If you’re waiting for your doctor to tell you that it’s time to file for long-term disability (LTD) benefits, don’t hold your breath. The vast majority of physicians won’t broach the subject with their patients simply because they figure the patient will tell them...
Disability & Life Insurance and ERISA Attorneys
Doing What’s Right For Greater Colorado and the Rocky Mountain Region
Disability & Life Insurance and ERISA Attorneys
Doing What’s Right For Greater Colorado and the Rocky Mountain Region
Sleep disorders can qualify as disabilities
There are many different sleep disorders that people suffer from, which can dramatically impact their quality of life. Some of these can even be dangerous and can have fatal consequences if not treated properly. But even those that don’t generally lead to fatal...
Can back problems become disabling?
A sore neck, lower back pain or back stiffness can all be early signs of an underlying spinal disorder. This can prove not only harmful to your health but can cause a multitude of struggles in your everyday life. Over time, additional conditions could develop such as...
What is a life insurance waiver of premium?
Having life insurance is crucial if you want to protect your family from financial struggle in the event of your unexpected death. A life insurance policy will ensure your family members receive a sum of money when you pass away, as long as you comply with your...
What kinds of back problems can qualify you for disability?
Back pain is a part of life. Some experts believe that up to 80% of people will experience some form of back pain at some point in their lives. But if you suffer from intense, constant and debilitating back pain, it’s a different story. Some forms of back pain are so...
Will my long-term disability insurance cover mental health?
The importance of good mental health has become a hot topic in recent years. Many employers and schools are now approaching mental health in the same way they do physical health. But are insurance companies doing the same, especially when it comes to claiming...
Is your condition disabling?
If you cannot work due to a medical condition, you have a disability, but your insurer may still deny your claim. Denials of long-term disability insurance claims can feel final and disconcerting, but they have no bearing on whether you have a disability. “Denials”...
Colorado Disability Lawyers Explain the Importance of Medical Documentation of a Disabling Medical Condition
For purposes of claiming disability benefits, you must be in a position to prove a disabling condition that results in an inability to support yourself with gainful employment. As per our Colorado disability lawyers at McDermott Law, that requires medical...
Standard Terminates Benefits from Teacher Suffering from Spinal Impairments
After graduating from college with a bachelor’s degree in Physical Education and a minor in Special Education, Ms. B enjoyed a successful career as a teacher. Eventually, she received her master’s degree in Special Education. Due to lasting effects from several...
Long-Term Disability Benefits & Bipolar Disorder
Individuals suffering from bipolar disorder can experience many difficulties in life. Sufferers of bipolar disorder will experience feelings of depression that alternates with episodes of mania. The symptoms associated with bipolar disorder can render an individual...
