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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 , , , |

 

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. Nearly all long term disability policies include a “Rehabilitation Plan” provision. A “Rehabilitation Plan” is a written agreement between the claimant and the disability insurer in which the disability insurer agrees to provide, arrange or authorize vocational or physical rehabilitation services. The disability insurer promises to undertake a physical or […]

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The following is a top ten list of things you just do not do when it comes to disability administrators or insurers: #1 DO NOT APPEAL YOUR CLAIM WITHOUT EXPERIENCED REPRESENTATION To appeal your own claim is to become your own attorney…and you will not be able to sue yourself for malpractice. The majority of […]

Posted in General Disability Issues | Tagged , , , |

 

The basic principles of insurance companies is the promise of coverage for a defined risk in exchange for payment of a premium for that coverage. In return, insurers pay out claims in accordance with the terms of insurance when certain events happen to a policyholder. Insurance companies insure large numbers of people in order that […]

Posted in General Disability Issues | Tagged , , , |

 

This firm recently acquired information in long term disability claim files from Cigna Group Insurance which sheds greater light on the problem of using vendors recommended by insurers to handle Social Security Disability Claims. The vendor in this case is ALLSUP, a company which is utilized by several disability insurance companies to assist claimants to […]

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

 

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 , , , |

 

When a person makes a disability claim, the insurer must create a financial reserve. A disability financial reserve is a monetary estimate of the cost of the entire claim. In theory, this money should be set aside to the eventual payment of claim as opposed to being used for paying operating costs, bonuses, or shareholder […]

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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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