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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 […]

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

 

There are cumulative studies which demonstrate that older workers will have poorer access to the labor force as compared to their younger counterparts, whether via active or passive discrimination based on age. For this reason, the age factor remains an important vocational determination factor when deciding disability cases. The National Technical Assistance and Research (NTAR) […]

Posted in Long Term Disability, Social Security Disability Benefits | Tagged , , , , , , |

 

By Scott B. Elkind, Esq. Disability insurers focus on the issue of return to work in order to gain an advantage over claimants. The first way the issue of return to work is used is the “return to work estimate” requested from a treatment provider. This will be requested on an ordinary inquiry form and […]

Posted in Long Term Disability | Tagged , , , , |

 

By Scott B. Elkind, Esq. Many persons receiving long term disability benefits will be contacted by their insurers to encourage beneficiaries to apply for Social Security Disability and utilizing the company’s Social Security Disability vendor.  Some insurers will state that the representation will be done at no cost to the claimant.  There are several important […]

Posted in Long Term Disability | Tagged , , , , , , , , |

 

By Scott B. Elkind, Esq. THE NEW SCARY SURVEILLANCE The U.S. Military, FBI, spy agencies, and many local law enforcement agencies employ the Stingray (also called, Triggerfish, IMSI Catcher, Cell-site Simulator or Digital Analyzer) system for surveillance purposes. Basically, this system is a fake cell tower that mimics the receiving power of an actual cell […]

Posted in Long Term Disability | Tagged , , , , , |

 

By Scott B. Elkind, Esq. Very few persons expect to become disabled or receive much advanced warning. Therefore, claimants have precious little time to prepare for the economic ramifications that come with their newly disabled status. As hope springs eternal, most people keep trying to get better, often to no avail as their economic status […]

Posted in Long Term Disability | Tagged , , , , , |

 

It is very common for disability insurers to deny disability benefits based on findings made on “Attending Physician” of “Functional Ability” forms provided by the insurer to your treating physician. Typically, these forms are surreptitiously mailed to your physician without your knowledge in hope of duping your doctor into providing answers favorable to denying your […]

Posted in Long Term Disability | Tagged , , , |

 

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