Karen Jette, formerly employed as a legal assistant, filed for short-term disability (STD) benefits on July 23, 2013, and subsequently applied for LTD benefits on August 16, 2013, due to lower back pain. United of Omaha Life Insurance Company initially approved STD benefits and later approved LTD benefits on May 6, 2014, after an appeal …
How To Fill Out The Social Security Work History Report (Form SSA-3369)
Are you applying for Social Security benefits and wondering how to correctly fill out the SSA’s work history form? Understanding the importance of accurately completing this form is crucial, as it directly impacts your eligibility for benefits and the amount you may receive. We will guide you through filling out the SSA’s work history form, …
How To Fill Out The Social Security Work History Report (Form SSA-3369)Read More
The Pitfalls Of Employer-Provided Long-Term Disability Policies
Long-term disability insurance offers financial protection if you cannot work due to an illness or injury. However, many employees encounter issues when claiming these benefits from their employer-provided policies. Understanding the potential challenges can help you prepare and navigate the process effectively. Issues with Employer-Provided Policies Policy Exclusions and Limitations Many employer-provided long-term disability policies …
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Standard Insurance Company Violates Dentist’s Right To A Full And Fair Review
The “Zall v. Standard Insurance Company” case involves a long-term disability claim filed by Eric S. Zall, a dentist and co-owner of a dental practice, under an insurance policy with Standard Insurance Company. Zall filed this claim in 2013, at the age of 48, because of chronic neck pain and right-handed numbness and weakness resulting …
Standard Insurance Company Violates Dentist’s Right To A Full And Fair ReviewRead More
Communicating With Insurance Adjusters For Your Long-Term Disability Claim
Clear and strategic communication with insurance claims adjusters is essential for claimants seeking long-term disability benefits. Every interaction with the adjuster holds significant weight in the claims process, and effective communication is crucial to ensure you receive the benefits you deserve. However, many claimants face challenges in clearly and strategically communicating their situation and understanding …
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The Crucial Role Your Doctor Plays In Getting Your Disability Claim Approved
When applying for disability benefits, the support of your doctor is crucial. Their medical expertise and documentation are fundamental in proving the extent of your disability to the authorities. Without their cooperation and detailed input, getting your disability claim approved can become significantly more challenging. Understanding your doctor’s pivotal role in this process is essential …
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Understanding Third-Party Administrators In Disability Insurance Claims
Navigating the world of long-term disability insurance claims can be complex, especially when third-party administrators come into play. In this blog post, we will delve into the role of third-party administrators in disability insurance claims and the impact they can have on claimants. What Is a Third-Party Administrator In the Context of Disability Insurance Claims? …
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Why Do Social Security Disability Hearings Get Postponed?
Are you preparing for a Social Security Disability hearing only to have it postponed? You’re not alone. Delayed hearings can be frustrating and overwhelming. This post will discuss why Social Security Disability hearings may be delayed and what a postponement means for your claim. Common Reasons for Postponement Disability hearings are sometimes postponed for various …
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Overcoming Long-Term Disability Claim Challenges For Self-Employed Individuals
Long-term disability insurance is crucial for self-employed individuals, yet the claims process can be complex. Self-employed individuals face unique challenges when filing for long-term disability benefits, encountering hurdles that traditional employees may not experience. From proving loss of income to demonstrating the severity of their condition, self-employed individuals must navigate a distinct set of obstacles. …
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Schmill v. MetLife – Court Upholds Decision To Limit Benefits To 12 Months In Claim For Mental And Musculoskeletal Disorders
The case of Howard Schmill v. Metropolitan Life Insurance Company (MetLife) involved a long-term disability (LTD) claim under a plan governed by the Employment Retirement Income Security Act of 1974 (ERISA). Please note that the Ortiz Law Firm did not handle this case. Schmill, a Louisiana resident, was a foreman at Turner Industries Group, LLC, …