» ERISA and Long Term Disability Claims

Negotiating a Long Term Disability Settlement or Buyout

A buy out of your LTD benefits may or may not be in your best interests. Our office frequently negotiates settlements and policy buyouts for our clients. A successful case usually results in reinstatement of benefits or a lump sum payment from the in… Read More
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Disability Insurance - UnumProvident

UnumProvident is one of the leading providers of short-term and long-term disability insurance in the United States. UnumProvident’s subsidiaries are Colonial Life, Provident Life, and Paul Revere. It has previously been accused of failing to pay c… Read More
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Courts Can Sometimes Review New Evidence in Long-Term Disability Cases

Insurance companies are very good at making their denial of long-term disability benefits look substantial and well-founded, at least on paper. In reality, however, a look beyond the administrative record into the actual process that the administrato… Read More
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Long-Term Disability Policies - Read the Definitions!

When reading your Long-Term Disability policy, pay careful attention to definitions of “disability,” “time limits,” “elimination periods,” “offset provisions,” “mental and nervous limitations,” and “partial disability.” These… Read More
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Long-Term Disability and Government Employees

Long-Term Disability policies that are provided to employees by private employers are normally enforceable in federal court under the Employee Retirement Income Security Act of 1974 (ERISA). However, ERISA does not apply to long term disability plans… Read More
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Long-Term Disability and Medical Authorizations

I have reviewed many long-term disability cases. I often see claimants sign medical authorizations that allow long-term disability carriers to speak directly with their doctors. I believe the claimant should allow the long-term disability carrier to… Read More
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Prepare for your Initial Call to Apply for your Long-Term Disability Benefits

Your initial call to the Long-Term Disability insurance company is very important. You should prepare yourself prior to making the initial phone call. The insurance company will use this first phone call as an opportunity to interview you about: how… Read More
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Preparation is the key to winning your long-term disability case

Preparation prior to filing your claim for LTD benefits can increase your chances for success. Three important keys to winning your LTD case are: 1. Review: Every disability plan defines disability in a particular way. It is important to obtain a cop… Read More
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Important Definitions and Long Term Disability

When applying for your long term disability benefits it is important to understand your rights. Each party is governed by the specific contract terms of the policy. Your rights are covered by the insurance contract and the insurance companies respons… Read More
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When Should I Hire a Lawyer for a Long Term Disability Claim?

Long term disability claimants are well-advised to consult an ERISA attorney early in the process. In practical terms, that means you should speak with an attorney as soon as you have any indication that your condition will limit your ability to perf… Read More
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