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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 have been gradual changes in the ERISA law which can affect your case in the worst of ways. The most disconcerting change is many courts refusing to allow subsequent responses to new information submitted by claims administrators with their final appeal of claims. In the parlance used by practitioners such as myself, such behavior […]

Posted in Private Disability Benefits | Tagged , , , , |

 

By Scott B. Elkind, Esq. More often than not, people seeking disability benefits do not prepare their claims adequately. This is reflected in the high percentage of claims denied at the initial application level whether the claim is made to a private insurer, state retirement board, or the Social Security Administration. Before filing for disability, […]

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By Scott B. Elkind, Esq. Profit is made by insurers by acquiring premiums, investing the proceeds, and paying claims in hope of making more money from the investments in the interim period. Here is the catch. They have actuaries who compile the statistics and set premiums to guarantee a profit. So, the only way to […]

Posted in Private Disability Benefits | Tagged , |

 

By Scott B. Elkind, Esq. Let me review some of the current statistics: In 1999, 75% of U.S. households carried life insurance while only 40% carried disability insurance although you are three times more likely to suffer disability over the course of your working life 9 out of 10 bankruptcies involve medical debt. Nearly half […]

Posted in Private Disability Benefits | Tagged , , |

 

By Scott B. Elkind, Esq. Most disability benefit claims are denied initially. The common reaction by most claimants is a mixture of anger and frustration. Your disability seems perfectly obvious to you. You live with it everyday. How can this situation not be equally as obvious to the Social Security Administration or a disability insurer? […]

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1. The Insurer Issues the Coverage. The insurer hires these nefarious persons called “actuaries” who take all the medical and statistical evidence and analyze the data extensively. The actuaries know the rate of illness and concurrent disability for the population in general and as broken down into categories such as age, medical condition, occupation, etc. […]

Posted in Private Disability Benefits | Tagged , , , |

 

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