Category: Blog
Lincoln Financial Disability Appeals: Avoid These Common Mistakes
Sep 17, 2019 | Blog | ShareIf you’re like many Illinois residents, you have employer-sponsored benefits from Lincoln Financial Group — and you may be running into red tape or other difficulties with your insurance adjuster. At Bryant Legal Group, we have extensive experience handling Lincoln Financial long-term disability (LTD) claims, and we want to share our unique insights. Keep reading to learn more about Lincoln Financial Group, its history of delaying claims, and how you can improve your chances of a successful LTD appeal. Lincoln Financial: One of the Largest Disability Insurance Companies in the Country Founded in 1905, Lincoln Financial Group offers a variety […]
Is Your Neck Pain Disabling? Ask Yourself These Simple Questions
Sep 10, 2019 | Blog | ShareSevere neck pain is one of the most debilitating and frustrating conditions a person can experience. It’s not uncommon for neck pain sufferers to struggle to keep up with the physical and mental demands of their jobs, which may force them to file for long-term disability (LDA) benefits. However, before you file for disability insurance benefits, it’s always a good idea to go over your medical conditions and abilities as well as other factors that might affect your claim — preferably with help from an experienced disability lawyer. In this article, we’ll bring up a series of questions that can […]
Sleep Disorders and Disability Insurance: A Claimant’s Guide
Sep 3, 2019 | Blog | ShareSleep is essential to our overall health. Studies show that when we get less than seven hours of sleep each night, we’re more likely to suffer from chronic health conditions like heart disease, diabetes, obesity, and depression. Sadly, about a third of people in the United States consistently get less sleep than they need. While some people suffer from sleep deprivation due to long nights at the office, lifestyle choices, or the demands of raising a family, others can’t get enough sleep because of medical conditions like obstructive sleep apnea (OSA). When these conditions make it impossible to work, you […]
Learn How a Disability Journal Can Help Your Disability Claim
Aug 27, 2019 | Blog | ShareAs you prepare a short or long-term disability claim, you’ll face countless questions about your symptoms, limitations, and daily activities. It can be difficult to articulate accurate, honest answers to questions about your ability to stand, lift, and walk. Thankfully, there are tools that can help. At Bryant Legal Group, we suggest keeping a disability journal to help you understand the full extent of your symptoms and limitations, giving you information that may lead to a stronger application for benefits and streamlined claim process. In this article, we explain the essentials of disability journaling and symptom tracking. What Is a […]
4 Things You Need to Know Before Filing a Disability Claim With The Hartford
Aug 20, 2019 | Blog | ShareThe Hartford is a massive insurance company. Founded more than 200 years ago, it is the second-largest provider of group life and disability insurance in the United States. The insurance company expanded significantly in 2017, when it acquired Aetna’s disability insurance business. In 2018, The Hartford made $19 billion in profits. At Bryant Legal Group, we help disabled people navigate their short and long-term disability claims with The Hartford. Over the decades, we’ve learned a lot about the company’s tactics. Keep reading to learn four essential things that every Hartford claimant needs to know. 1. Be Prepared for Surveillance The […]
Chronic Pain and Disability Insurance: A Claimant’s Guide
Aug 13, 2019 | Blog | ShareChronic pain is a frustrating and widely misunderstood condition that disables roughly 100 million Americans. A variety of circumstances can cause it — including trauma, surgery, cancer, and nerve damage. Unfortunately, this pain can persist even after the underlying condition resolves. If you’re struggling with chronic pain, you may be eligible for long-term disability benefits — but don’t be surprised if the insurance company puts up a fight and denies your claim. In this article, the disability insurance lawyers at Bryant Legal Group explain the essentials of a chronic pain syndrome claim. What Causes Chronic Pain? If you’ve suffered from […]
Can the Long-Term Disability Insurance Company Take My Social Security Backpay?
Aug 6, 2019 | Blog | ShareIf you’re on long-term disability (LTD), your insurance company might encourage you to apply for Social Security disability benefits. The company may even offer to connect you with a representative who will file your application and appeals. However, the insurance company isn’t doing this out of kindness — the company wants to reduce your LTD benefits and recover some (or all) of its payments. While you may have to repay the disability insurance company, don’t panic. You have a variety of options, and a lawyer at Bryant Legal Group can guide you through the calculations and decision-making process. Many LTD […]
Can Your Social Media Feed Hurt Your Disability Insurance Claim?
Jul 23, 2019 | Blog | ShareDuring a long-term disability (LTD) claim, you may worry that private investigators are watching your every move, but it might surprise you that most of this surveillance occurs online. Today, disability insurance companies like UNUM, MetLife, and Aetna use social media and online monitoring to deny and terminate disability claims — even when the person has a valid claim. In this article, we will discuss how the insurance company may try to use your online data against you and what you can do to combat these tactics. Modern Surveillance Starts Online Historically, surveillance involved a private investigator setting up cameras […]
According to the Substance Abuse and Mental Health Services Administration, approximately 19.7 million people (aged 12 and above) struggle with some form of substance use — including addictions to alcohol, opioids, prescription medications, and illicit drugs. Today, substance use impacts every social, economic, and demographic group. However, when substance abuse limits or eliminates your ability to work, you might find yourself battling your insurance company. Today, the disability professionals at Bryant Legal Group are going to explain how addiction can impact your long-term disability (LTD) claim. The Science of Addiction Some people still believe that addiction comes from a lack […]
UNUM Disability Claims: 4 Things You Need to Know
Jul 9, 2019 | Blog | ShareAlmost every day, we speak with people who have questions about their UNUM long-term disability claims. Unfortunately, that insurance company has a reputation for mishandling disability claims and unfounded benefits denials. At Bryant Legal Group, we’ve handled countless UNUM disability claims and understand how the company operates. While nothing compares to a personalized assessment from one of our disability lawyers, here are four things you need to know about UNUM. 1. UNUM Is One of the Largest Disability Insurance Companies in the Country UNUM is a giant in the disability insurance industry. Globally, the company’s policies cover 36 million people […]