Disability Insurance Awareness Month (“DIAM”) is a campaign started and sponsored by the nonprofit organization Life Happens. The first goal of the campaign is to encourage people to take the time to consider the reality of missing work for any period of time, and to...
Independent Medical Exams (IMEs) for Disability Claims: What to Expect
When a claim is filed against a short- or long-term disability policy, the insurance company may request that the claimant attend an independent medical exam (IME). IMEs are basically a visit to a doctor selected by the insurer, during which the nature and severity of...
Disability Benefits: Beware Facebook, Linkedin, and All the Rest
Be very careful what you post on your social media sites, such as Facebook and even LinkedIn. Everyone knows Facebook. We have previously posted about the dangers of exposing your personal life for all the world to see, because your disability insurance carrier...
Another Successful Short Term Disability Appeal to Cigna – and Grant of Concurrent Application for Long-Term Disability Benefits
The attorneys and staff at McDermott Law, LLC have prevailed again on an ERISAshort-term disability appeal to Life Insurance Company of North America (LINA) (underwriter of disability insurance policies for Cigna). Perhaps more importantly, our client also obtained...
3 Common Mistakes to Avoid in Independent Medical Exams for Disability Claims
After filing a short- or long-term disability claim, you may be required by your insurance provider to attend a so-called independent medical exam (IME) (the more appropriate term is Insurance Medical Exam). IMEs are physical exams conducted by licensed doctors who...
5 Key Things to Understand about Your Disability Insurance Policy
Long-term disability insurance policies can be complicated. The language is unique and contains terms and phraseology not often seen before. If you have short- and/or long-term disability coverage, understanding the following key elements of your policy is crucial...
Disability Insurance Company Surveillance: What You Need to Know and Their NEW Tactic
When disability claims are filed with insurance companies, the investigation of your claim may often involve the hiring of an investigator to surveil you to verify whether you are truly disabled and entitled to the benefits of your insurance policy. Many people are...
3 Important Facts to Know about Disabilities & Disability Insurance
Knowing the facts about disabilities can underscore just how important it is to have disability insurance coverage. To this end, below, we have presented some essential facts to understand about disabilities. Disabilities & Disability Insurance: Here’s What You...
May is Disability Insurance Awareness Month
May marks the start of Disability Insurance Awareness Month (DIAM), a campaign started and sponsored by the nonprofit organization Life Happens. The goal of DIAM is to educate the public about their risk of disability and inspire them to invest in disability insurance...
Facts & Statistics Regarding Disability Insurance Coverage in the U.S. (Pt. 2)
Continuing from Facts & Statistics Regarding Disability Insurance Coverage in the U.S. (Pt. 1), below is some additional important information about long-term disability insurance coverage for American workers. This data is based on research conducted by the...