When you’ve worked hard your entire life and suddenly can’t anymore due to illness or injury, disability insurance is supposed to be your safety net. You expect the policy you’ve paid into to provide support—but instead, you receive a denial letter. Unfortunately, denials of legitimate disability claims are all too common. At RMS Law, we’ve […]
Winning Against Unum: Overcoming the “Arbitrary and Capricious” ERISA Standard
By Marc Snyder, Esq. and Chris Harris, Esq. Litigation under ERISA is not for the faint of heart. When we took on Mundrati v. Unum, we knew the road would be long. The standard of review—arbitrary and capricious—is among the most difficult in our civil justice system. Courts must defer to the insurer’s decision unless […]
My Disability Claim Was Denied: What Should I Do?
Being denied disability benefits can be a frustrating and stressful experience. No matter how compelling your claim is or how serious your disability may be, denials are still possible. Fortunately, receiving a denial letter or notification is not the end—there are several steps you can take to appeal the decision and receive the benefits you […]
Top Reasons Disability Claims Get Denied and How to Avoid Them
Many individuals find themselves facing disability claim rejections even when they believe they have a valid case. This is an unfortunately common occurrence, as there are numerous reasons why claims can be denied. Let’s delve into the top reasons for denial and how you can navigate these challenges. […]
Can You Qualify for Long-Term Disability When Self-Employed?
Those who sustain an injury that prevents them from working have the chance to obtain disability benefits that help cover living expenses. However, this begs the question — can self-employed workers qualify for long-term disability benefits? Given how many entrepreneurs, small business owners, and other similar individuals are their own bosses working their own schedules, […]
Is it Possible to Receive Long-Term Disability for Cancer?
A cancer diagnosis is a serious, life-altering moment. Given the impact it can have on one’s life and ability to work and earn income, it’s only natural that cancer patients would consider pursuing long-term disability — and they can. If you’re interested, here’s an overview of long-term disability, why cancer can qualify, and some caveats. […]
5 Long-Term Disability Misunderstandings and Myths
Long-term disability claims are designed to provide individuals with financial support in the event they’re unable to work because of an injury or illness. They’re incredibly beneficial for preventing future lost income — and yet there are many misunderstandings surrounding them. Here’s an overview of five long-term disability misconceptions and common myths. […]
Why Were My Long-Term Disability Benefits Terminated?
A disabled employee who experienced a serious health condition can utilize their insurance policy to receive financial benefits, allowing them to pay for their medical treatments and other essential expenses. However, even if your disability claim was originally approved, there is a possibility that your provider can stop supporting you if certain conditions are met. […]
What Physicians Need to Know About Long-Term Disability
While physicians and medical providers are entrusted with the care and recovery of their patients, they, too, are still susceptible to developing illnesses and sustaining serious injuries. In fact, roughly one out of seven doctors use their disability insurance — this means that in a hospital with 70 doctors, around 10 of them may need […]
Can You Move to Another State While on Long-Term Disability?
Because each state has its own unique disability laws and programs, it’s only natural to question whether or not you can move out of state while on long-term disability. Given how receiving social security disability payments is essential for one’s continued health and financial stability, it’s important to understand how the state of your benefits […]