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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 […]

Posted in General Disability Issues | Tagged , , , |


If you believe an insurer is going to conduct a physical examination “in order to gain a better understanding of your functional abilities,” then I have a slightly used bridge in Brooklyn to sell you. The insurance companies acquire the examiners from “independent third party vendors.” These vendors are anything but “independent” as they are […]

Posted in General Disability Issues | Tagged , , , |


By Scott B. Elkind, Esq. Both the Social Security Administration (SSA) and private disability insurers utilize medical reviewers as part of the claims review process. SSA utilizes in-house reviewers working with the Department of Disability Determination Services (DDS). DDS offices are operated in all 50 states and provide disability reviews for both SSA and state […]

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


By Scott B. Elkind, Esq. As you are aware, disability insurers employ sophisticated actuarial data to determine the population’s risk of becoming disabled and calculate premiums accordingly. That is only the tip of the iceberg when it comes to how insurer’s rig the disability benefit system to reduce payment of disability claims. One of the […]

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


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