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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 , , , , , , , , |


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 , , , |


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 […]

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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 […]

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By Scott B. Elkind, Esq. There is one commonality of all insurers when it comes to the denial of accidental death claims: They will lie. The lies come in differing forms, but nonetheless are lies. What makes this conduct worse is that this behavior is common in the industry and comes at a time when […]

Posted in Life Insurance Benefits | Tagged , , , , , |


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