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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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By Scott B. Elkind, Esq. The insurance industry consistently publicizes how much fraud there is in disability claims made. This is done for several reasons. This consistent propaganda campaign serves to dissuade workers from applying for benefits due to an artificially created social stigma. The insurers want workers to feel guilty when they apply for […]

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