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On a list of occupations ranked by difficulty and stress, doctors would appear near the top, along with astronauts, firefighters and, the mother of them all, junior high school teachers. Similarly, the nature of ranked lists means that for every outstanding doctor,...
We have previously discussed the importance of appealing when insurance providers deny long-term disability benefits. People feeling like they’re not equipped to handle a lengthy court battle while they’re sick or injured aside, there’s a persistent myth that...
Buckle up. This story’s three-part court saga is a bit of a journey, but the destination is worth it. Part 1: A familiar scene In Aisenberg v. Reliance Standard Life Ins. Co., the plaintiff applied for long-term disability benefits after major open-heart surgery...
While the medical community works to uncover the intricacies and unknowns of long COVID, long-term disability applicants are still struggling to receive benefits for this condition. The pre-existing condition tactic fails again Insurance providers, huge fans of...
Every election cycle, we hear about the GOP’s plans to gut, dismantle or destroy Medicare and Social Security. And every election cycle, indignant GOP candidates announce that they would never do something so preposterous and frame the accusation as pure fiction....
Regular readers of this blog will know that we have paid close attention to the rollercoaster case involving former NFL running back Michael Cloud and his quest to attain the highest level of disability benefits from the NFL Player Retirement Plan. While we wish we...
Back in January of this year, we found ourselves in the awkward but not unpleasant position of praising Sun Life after they encouraged Congress to pass legislation requiring mental health and substance abuse parity among long-term disability insurance plans. Sun...
Never underestimate the willingness of insurance companies to “try again” to deny benefits for reasons which have already been considered and rejected by the Courts. We highlighted a case in July 2023 wherein a dental hygienist continued working through her chronic...
Ideally, you should get through life without having to think about long-term disability and the often arduous ERISA application process. Worst case scenario, you should only have to deal with this once. So, unless you’re an avid reader of this blog, it’s...
Here in the muddy trenches of ERISA law, we usually find ourselves condemning insurance providers for unfair benefit denials and disingenuous tactics designed to please shareholders at the expense of their customers' wellbeing. Today is not one of those days. Everyone...