Liberty Mutual Insurance Company's Leave of Absence policy was recently changed to provide that "[failure to return from leave...after 24-months may result in termination of employment." As a result, many employees on an approved leave of absence because of medical...
Holding Insurance Companies Accountable For The Coverage They Promised And The Benefits You Deserve
Helping People Like You With Their Disability, Life And Long-Term Care Benefit Claims
Disability Insurance Policies
Disability Insurance Law Group Successfully Overturn’s MetLife’s Disability Insurance Denial of Kindergarten Teacher
Ms. A became a kindergarten teacher in 2001. She loved her job and each of the children she taught throughout the years. Unfortunately, in the winter of 2014, Ms. A. was in a serious car accident. She was stopped at a light when a pick-up truck struck her car from...
Disability Insurance Law Group Successfully Overturns Standard Insurance’s Denial of Disability Benefits for Accountant with Multiple Sclerosis
Our client, Mr. D was a partner at a large accounting Firm for 9 years. Unfortunately, he began to experience severe and debilitating symptoms and was ultimately diagnosed with Multiple Sclerosis ("MS"). Mr. D had difficulty accepting the diagnosis and sought a second...
Jury Verdict for $7.6 Million to Chiropractor for Denial of Disability Insurance Benefits Upheld by Court of Appeals
Chiropractic Physician, Joan Hangarter, owned her own chiropractic practice in Berkeley, California and during a typical day she would treat between 30 and 50 patients. In 1989, Dr. Hangarter purchased an "own occupation" disability insurance policy from Paul Revere....
New Law about Reimbursement of Money to Insurer (2016)
In a recent Supreme Court Case, Montanile v. Board of Trustees of the Nat. Elevator Industry, the Supreme Court held that "Other Income" benefits (Social Security disability benefits, workers compensation awards, personal injury settlements) paid to a claimant by a...
Debunking Disability Myths
There is a great deal of misinformation about the amount fraud against disability insurance carriers. While some people may believe going out on disability is akin to an early retirement, those individuals who are truly disabled know this is certainly not the case...
Is an Emergency Room Physician Working as a General Practice Physician Totally or Partially Disabled under a Disability Insurance Policy?
Whether an emergency room physician working as a general practice physician is totally disabled or partially/residually disabled under a disability insurance policy depends on the type of disability insurance policy that is at issue, and the law governing the policy...
If You are not Practicing as a Dentist on the Time of Your Disability Claim Under the Policy, Regardless of Intent, Dentistry is not Considered “Your Occupation.”
In the case of Giddens v. Equitable Life Assurance Society of the United States, 445 F.3d 1286 (11th Cir. 2006), the Eleventh Circuit Court of Appeals held that regardless of his intent, if Dr. Giddens was not practicing dentistry at the time of his disability under...
Disability Insurance Policy Lump Sum Buyouts
A disability insurance policy lump sum buyout is where an insurance company pays an individual an agreed upon lump sum amount of money to fully "buyout" the life of an individual's disability insurance policy and claim. In other words, in exchange for a one-time check...
Unum Reports that More Breast Cancer Survivors are Returning to Work After Short Term Disability Leave
On October 4, 2012, **Unum announced that more than twice as many people who have battled breast cancer are returning successfully to work after short term disability leave. Unum explained that in 2009, nearly 64 percent of people on short term disability leave...