a nice profit while my life was flushed into a 10 year nightmare that will never end.
  309. Aetnas thinks they can get away with not paying you for weeks on end
  310. This company is awful
  311. They are liars, spies, and theives.
  312. Hartford basically told us that we were out of luck
  313. Reliance Standard is inconsistent with their payments.
  314. I am beyond unhappy with New York Life
  315. New York Life closed my case because they didn't have my info; yes they did. I'm not waiting for a review
  316. 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.
  317. Never in my life have I been treated with such disrespect
  318. 2 ways Principal harms disabled employees
  319. Is it worth keeping up with all of the paperwork when Reliance Standard is only giving me $100 a month?
  320. Hartford is a company of thieves. They should be ashamed of how many people they've caused hardships
  321. I think what New York Life did is illegal
  322. Principal nurses try to override my doctor
  323. My STD claim with Lincoln Financial has been in medical review for a long time. I'm beginning to get worried.
  324. I hate these people
  325. Standard Insurance Company is NOT here to help employees
  326. Met Life insensitively thinks "everyone has back pain"
  327. This is criminal.
  328. They cut my husband off without telling him. I can't believe our government allows this company to continue with their fraud
  329. Lincoln Financial won't provide me with any updates or information regarding extending my claim.
  330. This company needs to be put in their place. Even my doctors are upset with their harassing nature
  331. New York Life will claim you have a pre-existing condition to deny your claims
  332. New York Life scammed me
  333. I need a lawyer against Aetna. I am so stressed out!
  334. SunLife cut me off even though I was stage 4 cancer. BEWARE
  335. MetLife claims my doctor didn't send them the needed info. I watched him do it.
  336. I don't understand how Aetna can do this. I'm scared!!!
  337. Aetna denied my premium waiver despite being diagnosed with Phenochromocytoma and having tumors
  338. THANK YOU SO MUCH ATTORNEY STEPHEN JESSUP!
  339. The Standard thought my condition was preexisting and denied me
  340. Aetna won my case by saying I had a pre-existing condition when I didn't
  341. My bank is overdrawn, I ruined my credit, I am accumulating late fees… thanks New York Life
  342. Unum is a big joke. They're dragging their feet to avoid paying me
  343. LFG paid my brother's claim in 2013, but they are refusing now – for the same condition
  344. This has been a very long and hard road
  345. I feel like my hands are tied with MetLife
  346. My experience with Guardian/Berkshire was appalling and ridiculous
  347. I need help in appealing my claim with Lincoln Financial.
  348. This is the worst ran company for people in need I have ever seen.
  349. I was left with no choice but to return to work
  350. I want to sue this company for all the stress they've caused me
  351. Reliance Standard unfairly denied my LTD claim due to a pre-existing condition.
  352. Hartford's doctor was a joke. I think they're trying to cancel my benefits.
  353. Unum denied my claim over nonsense. They lack respect
  354. Hartford has brought me so much stress
  355. Sun Life’s reputation of delay of claim processing is inexcusable and one of the worst in this industry
  356. Seeking relief against Reliance Standard through the Insurance Fair Conduct Act.
  357. I don’t know if I'm more upset about being denied or being denied without being told
  358. I take 9+ prescriptions every day but New York Life still denied me
  359. Major financial suffering because Reliance Standard wrongfully denied my disability benefits.
  360. My work place has put me in a tough spot with Lincoln Financial.
  361. My partner and I have been continuously harrassed by Reliance Standard for paperwork, and now want to pursue a lump sum for undue stress.
  362. Hartford takes advantage of disabled people. My experience has been exhausting.
  363. Lincoln Financial disregarded my wife's dopctor's diagnosis and denied her STD claim.
  364. I am so tired of fighting for the benefits that I deserve based on the policy I paid for.
  365. I would encourage anyone who has problems with Mutual of Omaha or United of Omaha to immediately contact an attorney.
  366. There's what I learned:
  367. Reliance Standard has yet to give me the correct benefit amount, even after pointing it out to them myself.
  368. This is a very deceptive company…
  369. Reliance Standard is trying to claim SSDI payments we never received as offset for my husband's LTD benefits.
  370. Prudential continually harasses me and my family
  371. I feel that this is age discrimination
  372. Despite overwhelming evidence to support my husband's claim, Lincoln Finacnial keeps prolonging a decision on his appeal.
  373. My doctor checked the wrong box, so Aetna denied me and refuses to listen
  374. Chronic pain patients should file a class action stuit against LFG
  375. Need advice on how to best deal with Reliance standard.
  376. At this point, Aetna is questioning my disability
  377. Unum's stalling will force me to either sell the house or the car
  378. 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?
  379. LFG is nothing but a scam ripping people off. Flush your money
  380. Aetna seems to be crying for a class action suit. Make sure I’m on the list! 
  381. I call every day and am met with rude workers who do not care about you in the least. Horrible company.
  382. My claim was handled so unprofessionally – almost no written communication from NW Mutual
  383. I would not trust MassMutual in any service they offer 
  384. Battle with MetLife is like battle with cancer
  385. Reliance Standard refuses to give my recently deceased aunt's life insurance benefits to my family .
  386. I am tired of waiting on Met Life
  387. My disability monthly payments have been unlawfully cut off
  388. I can’t understand why I am being penalized for their incompetence
  389. Reliance Standard is insitent upon holding up my benefit checks.
  390. NWM refused to have a hematologist review my claim since my "numbers are currently normal." They ignored my primary concern of relapsing
  391. This process has been so difficult that I couldn’t focus on getting better
  392. This is the worst!!
  393. Reliance Standard offset SSDI benefits I never received, and now won't give them to me due to initial refusal.
  394. Unum has been consistently lying to me. At least I'm not the only one.
  395. Prudential claims I owe them money when I don't
  396. LFG holding "dependent allowance" out of my checks when I don't have any dependents
  397. Reliance Standard is unbearable!
  398. Retain legal counsel before applying a band-aid to MetLife's wounds
  399. 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
  400. Even though I have enough medical evidence to prove my disability, Lincoln Financial keeps denying my claim.
  401. Met Life, being clean shaven doesn't mean I'm not depressed
  402. I don't trust New York Life
  403. I'm just tired of all this harassment
  404. MOO attempted to strong arms me with collection tactics. Now, they're stalling
  405. Thanks to Prudential, my family will be living under a bridge soon
  406. Aerna has denied my claim 4 times
  407. Hopefully something can be done to stop Hartford's greedy claims!
  408. MOO stopped my husband's benefits before telling him. They handled his claim terribly
  409. After two successful approvals of my STD claim, Lincoln Financial suddenly denied my STD claiming I had no certified medical condition.
  410. The financial stress that New York Life puts on people should be against the law
  411. As disabled persons we need someone fighting for us against corporate and government greed.
  412. Interacting with Lincoln Financial has gone well so far, looking for advice on how to improve my chances of being approved for LTD.
  413. Prudential knowingly asked me to attempt to break the law
  414. I am so angry that Prudential can get away with this
  415. I was harassed while working for Aetna
  416. Unum stopped my disability benefits at age 65 after telling me they would never stop
  417. Dealing with Lincoln Financial was a struggle, and they cut me off even though I have a proven disability.
  418. LFG cherry picks whatever information benefits their needs to deny my claim
  419. I suddenly stopped receiving my STD benefits from Lincoln Financial because my therapist could not give them sufficeint information.
  420. 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.
  421. New York Life gets away with age discrimination on a routine basis
  422. Aetna is shady
  423. New York Life paid me, denied me, then demanded overpayment, and then refused to conver mental health
  424. Principal told me not to appeal
  425. 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.
  426. The stuff UNUM made up about me is unbelievable
  427. I’m very disappointed with Aetna!
  428. Through fraudulent practices both of my appeals were denied!
  429. Sun Life should have to pay dearly for their screw up
  430. I've never seen such poor communication and such a slow process
  431. New York Life left me with no income; no one is gonna hire me
  432. I think Hartford scheduled a docotors appointment for me (without telling me). Weird??
  433. I need help on an appeal against Prudential
  434. My husband's claim with Reliance Standard was denied because his employer never mentioned the financial eligibility requirements for the policy.
  435. Aetna really left me in a terrible bind.
  436. Do not use Aetna! They ruined my life
  437. Reliance Standard continues to harrass me about denying my benefits, even though I'm clearly unable to return to work.
  438. New York Life dropped me as soon as Social Security was approved. I am not giving up.
  439. What LFG is doing can't be legal
  440. My coverage got denied after meeting with Unum's doctor
  441. I am physically not able to work, but Hartford wants me to
  442. Standard based their denial on a confition that I do not have
  443. $7k and 3 months later and Guardian is still "working on it" and asking me to "be patient"
  444. No matter how I send my medical records, Reliance Standard consistently claims to have never received them.
  445. Standard made my leave a living hell
  446. What can I do if Unum has declined my clain twice?
  447. Guardian dropped me and now, no one will hire me
  448. Unum claimed I was self-insured when I wasn't
  449. New York Life made my anxiety 10x worse
  450. SunLife said they were too busy to talk and then tweeted my daughter in law
  451. I know Standard's denial letter is coming
  452. Stanfrod declined my MS claim
  453. I can't do anything, but New York Life says I can work and they are denying me what I paid for for several years.
  454. Unum should be ashamed of the lies they put in my denial letter
  455. Aetna denied my claim, so I can't afford my medical treatments or house bills
  456. What New York Life does to us is horrible
  457. This company’s behavior is despicable and, frankly, cruel.
  458. Met Life is legalized extortion
  459. 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
  460. New York Life said if I had gotten a knee replacement I would have been eligible for benefits. Sorry New York Life, my knee had to wait when I was in the hospital 4 times for my bipolar disorder
  461. LFG nurses can question the decisions of my neurosurgeon. What a joke
  462. Principal’s short term disability insurance is all lies. They will deny your claim any way they can
  463. New York Life denied me one week before heart surgery
  464. SunLife knows people are going to be disgusted and just give up
  465. I have a chronic illness that will never get better, yet Standard thinks I can work
  466. All I need is unpaid leave for about 50 hours not 12 entire weeks. Worst customer service in history of time.
  467. Doctors intimidated by plethora of Guardian paperwork
  468. I feel very much in the dark & filled with stress & anxiety
  469. When you talk to Guardian agent, you feel like your talking to a corpse
  470. Why do they want me to give extra info on a condition that will never get better? It feels like bullying
  471. I'm dealing with a battle with cancer. Add a legal battle with Lincoln Financial
  472. Reliance Standard says that I owe them $8,000 in offsets from benefits I never claimed/recieved.
  473. Do not truest these crooks!
  474. Reliance Standard is trying to claim I owe an offset of nearly double what I actually was awarded.
  475. New York Life thinks my Parkinsons got better. It's a progressive debilitating disease.
  476. Having difficulty seeking a lump sum buyout of my LTD with Lincoln Financial.
  477. I can’t see how a company can legally do this
  478. They suck!
  479. Thanks for nothing, Aetna!!!
  480. Why do I pay to have such misery in dealing with a company??
  481. I can not stand their horrible business practices. New York Life is a bunch of mean jerks that reduce their liabilities by any means.
  482. Aetna cut off my benefits 5 days early
  483. I don’t think it is right for New York Life to require you to apply for SSDI and even assist with the process and then after approval from SSDI drop you
  484. Aetna kept getting a 45 day extension to review my appeal. They are incompetent!
  485. Stress over New York Life is making me so much worse!!
  486. Unum refuses to approve my STD
  487. The system Aetna has in place is very BROKEN.
  488. I was receiving STD and LTD from Reliance Standard without a problem until they suddenly denied my benefits without warning.
  489. I was approved unpaid medical leave by Wells Fargo, but was denied LTD after Lincoln Financial mis-represented and misquoted my doctor.
  490. I can't get in touch with New York Life
  491. RUN WHILE YOU CAN! I was scammed.
  492. I was denied LTD coverage by Reliance Standard because my cancer was deemed a pre-existing condition.
  493. This is a horrible place to work for.
  494. Hartford gives my son $59 a month even though his treatment is almost $10k per month
  495. I can't handle the constant harrassment from Lincoln Financial for my medical information.
  496. These people are thieves
  497. They are making me crazy from the stress and anger.
  498. This company is very corrupt, Be aware
  499. I lost my job after New York Life denied my FMLA
  500. They don’t care how you feel. They want you at work and will even trick your doctor to send you back
  501. Aetna thought my orthopedia surgeon's restrictions weren't good enough
  502. 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
  503. Reliance Standard denied my LTD based off of an inaccurate job requirement.
  504. Sun Life is the absolute worst company I have ever dealt with
  505. After receiving SSDI, Reliance Standard delayed their payment adjustment and I can't get a hold of my case worker.
  506. 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.
  507. Generally the people you contact are helpful and courteous, but those who work in the background are NOT at all. QUESTION EVERYTHING!
  508. Working with New York Life has been a nightmare
  509. Prudential is basically waiting for my boyfriend to die
  510. Mutual of Omaha is a rip off.
  511. I haven't been denied, but LFG quit paying me. I think I was treated wrong by them and my employer
  512. My experience with Reliance Standard and how to save yourself a lot of trouble dealing with them.
  513. Standard denied me because I didn't report my injury immediately. Sorry, I didn't realize it would be disabling…
  514. I went trhrough pure hell to get approved and now Prudential wants more info
  515. 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 New York Life
  516. I wish SunLife had to pay for the hunger and humiliation they caused me
  517. New York Life is full of crap
  518. MetLife trying to find reasons not to pay. I'm so frustrated and stressed
  519. I never can get the same person on the phone and it’s just a run around.
  520. MetLife changes their mind about my payments
  521. New York Life will probably deny my claim again
  522. I have nothing but praise for Lincoln Financial Group and for Mr. Dell
  523. Lincoln Financial is a bunch of crooks.
  524. New York Life left me with no choice but to return to work – even though I shouldn't have
  525. I lost my job in the 2 years I fought MOO
  526. Unum won’t return my calls. Going to be a long fight.
  527. I'm living in a moblile home because of Prudential
  528. New York Life thinks that just because my husband does not have active cancer he can work. What kind of knowledge does their medical staff have?
  529. Thank goodness for your law firm. I hope you are able to help others receive the support they need.
  530. MetLife justifying denying my claim with a condition I never had
  531. Hartford didn't give me increased benefits as my income increased
  532. Principal determines the length of your disability. NOT YOUR DOCTOR OR YOUR RECOVERY RATE. 
  533. NW said my relatives' claim was "not justified" and double the premium for no reason
  534. Guardian is designed to get claims denied rather than approved
  535. I’m not disabled in MetLife’s eyes, even though I cannot do daily tasks and am on over 5 medicines.
  536. My claim with Lincoln Financial has been denied twice, and I'm at a loss as to what to do now.
  537. I couldn't get an urgent surgey because of Aetna. Now, I have permanent neck damage, and I lost my job/house/car
  538. After they miscalculated my salary and overpaid my benefits, Reliance Standard is now attempting to make me pay back their overpayment.
  539. I've been in a battle with SunLife for 5 years
  540. I was wrongfully targeted by Reliance Standard and went to prison because of it.
  541. Sunlife sucks. They’re trying to bleed me dry, hoping I’ll go away, but that’s not going to happen.
  542. I don’t have anybody financially able to take care of me. I need my disability back!
  543. New York Life LTD DISABILITY IS A SCAM! They are making me crazy
  544. New York Life needs to be banned from selling insurance in the USA
  545. I don’t understand how they can get away with this
  546. Omaha's nurses can override my doctor and state disability office
  547. I'm not very confident that Standard sent my records for physician review based on what I'm reading in this comment section
  548. Reliance Standard keeps putting off their decision on my STD/LTD claims with them.
  549. People are Standard are such big liars and they are not trained in the field
  550. They are crooks who don’t care about anything except making sure they deny claims and save money.
  551.  Everyone needs to flood New York Life, the media and the public.
  552. Lincoln Financial Group suddenly decided that I was no longer disabled In spite of no evidence that I had gotten any better
  553. I want to sure Mutual of Omaha for the stress they've caused me
  554. I can't walk but Standard thinks I can work
  555. Hartford LTD Co. is worthless.
  556. I won my appeal but have no recourse for attorney fees
  557. The people making decisions at New York Life aren’t even physicians
  558. Despite my various medical conditions, I've only received partial benefits from Reliance Standard and am on the verge of another denial.
  559. Unum should be put under federal watch list
  560. Money is going in their direction everything is OK, but the minute they have to give any out it’s good luck Charlie.
  561. Reliance Standard wants me to see an IME that's biased towards my employer and the insurance companies.
  562. Reliance Standard is making me jump through hoops to receive my benefits, and I lost my house because of it.
  563. Does this company really think I'll be ready to return to work one month after a major surgery??
  564. 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?
  565. MetLife turned one hour of testing into the decision that I could work 8 hours a day, 5 days a week
  566. Disability Insurance is a rip off
  567. Really unethical company!
  568. MetLife closed my disability claim on short notice with no explanation
  569. Prudential is an absolute disagrace
  570. Hats off to New York Life for making another segment of a person's life miserable!
  571. Thanks for having this comment section – it helped me to understand some of what New York Life was trying to do. God bless you.
  572. I'’m disabled and I will sure stay away from this company.
  573. Do not use Reliance Standard's reccomended Social Security Lawyers
  574. If Hartford wants an interview, have someone else with you and ask to see their video of you before the meeting!!
  575. Unum has repeatedly abused their obligation to accomodate both injured and sickly claimants to save their company’s money
  576. Hartford is a ripoff
  577. New York Life is quick to send me letters expounding on my obligations but they make no mention of what THEIR obligations are under the policy.
  578. My time with Reliance Standard has been terrible!
  579. I'm appealing MOO's decision and I expect much more run around
  580. All I can say is that I will never use MetLife again
  581. Guardian just plain refused to settle
  582. Hartford is a joke
  583. Hartford terminated my benefits just like that
  584. Unum has devious ways to diss you completely. I'm contacting my Reps, Senators, and the President
  585. I've been trying to get a MOO claim paid for 8 YEARS
  586. My Unum case workers told me "people that have seizures work everyday. What makes you any different?" I feel useless
  587. MOO said they didn't receive my fax when I know for a fact they did
  588. I don't understand how Prudential has the right to treat me like this
  589. I don’t see how Sun Life can deny continued benefits.
  590. Add my name to Unum's list of those fraudulently turned down by Unum
  591. It's ridiculous that Unim can make me pay for money that went to my ex-wife
  592. This is robbery of the poor.
  593. Lincoln Financial is a joke, no doubt about that
  594. Hartford people are rude, difficult to deal with, etc
  595. Unum ranked 2nd on Wall Street Journal's list of companies that would noy pay their claims
  596. Met Life took my stress to an entirely new level
  597. How can anyone live on Hartford's miniscule benefits?
  598. Hartford beats you down
  599. I used to have a career. After Standard, I'm homeless with no income
  600. Lincoln Financial Group is, by far, the worst company I’ve ever dealt with. 
  601. I do not understand why people who really need the benefit cannot receive it
  602. My doctor put me on bed rest, but Lincoln Financial said "nope, you can work"???
  603. New York Life and their employees are a disgrace.
  604. Don't buy insurance from this company. You may really need it, and – trust me – it won't be there for you
  605. The public has had enough of companies like Hartford!!
  606. My doctor’s office stated they have never dealt with such difficult people before
  607. Reliance Standard witheld payments from us due to their own miscalculations
  608. It is sad that an insurance company can be so dishonest/tricky.
  609. BAD FAITH
  610. Reliance Standard is seeking reimbursement for alternative benefits they are falsely claiming I received.
  611. Reliance Standard is a scam!
  612. This company is a scam
  613. Unum demanded I give them my children's money without ever telling me I would have do to that
  614. Lincoln Financial illegally used a nurse to close my claim for a disease that medical science knows very little about
  615. All Reliance Standard does is stall payments, and now I've lost other medical insurance because of it.
  616. This company is horrible
  617. After all the fraud and stress they put us through, Hartford should get investigated
  618. Reliance Standard should be paying for my STD claim, but they won't return my calls.
  619. I've been with Unum for more than 10 years and they still treated me terribly
  620. Just another big company screwing the little people. It is sad that they can get away with what they do.
  621. This crap with Hartford long term short disability has been going on for years.
  622. Can a disability insurance company claim an overpayment for social security disability benefits payable to a child as result of the parent's disability?
  623. Standard denied my claim even though my doctor said I couldn't work
  624. I have been so shocked about Hartford’s lies – it is disgusting.
  625. UNUM are bold face liars and cheats
  626. This company is a total ripoff
  627. NML says I have no limitarion and is refusing my benefits
  628. Standard had someone watch me for a week
  629. Hartford did every dirty trick in the book
  630.  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.
  631. New York Life told me to just "go back to work"
  632. Hartford has financially crippled us. I was so mislead
  633. UNUM is trying to intimidate and strong arm me
  634. We are dumbfounded!
  635. New York Life says they are working on it but I don’t feel my welfare is their concern.
  636. New York Life gets away with denying STD when LTD is denied
  637. Aetna has given every excuse in the book to not pay me
  638. The Hartford’s favorite word is “NO"!
  639. LFG told me "pain doesn't stop you from working"
  640. New York Life is giving me the run around. They dropped me like a rock after Social Security paid the back pay
  641. Hartfford should live with the pain I have. I'm more sick because of them
  642. This “company” should be brought before the Dept. Of Justice for their TOTAL disregard for the law.

DISABILITY COMPANIES

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

CASE SUMMARIES

  1. Reliance Standard Disability Denial Upheld Due to Claimant's Lack of Strong Medical Record Support
  2. Unum Wrongfully Terminated Disabled Lawyer’s Disability Claim of Depression and Anxiety Despite Improvement in His Condition
  3. Federal Court Overturns Aetna Denial Of Disability Benefits
  4. Court Finds Irregularities in Procter & Gamble Long Term Disability Benefit Denial
  5. Federal Judge Makes Companion Life Insurance Pay Long Term Disability Benefits
  6. NFL Disability Review Board Ignores Evidence of Disability and Appeal Court Reverses Lower Court Decision
  7. Judge Agrees that MetLife's Denial of Long Term Disability Benefits was Reasonable
  8. Can Standard Insurance Company’s Failure to Raise an Issue be Considered a Waiver?
  9. Court Ordered Aetna to Pay LTD Benefits to Computer Engineer
  10. California Federal Judge Orders Standard Insurance Company to Pay Disability Benefits to Teacher with Lyme Disease
  11. Court Orders Aetna to Pay LTD Benefits to Plaintiff Suffering from CFS
  12. Reliance Standard Wrongfully Denies Life Insurance Waiver of Premium and Must Pay $188,000
  13. Court Upholds Aetna’s Denial of LTD Benefits Under the “Any Occupation” Disability Definition
  14. A Judge’s 8 Reasons that Aetna Reasonably Denied Disability Benefits to Bank of America Employee
  15. Court Rules Plaintiff's Medical Records Was Replete With Evidence Supporting Claim of MS & Was Not A Pre-Existing Condition
  16. Court Rules That Aetna’s Failure To Consider Plaintiff’s Actual Job Duties Was Arbitrary And Capricious
  17. Court Rules That MetLife Improperly Limited Proof Of Claim To Only Objective Data
  18. Hartford Admits to Improper Offset, Agrees to Reimburse 10 Years of Wrongfully Withheld Money
  19. Was Eaton’s Denial of LTD Benefits for Ehlers-Danlos Syndrome Arbitrary and Capricious?
  20. Is Plaintiff Entitled to LTD Benefits When Unable to Work in Any Occupation?
  21. California Federal Court Overturns MetLife’s Denial of Disability Benefits
  22. Can Employer’s Transfer of Coverage Effect an Employee’s Disability Claim?
  23. Court Upholds Aetna’s Denial of Accidental Death Benefits Under Intoxication Exclusion
  24. Court Rules That MetLife Did Not Consider The Material Duties Of Claimants Occupation
  25. Court Upholds Sedgwick's Denial of Benefits for Claimant with Chronic Fatigue Syndrome
  26. Court Finds Video Surveillance Renders Claimant’s Self-Reporting Unreliable and Upholds Hartford’s Termination of LTD Benefits
  27. Court Upholds Reliance’s Denial of Disability Benefits to Riverboat Pilot
  28. Reliance Termination of Benefits Is Upheld When Evidence Was Conflicting
  29. 1st Circuit Affirms Holding That Claim Is Not Subject To Pre-Existing Condition Provision
  30. Appellate Court Agrees with Zurich Decision to Deny Accidental Death Benefits to Wife of Man with Cardiac Condition
  31. Mutual of Omaha Disability Denial Upheld by Appellate Court
  32. Court Rules Plaintiff Filed Lawsuit Before Trustmark Denied His Claim
  33. After paying for 13 years Unum Denies Disability Benefits to Woman with Lyme Disease and Endometriosis
  34. Inexperienced Lawyer Handles Unum Disability Lawsuit and Fails to Provide Evidence to Support Occupational Argument
  35. Can Sun Life deduct Veterans' Benefits from a monthly disability insurance benefit payment?
  36. Is De Novo Review Correct Standard When AIG Failed to Comply with ERISA Regulations in Terminating LTD Benefits?
  37. Did U.S. Life Breach its Contract When it Denied Total Disability Claim of ABA Policy Holder?
  38. MetLife Pre-Existing Condition Disability Benefit Denial for Back Injury Reversed
  39. Can Medical Records Created After the Eligibility Period Support a Claim for Disability Benefits?
  40. Does Policy Language of Actively at Work Include Saturday, Sunday and Holidays?
  41. Can UNUM Deny LTD Benefits When Plaintiff Proves Eligibility by a Preponderance of the Evidence?
  42. Reliance's Termination of Disability Benefits was Arbitrary and Capricious When it Discounted Supporting Medical Evidence Without Reason
  43. Court Orders Western & Southern Financial Group to Pay Short Term Disability Benefits
  44. Is Remand Required If Plaintiff Proves Disability by a Preponderance of the Evidence?
  45. Do Courts Require Objective Medical Tests to Support a Fibromyalgia Diagnosis?
  46. The Standard's Denial of LTD Benefits for Financial Planner Upheld by Ohio Court
  47. Can Unum Deny My LTD