Posts tagged Disability Insurance Denial

• Beware of any Group Disability Policy

  Ben Glass | June 15, 2009 1:57 PM | 0 CommentsNorthern Virginia, VA Category: Miscellaneous
  

  Many professional athletes find themselves doing battle with their sports group disability plan insurance carrier. In 2006, an appeals court awarded the estate of former Pittsburgh Steelers...

• Prudential Didn't Use Qualified Doctors to Deny Disability Claim

  Ben Glass | March 24, 2008 2:11 PM | 0 CommentsNorthern Virginia, VA Category: Miscellaneous
  

  Graham Harrison, filed for disability benefits under his group long term insurance policy provided by Prudential Insurance Company. He suffered from Tourette Syndrome which prevented him from working on a full time basis. His doctor, a neurologist and specialist in his disease (Tourette Syndrome) had recommended that he consider reducing his work schedule to less than full time to accommodate...

• Another Reason for Long Social Security Claim Delays

  Ben Glass | October 03, 2007 8:05 AM | 0 CommentsNorthern Virginia, VA Category: Miscellaneous
  

  North Carolina Social Security Disability attorney Brent Adams makes and excellent point about long delays in social security disability claims. He quotes an excellent commentary from administrative law judge Ronald Bernoski, writing in the Charlotte Observer.I've got an additional theory. Fraud by the major long-term disability insurance companies. Here's how it works:Most long term disability...

• (More) Tricks of the Disability Insurance Companies

  Ben Glass | September 11, 2007 3:57 PM | 0 CommentsNorthern Virginia, VA Category: Miscellaneous
  

  Here's another major trick we see them use. They deny your claim and ask you to submit an appeal. When you do so they say that "The ability to produce a detailed document such as your personal profile is indicative of an ability to produce quality work" (and thus work).This is really a silly statement unless you know such facts as who prepared or assisted in the preparation of the document and...

• Tricks of the Disability Insurance Companies

  Ben Glass | September 08, 2007 3:51 PM | 0 CommentsNorthern Virginia, VA Category: Miscellaneous
  

  Here's one we still see with some frequency in ERISA governed long term disability insurance claims. The insurance company makes a decision that the claimant is not disabled, and writes (or calls) the treating docotor with this type of message: "Dear Doctor, our review indicates your patient could work a 40 hour week, no problem. If you don't agree with our review, let us know within 10 days or...

• Long Term Disability Policies: "Robbery Without A Gun"

  Ben Glass | July 19, 2007 7:03 AM | 0 CommentsNorthern Virginia, VA Category: Miscellaneous
  

  New video and book exposes the truth about group long term disability insurance policies.In his book, "Robbery Without a Gun", long term disability insurance attorney Ben Glass reveals the mistakes that claimants and their doctors make in a disability claim that can virtually guarantee that the claim will be denied by the insurance company. Here's a short video where Ben explains how most group...

• Time to Sue for Disability Claims Clarified in ERISA

  Ben Glass | May 01, 2007 5:53 AM | 0 CommentsNorthern Virginia, VA Category: Miscellaneous
  

  The Fourth Circuit Court of Appeals has answered a very important question for long-term disability claimants: When does the statute of limitations expire when you have been denied benefits.Sun Life Assurance Company of Canada contended that a claimant had failed to file her claim within the time limits set out in the contract. Sun Life's disability insurance policy, like most contained the...

• The Absurdity of ERISA in disability claims.

  Ben Glass | April 26, 2007 5:26 PM | 0 CommentsNorthern Virginia, VA Category: Miscellaneous
  

  The First Circuit Court of Appeals issued an opinion at the end of March which again demonstrates that the federal law of ERISA (designed to protect your pension plans) has turned the disability evaluation world upside down.The plaintiff sought disability benefits after she could no longer work due to fibromyalgia. Every doctor who examined the plaintiff, including an independent examiner found...

• Aetna's Disability Benefit Termination Thwarted

  Ben Glass | March 17, 2007 1:05 PM | 0 CommentsNorthern Virginia, VA Category: Miscellaneous
  

  In a recent case in federal court the judge ruled that Aetna Life Insurance Company's decision to permanently terminate disability benefits to an employee was wrong and those benefits would be reinstated. Most disability insurance companies will only make payments to you if you are disabled and under the "regular care and attendance" of a physician. Here there was a period of time during which...

• American Dental Hygienist Disability Policy Not Covered by ERISA

  Ben Glass | March 13, 2007 11:13 PM | 0 CommentsNorthern Virginia, VA Category: Miscellaneous
  

  When a dental hygienist sued because her disability insurance claim was denied, the insurance company contended that her claim, bought through the American Dental Hygienist Association, was covered by the federal law of ERISA.Why?Because ERISA gives the insurance company a HUGE advantage--(1) it's decision given deference; (2) no jury trial; (3) no real trial at all; (4) no "real damages" except...