Is Addiction a Long-Term Disability?

If you struggle with addiction, whether with alcohol, drugs, or activities such as gambling, you may qualify for long-term disability benefits. However, much will depend on your employer’s group policy. Most do not preclude benefits due to addiction– but there are usually strict requirements regarding treatment and rehabilitation programs for qualification. There is also a difference between addiction involving legal substances, such as alcohol, cannabis, or painkillers prescribed by your healthcare provider– and illegal substances, such as heroin or cocaine. Jan A. Fishman will review your...

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Is Chronic Fatigue Syndrome a Long-Term Disability?

A person suffering from chronic fatigue can seek benefits from their long-term disability insurance policy if their employer provides it. Many insurance companies are leery of providing benefits, however. Medical professionals do not entirely understand the syndrome, and there isn’t a list of specific criteria or tests for diagnosing it. The good news is that you could still successfully recover benefits with a long-term disability claim in this situation. While it could be challenging, Jan A. Fishman could assist you. Common factors in a chronic fatigue syndrome diagnosis The science...

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Is Anxiety a Long-Term Disability?

Many people struggle with anxiety, but most will respond to medication or other treatments. For some, however, this disorder becomes so overwhelming that they are unable to participate in normal activities, including employment. Whether a person is approved for long-term disability benefits for this depends on various factors. However, any type of claim for mental illness is more difficult to prove than physical injuries or diseases. Jan A. Fishman can assist you in preparing a long-term disability claim due to anxiety. Jan has been a lawyer for 30 years, and has assisted hundreds of people...

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Top 5 Reasons Insurers Deny LTD Claims.

#1 – Insufficient Medical Documentation Insurance companies will often state that the medical documentation you provided does not support your claim that you are disabled from working. This is a catch-all tactic. They often do not explain why your documents are insufficient. If your doctors or treatment providers support your disability, you should generally qualify for your LTD policy. #2 – You Are Not “Totally Disabled” This is a conveniently misleading term that was crafted by insurance companies. The term “totally disabled” does not mean you need to be paralyzed,...

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The basic steps to suing your insurance company.

The decision to sue your insurer is not one you have taken lightly. If you are considering legal action, it is likely because you have tried everything in your power to get your long-term disability benefits, but the insurance company continues to deny your claim. The first step to successfully correcting the insurance company’s decision is to find an experienced insurance denial lawyer with a track record of success fighting against your insurance company. It is critical to do this as soon as you are denied by the insurance company so you do not miss any important deadlines. At a time where...

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Insurance Bad Faith

Insurance policies are sold on the basis they pay claims for an unanticipated event that results in a loss. This can include claims arising from damage to property and under disability and life insurance policies. When something goes wrong resulting in a claim, the insurance policy sets out the terms of coverage. If covered, the insured is compensated for the loss. While this process can go very smoothly without problems, sometimes insurance companies take the position your claim is not covered and deny coverage for the claim. Not only can that decision can be wrong and unfair, it can result...

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