People have tremendous power behind the wheel, so we have a great responsibility to operate such heavy machinery with the utmost care and knowledge of the road. Yet, car accidents are a leading cause of personal injuries and fatalities in the United States.
The Corruption of the IME Physician
In California, employees who are involved in a workplace accident may be eligible to seek benefits through a workers' compensation claim. When an injured or disabled employee files a claim, the workers' compensation insurance provider is entitled to perform an independent medical examination (IME) to verify the employee's injuries or disability and approve their disability insurance claims.
What to Do When Your Disability Claim Is Denied
If you cannot work because of a medical condition, having your Social Security disability denied can be a stressful and frustrating experience. “If I cannot rely on disability benefits and have no income, how am I supposed to pay my bills?” you might wonder.
How Insurers Cherry-Pick Medical Records to Deny Claims
According to the Council for Disability Awareness, about one in every four of today’s 20-year-olds will suffer a disabling condition before they retire and will face a period of three months or longer when they cannot work.
What You Should Consider Before Taking a Buyout
The decision to accept a disability insurance buyout can be financial and emotional. A skilled California disability insurance claims attorney can evaluate your unique circumstances and enlighten you about the factors to consider before you take the disability insurer’s settlement offer.
Long-Term Disability for People with Chronic Pain
In California, 10.4% of the population have some kind of disability. Some of these disabilities are observable by those around you, such as a condition in which you’d have to use a wheelchair.
Common Mistakes When Filing a Long-Term Disability Claim
No one in their 20s expects an unfortunate disease or event to keep them from working before reaching retirement. However, one in four of today’s 20-year-olds will face a disabling condition before retirement age that keeps them from working for a year or more, according to statistics. How many are prepared for that possibility?
Insurance Companies’ Use of Surveillance to Deny a Claim
The California Department of Insurance regulates the insurance industry in the state. If you suspect your insurance company has been surveilling you while you’re out on a workers’ compensation claim, a disability claim, or even a personal injury (auto accident) claim, you can go to the department’s website and search for “surveillance.”
Can Long Haul COVID Be the Basis for a Disability Claim?
Millions of people around the world are COVID long haulers, which means they are experiencing symptoms of the disease many months after having an acute bout of the illness. The Journal of the American Medical Association performed a comprehensive analysis of studies and found that more than half of COVID patients suffer from long-haul symptoms.
Insurance Company Tactics for Denying a Long-Term Disability Claim
People with lupus, multiple sclerosis, fibromyalgia, arthritis, spinal stenosis, depression and other serious conditions often work with serious challenges that many people do not understand. Despite engaging in a heroic struggle to remain on the job, a person afflicted with such a condition may reach a point where he or she can simply no longer work full time or work at all.