Have you ever wondered how to effectively communicate the daily challenges of living with a disability when filing a disability claim? A client recently mentioned Spoon Theory to me. It is a universally recognized concept in the disability community that provides a powerful visual metaphor to explain the limited energy reserves that many people with …
Disability Law Blog
Trick Questions The SSA Judge May Ask During Your Hearing
Navigating through disability hearings can be tough. Social Security Administrative Law Judges (ALJs) are tasked with assessing claims objectively. While they do not set out to “trick” claimants, their questions may sometimes seem tricky or designed to probe the validity of your claim. The goal is to gather a comprehensive picture of your condition, and …
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Unum Denies Cognitive Impairment Claim Based On 24-Month Mental Illness Limitation
In Gill v. UNUM Life Insurance Company of America, the U.S. District Court for the Northern District of California decided a dispute over long-term disability (LTD) benefits. The plaintiff, Terrance Gill, was a project manager at Union Bank when he applied for LTD benefits. He received benefits under a UNUM policy governed by the Employee …
Unum Denies Cognitive Impairment Claim Based On 24-Month Mental Illness LimitationRead More
Is Your Long-Term Disability Claim Governed By ERISA? Key Signs To Look For
When dealing with a long-term disability denial, understanding if your claim falls under the Employee Retirement Income Security Act (ERISA) can significantly impact the process and outcome of your claim. ERISA, a federal law that sets standards for most employer-sponsored retirement and health plans, also governs certain long-term disability insurance policies. If your disability claim …
Is Your Long-Term Disability Claim Governed By ERISA? Key Signs To Look ForRead More
$85,000 In Future LTD Benefits Reinstated For Cybersecurity Professional
I recently had the privilege of representing a client whose long-term disability (LTD) benefits were wrongfully terminated after ten years of receiving monthly benefits. Our client, a 62-year-old from Rhode Island, had previously thrived in a highly demanding cybersecurity role as a data security specialist. However, because of severe and progressively worsening health conditions, they …
$85,000 In Future LTD Benefits Reinstated For Cybersecurity ProfessionalRead More
How To Get Your Claim File And Policy After A Long-Term Disability Denial
Navigating the complexities of a long-term disability denial can be overwhelming. After facing a denial, understanding how to request your claim file and policy is crucial. Reviewing your claim file is essential to gain insight into the reasons behind the denial and to explore potential avenues for appeal. This guide will walk you through the …
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How To Secure Social Security Disability Benefits For Your Dependents
Are you wondering how to secure disability benefits for your dependents? Understanding the ins and outs of this process can be crucial for providing financial support for your loved ones. Disability benefits for dependents can offer monetary help to improve their well-being significantly. This blog post will guide you through the eligibility criteria and documentation …
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Easter v. Hartford – Hartford Denies LTD Claim Of Social Worker With Chronic Fatigue Syndrome
In Easter v. Hartford Life & Accident Ins. Co., the plaintiff, Audrey M. Easter, a former Social Worker for Intermountain Healthcare, was insured under a disability insurance plan administered by Defendant Hartford. Under this plan, Defendant Hartford was the claims administrator responsible for determining benefits and the payor of those claims. ERISA governed the insurance …
Social Security Disability Video Hearings
Social Security Disability video hearings have become an increasingly common way for claimants to present their cases to administrative law judges. With the convenience of virtual platforms, these video hearings offer a practical solution for individuals who may face challenges attending in-person hearings for various reasons. In this blog post, we will explore the “ins …
Why Your Date Last Insured Matters In Social Security Disability Claims
Understanding the Date Last Insured (DLI) is crucial when applying for Social Security Disability Insurance (SSDI). The DLI serves as a cutoff point for individuals seeking SSDI benefits. But what exactly does it mean, and why is it significant? Understanding Date Last Insured (DLI) The Date Last Insured represents the last date a person is …
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