If your claim for Social Security Disability Insurance (SSDI) benefits was denied, don’t get discouraged. It’s not unusual for an SSDI claim to be rejected by the Social Security Administration (SSA). Fortunately, the law allows you to appeal the SSA’s decision. A lot of times, the problem will be that you simply failed to provide […]
What Remedies Can You Recover From An ERISA Disability Lawsuit?
The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law enacted to protect an individual from pension and insurance fraud. Its rules apply to almost all employee group short term and long term disability policies. Among other things, ERISA gives a policyholder the right to appeal an insurance company’s decision to deny […]
Private versus Group Disability Denials: What You Need To Know
People purchase disability insurance to provide supplemental income in the event that they become too ill or injured to work. There are two types of long-term disability insurance policies: group and private. Group disability insurance policies are purchased by employees as part of a “group” insurance plan provided by their employers. Private disability policies are […]
Social Security Disability Benefits and Alzheimer’s
November is National Alzheimer’s Awareness Month, a time to help spread the word about a disease that affects an estimated 5.8 million Americans. Is Alzheimer’s a Normal Part of Aging? The Alzheimer’s Foundation of America (AFA) notes that this disease is NOT a normal part of the aging process. It is a progressive, degenerative brain […]
Failure to Follow Prescribed Treatment Could Cost You Disability Benefits
If you are filing a claim for long-term disability benefits, always follow your doctor’s instructions and review your disability policy. You may lose your disability benefits if it can be determined that you failed to follow prescribed treatments. Don’t let this happen to you. Insurance companies like to use failure to follow prescribed treatment as […]
Can your Long Term Disability Insurance Company require you to turn over your Social Security Award?
Workers who have bought long term disability insurance plans through your employers and have become too sick or injured to work may be encouraged by their insurance company to apply for disability benefits from the Social Security Administration as well. Sometimes this can be a terrible mistake. An insurance company will ask you to apply […]
Group vs. Individual Disability Insurance: Appealing a Denial
Buying disability insurance is a good idea if you don’t have enough savings or other means of income to support you if you are unable to work for a period of time due to illness or injury. There are two types of short term and long term disability insurance plans: group and individual. Group plans are […]
Multiple Sclerosis Awareness Month and Disability Benefits for MS
Multiple Sclerosis Association of America (MSAA) has declared March to be Multiple Sclerosis Awareness Month, and we’d like to take this time to discuss the process a person who is unable to work because of MS must go through in order to be approved for Social Security disability benefits. Disabilities Resulting from Multiple Sclerosis Multiple […]
Do I Qualify for Lupus Social Security Disability Benefits?
Lupus is a chronic autoimmune disease that can cause a variety of symptoms, from fatigue to abnormal blood clotting and ulcers. These symptoms range in severity, and the progression of the disease depends on the person. According to the Lupus Foundation of America, approximately 5 million people worldwide have the disease, and more than 16,000 […]
An Independent Medical Exam Could Determine the Outcome of Your Long-Term Disability Claim
When you file a claim for long-term disability benefits in Houston, it’s not uncommon for an employer, insurance company or legal counsel to request that you submit to an Independent Medical Examination (IME). However, in many cases, these examinations are anything but “independent.” In order to collect long-term disability benefits, you must establish that your […]