Monthly Archives: October 2009

What You Need To Know Before Filing Your LTD Claim – #1 Know Your Policy

This should go without saying, but unfortunately, it bears repeating — KNOW YOUR POLICY. Your long-term disability policy controls how your claim is handled and your disability evaluated. Get a copy of your long-term disability benefits policy and a copy of the summary plan description as soon as possible. Do this before filing your claim….

Disability Benefits Depend On A “Frequently” Used Word

At least that was the decision of the United States Fifth Circuit Court of Appeal in the case of Robert R. Burtch v. Hartford Life and Accident Insurance Company (Case No. 08-30513, filed March 19, 2009). The decision was reached because Mr. Burtch was required to walk “frequently” in his job, but the Hartford’s consulting…

An Overview of What’s To Come – Applying For Long-Term Disability Benefits

Over the next few days, weeks, and months, we will provide you the information learned from our practice and research that may help you navigate the difficult process of long-term disability benefits.  From time to time, we will provide you updates on relevant and important developments in the legal system that may affect how your…

Long-Term Disabilities — More Likely Than Death

The Disability Management Source book estimates that over the last 25 years, the number of working people between the ages of 17 and 44 that suffered from a severe disability increased over 400%. According to the Council for Disability Awareness (www.disabilitycanhappen.org), long-term disabilities have grown four times faster than the increase in the number of…