Tag: Disability

Fatigue: When Your Options are Exhausted

If you struggle and can’t function normally due to fatigue, you may wonder if this feeling of exhaustion is just something you have to deal with as a part of your medical condition or if there is something that can and should be documented as part of a disability claim. Fatigue, as defined in most …

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Cardiomyopathy, CAD and Your Disability Claim

Many people diagnosed with chronic heart disease are fortunate enough to be able to return to work and to function in a manner that is similar to their work life prior to their diagnosis. Conversely, there are those who suffer such severe symptoms of the disease that they will never be able to return to …

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How A Recent Court Decision May Affect Your Disability Claim

There is a new decision that affects what happens when claimants are disabled by a combination of physical conditions and a mental illness resulting from the initial physical problems.  An example of this is a claimant who is experiencing a total disability resulting from degenerative back pain that leads to depression caused by the pain and …

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4 Ways Insurance Companies Fight Back Pain Disability Claims

Degenerative back conditions are a leading cause of disability and one of the main issues experienced by many of our clients.  Certain activities and professions can aggravate these symptoms into a condition that makes working almost impossible.  Many dentists find themselves unable to practice when their back pain renders them unable to sit in chairs for …

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New ERISA Regulations and How They Affect Your Disability Claim

As we have mentioned in previous blog posts, there are new regulations for disability claims on the horizon.  The Department of Labor’s new regulations governing disability claims and appeals published on December 19, 2016 will go into effect on April 1, 2018.  The goals of the new regulations are to help claimants by strengthening the disability claims rules …

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Be Aware of Methods to Limit and Deny Your Disability Claim

During your disability claim, insurers will employ many different strategies to  avoid paying the disability benefits you deserve.  One of the main strategies used by insurance companies is to redefine your physical disability as a psychological conditions or accuse you of not being properly motivated to return to work.  This article summarizes the viewpoints of …

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The Validity of Disability Insurance Reviews

If you have dealt with disability insurance plans before, you already know that most ERISA plans require a review, commonly after 24 months, determining whether the claimant can perform “any occupation.” This review usually involves a Vocational Assessment examining what “other occupations” and earnings are available given the claimant’s education, skills and experience.  Recently, courts …

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What to Expect During a Disability Claim Field Interview

At some point after you’ve filed a disability insurance claim, your disability insurance company may contact you to arrange a field interview.  A field interview is when a disability insurer hires a representative to come meet with you face-to-face to talk about your benefit claim.  Many times, the field representative will ask to meet at …

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How Exertion Levels Affect Your Disability Claim

The Dictionary of Occupational Titles (DOT) contains definitions of various exertion levels that are used to place different jobs within categories based on the level of strength required to perform each job. You may have noticed these categories listed on claim forms, or referred to in functional capacity evaluation(FCE) reports or independent medical evaluations (IME) reports. In this post, …

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A Valuable Asset for You and Your Clients

As an insurance agent, you can be one of your client’s most valuable assets when they need to file a claim for disability benefits. However, it can often be an awkward process to get involved between the insurance company who writes most of your business and clients who may be denied benefits and are increasingly upset …

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