The case of Mucciacciaro v. Hartford Life & Accident Insurance Company was filed in the United States District Court for the District of New Jersey. This legal battle centers around Sandra Mucciacciaro, the Plaintiff, and Hartford Life and Accident Insurance Company, the Defendant. The legal dispute pertains to a claim for long-term disability benefits, with …
What Disabilities Are Hard To Prove? Your Guide to Invisible and Hard-to-Prove Disabilities
Navigating a disability claim can be a daunting journey, especially for those grappling with disabilities that are hard to prove. Conditions involving chronic pain and fatigue may pose significant challenges when it comes to providing tangible proof, as their symptoms are often subjective and fluctuate in nature. These invisible disabilities can be met with skepticism …
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Taking A Vacation While On Disability: What You Need To Know
Have you ever wondered if you can take a vacation while on disability benefits? It’s a common question among claimants receiving Social Security Disability or long-term disability benefits. Enjoying some time away may seem appealing, but it can also raise concerns about how it may affect your benefits. This blog post will delve into taking …
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Hartford Denies LTD Claim By Collections Rep With COPD And Cardiac Impairments
The case involves Lisa Leif suing Hartford Life and Accident Insurance Company under ERISA, claiming wrongful denial of long-term disability (LTD) benefits. W.B. Mason Company, Inc. employed Ms. Leif as a Collection Representative. Leif suffers from atherosclerotic heart disease, refractory angina, coronary spasms, and COPD. As she was no longer able to work due to …
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How To Complete A Long-Term Disability Claim Form
Long-term disability claim forms can be daunting and overwhelming, but completing them efficiently is achievable with a clear understanding and the right approach. Whether navigating the process for yourself or assisting someone else with the paperwork, knowing how to complete a long-term disability claim form is crucial. By breaking down the form into manageable sections …
Unum Terminates LTD Claim For Facilities Technician Suffering From A Back Injury
The case of Harmon v. Unum Life Ins. Co. of Am. involves plaintiff Joey Harmon against Unum Life Insurance Company of America regarding a claim for long-term disability (LTD) insurance benefits. Mr. Harmon was a facilities technician for 24 Hour Fitness. He suffered a back injury leading to surgery and claimed LTD benefits under policies …
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How To Navigate Severance Packages And Long-Term Disability Claims
When navigating the complexities of severance packages and long-term disability insurance benefit claims, individuals often face many challenging decisions and uncertainties. Particularly – what happens when you’re presented with a severance offer while simultaneously pursuing a long-term disability insurance claim? If you sign the severance agreement, are you unintentionally giving up your right to LTD …
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Evans v. LINA – LINA Denies Disability Benefits To Wireline Operator With Severe Back Pain
The plaintiff, Heath Evans, was employed by Schlumberger Technology Corporation. Evans worked as a wireline operator, a role the Department of Labor classified as requiring very heavy physical labor. Evans suffered a workplace injury to his back in November 2013, leading to significant back pain and functional limitations. He underwent two surgeries, one in 2014 …
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How To Complete An Activities Of Daily Living Form For Your Long-Term Disability Claim
Most disability insurance policies require claimants to complete an Activities of Daily Living (ADL) form when applying for long-term disability benefits. ADL forms offer a tangible way to demonstrate the extent of limitations caused by a disability. When completed correctly, they clearly show how a condition impacts a person’s day-to-day life and functionality. By accurately …
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How To Fill Out The Social Security Function Report (Form SSA-3373)
How you fill out the Social Security Function Report (Form SSA-3373) is crucial to the success of your Social Security Disability claim. This detailed form collects essential information about how your medical condition affects your ability to work. Many applicants find this form overwhelming or confusing, but understanding how to complete it accurately can significantly …
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