Category Archives: Disability Insurance
Keeping a Journal Can Help Protect Your Rights in a Long-Term Disability Claim
Chronic health conditions can quickly progress to the point where they result in long-term disabilities. Unfortunately, previous doctor visits and missed days from your job may have depleted your savings and left you with large amounts of outstanding medical debts. Planning how to afford monthly expenses once you reach the point that you are… Read More »
Protect Yourself Against Five Common Causes of Long-Term Disabilities
In the course of keeping up with your work, home, and social obligations, there are times when preventative health maintenance can end up taking a back seat. Unfortunately, neglecting to stay on top of chronic conditions you suffer from and not addressing what may seem like relatively minor symptoms can have major impacts on… Read More »
How Much Long-Term Disability Insurance Do I Need?
Long-term disability insurance can help to ensure you have a steady income in the event accidental injuries, illnesses, or chronic health conditions keep you from being able to work. Considering the high number of people who suffer disabilities each year, making sure you are covered before you actually need it is a smart financial… Read More »
How Will an Independent Medical Exam Impact My Rights to Disability Benefits?
Despite having clear documentation from your doctor, you may still have to participate in an independent medical exam (IME) before employer provided long-term disability benefits are approved. Unfortunately, while the doctor involved is supposed to be impartial, insurers are often able to use information obtained during this appointment as a reason to deny, delay,… Read More »
Protecting Yourself Against Denied Disability Claims
When long-term disabilities occur as a result of an injury or illness benefits you may be entitled to through insurance policies that are in place can provide you with the income you need to support yourself and your loved ones. Unfortunately, in too many cases, claims end up being denied. When this happens, it… Read More »
Five Important Steps in Filing an ERISA Long-Term Disability Claim
ERISA is a set of complex federal laws which governs employer provided health plans and other types of benefits. It provides protection for workers by providing clear guidelines in filing claims and in handling appeals when benefits are denied. As an experienced Jacksonville long-term disability attorney, we have spent decades studying these laws and… Read More »
Statements Required by Insurers When Filing a Long-Term Disability
In the event you suffer injuries or illnesses that result in long-term disabilities that prevent you from working, benefits provided through your employer provide a safety net. Unfortunately, obtaining these benefits means dealing with insurance companies who are notorious for either denying or undervaluing claims. Statements they obtain from you, your medical providers, and… Read More »
Suffering From Back Pain and Wondering About Long-Term Disability Benefits?
Chronic back pain is something that many people suffer with. Depending on the severity, the impacts you experience as a result can keep you from working or performing certain tasks on your job, making you eligible for long-term disability benefits. The following highlights the types of back injuries that are generally covered and steps… Read More »
Long-Term Disability Benefits Due to Head Injuries
Long-term disabilities can result from accidental injuries. These happen in a variety of different situations and have the potential to impact every area of your life. Blows or jolts to the head are one of the most common types and even a minor mishap can leave you suffering permanent impairments which prevent you from… Read More »
Four Ways to Maximize Your Social Security Disability Benefits
If you become disabled and are unable to work, you may be entitled to Social Security disability benefits. Unfortunately, many claimants fail to get the maximum amount they are entitled to. Regardless of your current health, there are some steps you can take to ensure you get the benefits you need and to maximize… Read More »
