When you’ve suffered an injury or developed an illness that keeps you from working, you may rely on your long-term disability policy to keep you afloat. Unfortunately, gaps in your medical care can put your benefits in danger. Whether you’re still trying to obtain the...
Disability Insurance Benefits And ERISA Attorneys
Doing What’s Right For Greater Colorado
Disability Insurance Benefits And ERISA Attorneys
Doing What’s Right For Greater Colorado
Can strong medical evidence prevent a disability claim denial?
Many insurance companies that provide short-or-long-term disability coverage are notorious for denying valid claims. Sometimes, the claim denial might be an act of bad faith. Other times, the lack of supporting evidence can lead to a denied claim. Although disability...
How long of a delay in an insurance payout is reasonable?
Social Security disability programs and even insurance provided by your employer could be too low to really protect you from a disabling medical condition or unexpected injury. Those with families to support and who are used to earning an above-average income will...
Case Result: McDermott Law gets insurance company to pay long-term care benefits and more
McDermott Law recently helped a client settle a claim for insurance benefits against his mother’s long-term care insurance company. The facts of this claim were particularly egregious. In the early 1990s, the insurance company convinced our client’s mother to pay it...
Can your long-term disability (LTD) claim be terminated?
If you sustain an injury or suffer from a medical condition that prevents you from carrying on with your work for an extended time period, then you can approach your insurance carrier for long-term disability (LTD) benefits. This is an insurance scheme that provides...
A dismemberment claim can address more than just limbs
When many people consider an accidental death and dismemberment (AD&D) claim, they think about the loss of a limb. It is clear that someone who has lost a leg will have mobility issues or that someone who has lost an arm may not be able to work in their career....
How can you strengthen an appeal on a denied disability claim?
Unfortunately, not all insurance claims find success right away. Sometimes, the insurance company will deny a claim over form errors or accidental mistakes. Other times, claims are denied because of doubt over the claimant’s disability. If you receive a notice of...
What is a disability according to long-term disability claims?
When Coloradans apply for long-term disability benefits, the issue of what is considered a disability will often come into play. The insurance carrier may deny the claim by saying that you are not really disabled. This decision is made on a case-by-case basis. A...
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...
LTD insurance: Own occupation versus any occupation claims
Long-term disability claims in Colorado can be challenging. Maneuvering the disability claims process requires an essential understanding of a number of factors. One important issue is knowing the distinction between own occupation disability insurance versus any...
