Category Archives: Disability Insurance
Disability Insurance Tips
It is often very difficult to prove that your symptoms are disabling, especially if the insurance company is demanding “objective evidence”. How do you prove your level of pain? There is a test that can help. Called a Functional Capacity Exam (FCE) a qualified therapist can help determine how your symptoms and conditions effect your… Read More »
Disability Claim Tips
When most people are forced to apply for disability benefits, they assume the insurance company will obtain copies of all of their medical records. They may … or they may not! Be proactive and ask your doctors to send the pertinent records on your own. This can help avoid long delays in your claim.
Disability Insurance Tips
More and more frequently, large national firms are advertising that they handle long term disability cases in Colorado. However, there are many advantages to hiring a local attorney, including familiarity with the Colorado Court system and judges, and the case law that controls your case. Arguments that may work in New York frankly may not… Read More »
Disability Claim Tips
In most cases, there are deadlines to apply for disability benefits under your insurance policy. In some policies, the insurer has also included deadlines for how long you have to file suit. If you are thinking about applying for short term disability or long tern disability, obtain a copy of your policy right away!
Disability Claim Tips
When you are sick, or injured, it is always important to tell your doctor everything. This information can be critical in helping you get well but can also be important in how an insurance company evaluates your disability claim. If you don’t tell your doctors how you are feeling, it may not exist for the… Read More »
Emergency Extension of Deadlines in COBRA Benefits
Losing a job is difficult for anyone. Applying for continued health insurance benefits under COBRA or State law can be complicated (just as with any employment benefits, including short term disability and long term disability benefits). The insurance companies set up countless deadlines and procedures to trap the unwary. More and more often, these companies… Read More »
ERISA (LTD and STD) and COVID
Did you know that the deadlines for filing for certain medical and disability benefits, and appealing denied claims, has been extended by the US Department of Labor during the COVID-19 pandemic? If your claim was denied as “too late”, talk to an experienced ERISA lawyer right away. DOL emergency regulations that have tolled (suspended) all… Read More »
After the Complaint …. What Next?
The litigation process has several stages. The first is the “pleading” stage. This starts when you initiate the lawsuit by filing a Complaint, and ends when the defendant files an Answer (or Motion to Dismiss). This phase frames the basic issues in the case. The Complaint sets out the claims for relief … the Answer… Read More »
Health Insurance v. Med-pay
We are often asked questions about what insurance someone should buy. One of the most common questions is why pay extra for med-pay on my car, when I already pay for health insurance? There is no “right” answer. But there are good reasons to consider a med-pay policy on your car, even if you have… Read More »
COVID and disability benefits
If you, are a loved one, are fighting with long term symptoms of COVID and are having problems getting needed short or long tern disability benefits, call us today. This is a new area of the law, and you need experienced aggressive representation today! https://news.wttw.com/2021/04/26/what-point-does-covid-19-infection-become-disability