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If I am asked by a carrier to submit to an Independent Medical Examination (“IME”) or Functional Capacity Evaluation (“FCE”), what are my rights?

Category: Disability Faqs

Are you disabled and out of work? You may qualify for an employer-sponsored ERISA plan (Employee Retirement Income Security Act). With this plan you can receive long-term disability benefits. Your chances of receiving these benefits hinge on the ERISA disability benefits application process. This entire process is challenging, and a single mistake could cost you your long-term benefits.

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Sometimes, a life insurance policyholder tries to switch beneficiaries — only to discover he or she has designated an irrevocable beneficiary. While changing your beneficiary might seem like a relatively simple matter, life insurance policies frequently require complicated processes. If you (or your insurance agent) miss one step or make one error, your loved ones

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Many people associate ERISA with retirement plans but it also applies to other employer-provided benefits, including your employer-provided life and health group disability insurance.  Here disability lawyers in NJ answer some of your frequently asked questions regarding ERISA disability life and health insurance.

 

  1. What is ERISA?

The Employee Retirement

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Clients often question our attorneys about Unum denied disability claims and if they should instead seek a settlement. While Unum might offer claimants a settlement, they will do so according to their own terms, which will likely be very favorable to Unum. Make no mistake about it: buyouts always favor the insurance carrier, or else they

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Not before a knowledgeable lawyer thoroughly reviews it.  Insurance carriers rarely do anything voluntarily, unless it is in their financial or legal interests.  Whether to accept a disability claim buyouts is a complex issue which should be  thoroughly analyzed by some one who completely understands  the real value of a buyout offer and is working

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Most disability policies require insureds to submit to an Independent Medical Examination (IME) by doctors selected by the carrier to confirm the diagnosis and the degree of impairment. Some also require a Functional Capacity Evaluation (FCE) to determine how the claimant’s ilness or injury affects the ability to perform his or her occcupation.  Insureds who do

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  • Mr. Quiat was very specific about my options, chances of a successful appeal, and the costs of same. We did discuss the possibility of taking […]

    ~ Kevin

    unum disability claims
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    ~ Carlos

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  • Mr. Quiat . Is thorough , pleasant to work with . He exhibits complete competency of his profession . I would highly recommend him . […]

    ~ Insurance Client

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  • Mike took the time in our initial meeting to truly understand my situation and what I was up against. He listened to my concerns and […]

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  • As I was facing some of the most difficult times of my life with seemingly no way out, I was most fortunate to meet Michael […]

    ~ Long Term Disability Client

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  • HE IS THE BEST!!!! He listened very intently to me and took copious notes. At the end of my meeting with him I knew that […]

    ~ Arbitration Client

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  • GREAT ADVOCATE, CARING, HIGHLY ATTENTIVE, NOT GREED DRIVEN.
    Michael Quiat handled my long term disability case and did so in a very caring manner. […]

    ~ Barbara

    unum disability claims
  • TOP OF THE LIST OF ATTORNEYS Mr. Quiat responded to all of my phone calls and emails in a timely manner. Mr. He is very […]

    ~ Insurance Client

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  • SOLID EXPERTISE Solid expertise… Very responsive in client concerns\Effective advocate in handling interactions with opposing party.

    ~ Employee Benefits Client

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  • THE MOST RESPONSIVE ATTORNEY Mike stands out as the most responsive attorney…He always made it as easy as possible for me to get things done, […]

    ~ Insurance Client

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  • EXTRAORDINARY ATTORNEY Mike Quiat is an extraordinary attorney…His extensive experience and expertise was instrumental in obtaining and maintaining my LTD benefits… The compassion he showed […]

    ~ LTD Client

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  • WE NEVER HAD TO GO TO COURT Mr. Quiat took over the case, and, due to a combination of his meticulous attention to detail in […]

    ~ Insurance Client

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  • EXCELLENT!They were very professional, responsive to my questions, and successfully represented me with my claim. I would highly recommend Michael Eli Quiat and Joe Russo […]

    ~ LTD Client

    unum disability claims
  • WELL PREPARED AND PRESENTED Mr. Quiat’s appeal on my behalf was so well prepared and presented there is no doubt something like this is best […]

    ~ Insurance Client

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  • MIKE GOT RESULTS I’ve worked with many attorneys over the course of my business career. Mr. Quiat is not only knowledgeable and capable, but also […]

    ~ Insurance Client

    unum disability claims
  • WE SUED AND WON… My disability insurance company stopped paying me. We sued and won and Mike got my payments reinstated… I trusted Mike completely, […]

    ~ Insurance Client

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  • GENUINE CONCERN FOR THE CLIENT I have personally seen Mike Quiat in action on ERISA long term disability cases. Mike takes a personal interest in […]

    ~ Insurance Client

    unum disability claims
  • I NEVER HAD A PROBLEM… I have found him to be experienced, knowledgeable, but not over-bearing … I never had a problem getting appointments, reaching […]

    ~ Employee Benefits Client

    unum disability claims
  • THE HIGHEST REGARD… Michael and his staff have always been very professional, polite, and well informed. … I have nothing but the highest regard for […]

    ~ Contracts Client

    unum disability claims
  • RESPECT AND COMPASSION… I was very scared, anxious, intimidated and unsure of how to handle a particular disability insurance claim with a big company.Mike immediately […]

    ~ Arbitration Client

    unum disability claims
  • “CAN DO” ATTITUDE… When my wife and I met Mr. Quiat my life was in turmoil. Mike sat us down and very calmly listened …When […]

    ~ Insurance Client

    unum disability claims
unum claims New York ERISA Attorney

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