Anxiety and LTD benefits.
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...
read moreThe top 5 reasons LTD claims are denied.
#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,...
read moreSuing an insurance company – the basic steps.
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...
read moreInsurance 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...
read moreSettle your long-term disability claim – it’s GOOD for you.
You made a claim with an insurance company for long-term disability benefits. Your claim for long-term disability benefits been denied, or your long-term disability benefits were approved then terminated. Is the struggle slowly killing you? The solution? Settle. It’s good for you. Here’s why. Financial Peace of Mind: A claimant and his or her family frequently face dire financial consequences when the claimant is disabled from working, and then deprived of the disability benefits on which they had expected to rely. A lump sum settlement of a disability claim brings the financial...
read moreConfidentiality clauses – why insurers love them, and why they should be abolished.
Most of my cases settle, often at mediation. Typically the insurer will bring a “standard” form of release to the mediation for my client to sign. If not, when the insurance company’s lawyer sends me the cheque it will be accompanied by a form of release which my client must sign in order to receive the settlement funds. In either case, the release will always contains something not usually discussed – a confidentiality clause. A confidentiality clause prohibits the parties to a settlement from disclosing the settlement terms. Confidentiality raises numerous problems. It can be bad for...
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