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ERISA LAW BLOG

What is the difference between short term disability (STD) and long term disability (LTD)?

What is the difference between short term disability (STD) and long term disability (LTD)?

I am writing this post because I think it is important for clients and potential clients to be able to distinguish between a claim for STD (short term disability) benefits and a claim for LTD (long term disability) benefits.  An individual should file a STD claim when he/she anticipates being out of work for a ...

Two-levels of Internal Appeals

Two-levels of Internal Appeals

Every insurance company has an internal appeals process that typically must be exhausted before a claimant is able to file a law suit under ERISA.  Several companies, however, often have two levels of internal appeals which give rise to the question: does that mean a claimant must exhaust the second level of appeal?  The short ...

Why Surveillance Can Make or Break Your Disability Claim

Why Surveillance Can Make or Break Your Disability Claim

I am writing this blog to follow up on my previous blog on social media and short term/long term disability claims.    Another insurance company tactic that all short term/long term disability claimants should be aware of is surveillance.  Insurance companies can and do hire outside investigators to perform surveillance on claimants.  Insurance companies also very ...

The Wheels of Justice Grind Slowly at Times

I had a professor in law school that would frequently use that quote when describing various components of the legal process. As unfortunate as it may be sometimes, it often rings true.  We live in a fast-paced society that is only getting faster. Between two-day, online delivery and lightning-quick smartphones, consumers want, and expect, everything ...

Social Media and Short Term/Long Term Disability Claims

Today’s world is dominated by social media.  Many clients do not realize, however, that social media can have an adverse effect on a short term/long term disability claim.  There has been an increasing trend by insurance companies to use social media, in part, to deny an individual’s disability claim.  It is an important trend that ...

The Importance of the Doctor’s Statement

A frequent issue that arises at the onset of ERISA claims is the ability of a client to get a statement from his or her treating physician to be used in support of the claim of disability. Getting a statement from your own doctor is a crucial step in the process. Moreover, the language in ...

“Why is Standard/PEBA taking so long to make a decision on my State of South Carolina long term disability appeal?”

This is a question I get asked quite often by clients of mine who are State of South Carolina employees.  When a long term disability claim is denied for a State of South Carolina employee, there are two levels of appeal.  The first level of appeal is to Standard Insurance Company.  If Standard denies the ...

December 2017 Approvals

I’m a little bit behind from the holidays in posting the approvals that we received at the end of last year, but please see the below list.  If you have a denial of benefits from any of the below insurance companies or have a similar medical condition and have been denied, please feel free to ...

October 2017 Appeal Approvals

Most of the disability cases that come to us are still in the appeal phase.  What that means is we have an administrative appeal that must be exhausted prior to filing a lawsuit in Federal District Court.  While I normally explain cases to potential clients, by giving them a worst case scenario, administrative appeals are ...

Do I Need An Attorney to Appeal the Denial of My Disability Benefits?

Almost every day, I’m asked by potential or current clients, “Do I need an attorney for the appeal process?”  Invariably, that answer is “Yes.”  While the insurer or your claims person from the insurance company may tell you that you do not need an attorney and that if you simply submit your own appeal they ...

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