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My most memorable case of 2016.

Posted by on Dec 21, 2016 in Articles, Articles - Disability, Life and Critical Illness, Articles - General | 0 comments

My most memorable case of 2016.

The past year has seen many interesting and surprising cases land on my desk. But my most memorable case involved a woman I’ll call April. April had been employed by a financial institution for a number of years when she developed cancer that forced her to stop work in May 2001. She applied for long-term disability benefits under her employer’s group insurance policy. Her claim was approved and benefits were paid starting in November 2001. Although the cancer treatment went well, April developed a number of mental illnesses...

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My insurer contacted my doctor, now what?

Posted by on Aug 19, 2016 in Articles, Articles - Disability, Life and Critical Illness | 0 comments

My insurer contacted my doctor, now what?

Your insurance company has asked your treating physician to complete a questionnaire regarding your ability to work and current medical condition, what should you do? Requesting that updated questionnaires be completed by a claimant’s treating physicians seems to be standard in the review process. Usually, these forms consist of yes or no questions, check boxes and requests for comments on restrictions and limitations. If you know the insurance company has requested such questionnaires from your physicians it is beneficial for you to...

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Will an insurance company ignore a treating doctor’s opinion?

Posted by on Jun 22, 2016 in Articles, Articles - Disability, Life and Critical Illness | 0 comments

Will an insurance company ignore a treating doctor’s opinion?

Many people, as well as their medical professionals, mistakenly believe that when they file a claim for short and/or long-term disability benefits, their disability insurance company has to accept the medical professional’s opinion that they are disabled.  Common sense suggests this is a reasonable assumption – but it couldn’t be further from the truth.  Why? Because many insurance companies simply do not want to pay people’s disability claims and, when armed with discretionary language in the policy, the insurance company has the final say...

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