LTD Claim Denials for Orthopedic Surgeons – We Will Fight for You

In 2020, American healthcare and social services professionals had the most illnesses and injuries of any industry. They saw a 249 percent increase compared to previous years. If you’re an orthopedic surgeon, you could be at risk. Do you have long-term disability insurance? Have you suffered a disabling illness or injury that prevents you from […]

How to Avoid the Obstacles of Long-Term-Care Claim Denials?

Receiving a claim denial on your long-term care coverage is the beginning not the end. In fact, anywhere from one-quarter to one-third of patients will have their claims denied from the ages of 60 to 69. That’s deeply concerning when you need your long term care benefits. In this article, we hope to help you […]

What Activities of Daily Living (ADLs) Trigger Long-Term Care Insurance Benefits?

Activities of daily living (ADLs) are a list of general activities necessary for one to function and live independently in a household. The six standard ADLs are generally recognized as bathing, dressing, toileting, transferring (getting in and out of bed or chair), eating, and continence. ADLs are the most common triggers used by insurance companies […]

What Are Cognitive Impairments That Trigger Long Term Care Benefits?

Long term care insurance can provide daily benefits for individuals who cannot perform two of the six classified activities of daily living (ADLs) or who suffer from cognitive impairment. Cognitive impairment is the deterioration or loss in mental capacity that poses a danger to oneself and others. These individuals require substantial supervision to protect themselves […]

What If My Long-Term Care Policy Lapses?

Why It Lapses  If you don’t pay your premium, your long-term care insurance policy (LTC policy)  coverage will lapse. Protection From Lapsed Coverage Most LTC policies have provide for lapse protection, in addition, to minimum requirements of state laws. Usually, the application requests the name of a designated individual who will receive a notice for […]

The Many Challenges of Receiving Disability Claim for Pain

Pain pops up everywhere. A 2019 study found that 10% of American workers experienced lower back pain that caused them to lose time at work. This statistic accounts for only a fraction of the pain that Americans experience daily. If you experience debilitating pain, you should look into receiving disability benefits. But you need to […]

Types of Pain & Challenges of Receiving Disability Claim for Pain

There are several different types of pain. It’s possible to experience more than one type at the same time. Identifying the type of pain may help your healthcare professional narrow down the potential causes and develop a treatment plan. Nociceptive Pain Nociceptive pain is caused by tissue damage such as cuts and burns. It may […]

United of Omaha Must Reconsider Legal Assistant Disability Claim

Nov. 10, 2021 Case governed by DOL regulations that have since been updated Claimant entitled to see doctor reports related to her claim United of Omaha Life Insurance Co. mishandled a legal assistant’s claim for disability benefits by denying her an opportunity to review and respond to a doctor’s report it relied on in terminating […]

How to Get Long-Term Disability Benefits for Chronic Pain?

Having an attorney who has years of experience representing individuals with chronic panic symptoms in the LTD process can be the difference between getting approved or denied. If you have a friend or loved one diagnosed with an illness that is known to cause chronic pain and you want to help, talking to an attorney […]