Category: Uncategorized

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. The savvy among those entering the workforce will purchase a long-term disability (LTD) insurance policy sponsored by the […]

According to statistics from the U.S Census Bureau, about 19 million American adults of working age are unable to work due to a disability. For business owners and employees who are incapacitated, critically ill, and unable to work, disability insurance coverage offers a form of financial support or income. Over time, your insurance carrier may […]

In California, 10.4% of the population has 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. Others may be hidden to the casual observer, and this can make it harder for the sufferer to seek help. Chronic pain […]

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? People […]

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.” If you do, […]

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. […]

WHEN AN LTD CLAIM BECOMES NECESSARY 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 […]

When reviewed by the District Court, the ERISA disability denial is often — but not always — subject to the “de novo” standard of review rather than the “discretionary” standard of review. Under the “discretionary” standard of review (also known as the “abuse of discretion” standard of review, the District Court must defer to the […]

An insurance company will often deny a claim for total disability on the ground that is based solely on the claimant’s “self-reports.”  The insurance company is especially likely to assert this “self-report” defense where the claimant suffers from a condition like chronic fatigue syndrome or fibromyalgia that rarely, if ever, produces any “objective findings” on […]