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 …
Disability Law Blog
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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What Are Your Legal Rights Concerning Your Claim for Long-Term Disability Insurance Benefits?
Here is a list of your legal rights concerning your claim for long-term disability insurance benefits. This is not a complete list but is intended to highlight some of your most important rights. Seven of Your Legal Rights Concerning Your Claim for Long-Term Disability You Have the Right to Buy an Individual Policy Directly from …
Medical Experts at Social Security Disability Hearings
Having a medical expert (ME) at your Social Security disability hearing can significantly impact the outcome of your case. These professionals are vital in providing expert testimony and medical evidence to support your disability claim. Medical experts bring a wealth of knowledge and experience to the table, helping to clarify complex medical conditions and their …
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Court Rules “Superhuman Effort” Cannot Serve as the Sole Reason for the Denial of Disability Benefits
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 …
Hartford Denies LTD Claim by Collections Rep with COPD and Cardiac ImpairmentsRead More
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 …