We appeal wrongful long term disability insurance and Social Security Disability denials.
What is an Independent Medical Examination? First of all, we don’t like the use of the term “independent” in this context. An independent medical evaluation (IME) is an exam conducted by medical professionals that are not associated with your case currently. The word independent is in quotes as we do not believe most of these …
An Independent Medical Examination (IME) by an Independent Medical PhysicianRead More
Doctor shopping is the practice of seeking out multiple doctors – often to either: (1) obtain a specific diagnosis or medication or (2) find one that agrees with you on your disability or illness. Doctor shopping is not just a practice that some patients participate in, but also the insurance companies. In this article, we …
What is Doctor Shopping and How Can You Protect Yourself?Read More
United States Courts of Appeals and ERISA Disability Claims The United States Courts of Appeals (or circuit courts) are the intermediate appellate courts of the United States federal court system. That means they are the level between federal district courts and the Supreme Court of the United States. A court of appeals decides appeals from …
Long term disability companies are well-known for hiring third-party investigators to put claimants under surveillance. They spend millions of dollars on surveillance to save billions in claims. They want to “catch” you doing something you “shouldn’t” like taking out the trash or enjoying your grandchild’s birthday party. The goal is to get footage that they can …
Social media has become the way that we share our lives with the world. Long gone are the days of printing and mailing pictures to family and friends. Now, with the click of a button, you can share photos or even live stream videos to social media, which creates a way for families to stay …
Social Media Of Claimants Being Used To Deny/Terminate ClaimsRead More
For the purposes of this article, we’re going to separate out buyout offers, which are offers that are made by the insurance company while you are receiving long term disability benefits, and settlement offers. Settlement offers occur when you’ve been completely denied benefits and you’re trying to negotiate a settlement with the insurance company either right before …
Are you suffering from multiple disabilities? You may think that if you are suffering from a set of combined aliments that your claim should get approved even faster than if you only suffered from one ailment. But in fact, the opposite is true. When claimants suffer from multiple disabilities, the insurance company will use sneaky …
Multiple Disabilities: The LTD Insurance Company Must Consider Combined EffectsRead More
So you are eager to rush in and file your claim for disability benefits. That’s good. You do not want to wait too long to file your claim as you only have a limited time to file the claim, but STOP FOR JUST A MINUTE. There is one thing you must absolutely do before you …
What the Insurance Investigator Doesn’t Want You to Know During a long term disability case, it is common for the insurance investigator to request a “field interview”. First, they will call you and ask you casual questions about your health and your daily life. Do not be fooled! They are not calling to check on you because …
The United States Court of Appeals for the Eleventh Circuit is a federal court with appellate jurisdiction (authority to hear appeals) from the following district courts in Florida, Alabama, and Georgia: Middle District of Florida Northern District of Florida Southern District of Florida Middle District of Alabama Northern District of Alabama Southern District of Alabama …
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