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Believe it or not, this may the most frequently asked question we hear from clients. The problem is that clients are so focused upon their individually-centered existence that they forget what the insurer is really about: MAKING MONEY. It has very little to do with the particular claimant as opposed to the economic model under […]

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In essence, insurers sell “paper,” a promise to pay in the future in exchange for cash now. Insurance is designed to protect against risk, because individuals who buy insurance are financially compensated in case of loss. For protection against loss, individuals pay insurance companies for specific types of risk. Individuals pay premiums to an insurer […]

Posted in Economics, General Disability Issues | Tagged , , , |

 

The disability insurers tend to follow certain denial patterns which reflect their own self interest in not paying benefits. The timing of the disability denial may have definite and serious ramifications. The first set of claim denials occur at a time just prior to the transition from Short Term Disability to Long Term Disability. For […]

Posted in General Disability Issues, Long Term Disability, Private Disability Benefits, Social Security, Social Security Disability Benefits | Tagged , , , , , |

 

There seems to be an unrealistic belief amongst claimants that settlement of their disability claim is available just for the asking. Nothing could be further from the truth. There are some insurers who will not approve disability payment settlements under any condition. They take the position that they will stick by the contract and pay […]

Posted in General Disability Issues, Long Term Disability, Private Disability Benefits, Social Security, Social Security Disability Benefits | Tagged , , , , |

 

The Office of the Inspector General for the Social Security Administration (SSA) issued its Report on Management and Performance Challenges facing this administration. Reducing the Hearings Backlog and Prevent Its Recurrence Factors contributing to the increase in the number of pending hearings are (1) increase in the number of hearing requests, (2) a decrease in […]

Posted in General Disability Issues, Long Term Disability, Private Disability Benefits, Social Security, Social Security Administration, Social Security Disability Benefits, SSA | Tagged , , |

 

Face it. The underlying policies of the Social Security Administration (SSA) are clearly lacking. There are no provisions for person to be only partially disabled or to assist employers in retaining disabled persons working in lesser roles. These deficiencies result in 90% of persons found disabled not returning to work. The failure to promote employment […]

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By Scott B. Elkind, Esq. There is a adage which is constantly applicable in life insurance coverage denials: “What the big print giveth, the fine print taketh away.” When a individual applies and pays premiums, it does not mean that benefits are automatically payable. The application form contains a very important question in which an […]

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By Scott B. Elkind, Esq. The disability insurers play for keeps. In most cases, they serve in the conflicted position as both insurer and payor of claims. Therefore, you literally have the fox guarding the hen house. Since insurers loathe paying claims (which represent no more than a reduction in their corporate assets), you must […]

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By Scott B. Elkind, Esq. The Wall Street Journal recently published an article by a conservative think tank guru named Andrew G. Biggs. He instantly criticized the 2016 budget proposal as “the opposite of reform.” Let’s step back a second and review this unique inane statement. Budget proposals are what they are. These are proposed […]

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By Scott B. Elkind, Esq. On January 14, 2015, prospective presidential candidate, Senator Rand Paul (R-Ky), made the following off-the-cuff statement about the Social Security Disability Program: What I tell people is if you look like me and you hop out of your truck, you shouldn’t be getting a disability check. Over half of the […]

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