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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 , , , , |

 

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, […]

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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Whenever you place a physical or mental condition in issue as part of a disability claim, an insurer has the right to investigate it as part of its claim determination process. Insurers routinely require claimants to attend independent medical examinations (IME). Almost every policy contains a clearly defined provision requiring the claimant to attend such […]

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By Scott B. Elkind, Esq. Many insureds are contacted each year by their respective long term disability insurers with claim settlement proposals. The purpose of these proposals is the buying out of a long term disability claim from a claimant whois not expected to recover from his/her medical condition and return to work. We routinely […]

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

 

By Scott B. Elkind, Esq. Disability insurers in their promotional materials tout how they can be relied to provide a steady source of income to disabled persons. This is anything but true. As you will learn, disability insurers will fabricate reasons for denying disability claims for their own economic benefit even when there is no […]

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

 

By Scott B. Elkind, Esq. Make Sure to Get Regular Treatment and Comply with Your Doctors’ Orders. The absolute best way to assist in your case is getting regular care. Not only do you have to prove you have become disabled, you must also prove that the disability is continuing. This necessitates continuing treatment to […]

Posted in General Disability Issues | Tagged , , , |

 

By Scott B. Elkind, Esq. There are times when an insurer may offer a claimant a settlement of the claim. Usually, the offer comes out of the blue with no advance warning. You will receive a letter stating that your claim “has been selected for early settlement.” Sometimes, the insurer just wants the claim off […]

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

 

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