What to Do If Your Employer Stops Paying Disability Benefits Mid-Claim
Receiving disability insurance benefits can bring much-needed financial stability when you’re unable to work due to an injury, disease, or medical condition. When those payments suddenly stop, the stress can be overwhelming. Many employees assume that once their benefits begin, they’ll continue until they recover or reach the policy’s end date, but that’s not always […]
Social Security Disability (SSD) & Private Disability Insurance: How They Differ and How We Can Help
When an injury or illness prevents you from working, your focus quickly shifts to maintaining your income and protecting your financial security. Two common safety nets come into play during these difficult times: Social Security Disability (SSD) benefits and private disability insurance. While both provide critical support, they operate under different rules, standards, and expectations. […]
Compassionate Allowances and Disability Claims: SSA’s 2025 Updates You Need to Know
For individuals living with severe medical conditions, the wait for disability benefits can feel overwhelming. The Social Security Administration (SSA) recognizes this, which is why it created the Compassionate Allowances (CAL) program. In 2025, the SSA expanded the program once again, adding new qualifying conditions to help applicants get decisions more quickly. At RMS Law, […]
Can’t Work After an Accident? How Personal Injury and Disability Claims Work Together
A serious accident can affect every part of your life, from your ability to work to your physical comfort, financial stability, and long-term health. But many people don’t realize that personal injury claims and disability insurance benefits are two different legal paths, and they may be entitled to both. At RMS Law, our attorneys help […]
Why Insurance Companies Deny Legitimate Disability Claims—and What You Can Do About It
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 […]