Knee Replacement and Disability Insurance: A Claimant’s Guide
Most of us will experience knee pain during our lifetimes. This pain can stop us from doing the things we love, and it can even rule out simple activities like taking a walk or sitting down comfortably to read a book. When knee pain gets this severe, a knee replacement may offer much-needed relief. However, …
5 FAQs About Private Disability Insurance Claims
When you research disability insurance benefits, most of the information you’ll find addresses employer-sponsored disability plans. However, many people, especially self-employed individuals, purchase private or individual disability insurance as a safety net. You might not realize that private long-term disability (LTD) insurance claims involve a different set of rules than their employer-sponsored counterparts. In this …
Sleep Disorders and Disability Insurance: A Claimant’s Guide
Sleep 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 …
Chronic Pain and Disability Insurance: A Claimant’s Guide
Chronic 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 …
Can the Long-Term Disability Insurance Company Take My Social Security Backpay?
If 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 …
Can Your Social Media Feed Hurt Your Disability Insurance Claim?
During 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 …
TBI and Disability Insurance: A Claimant’s Guide
Over the past several years, public awareness of traumatic brain injuries (TBI) has dramatically increased. While this awareness is leading to earlier diagnoses and proactive treatment, TBI is still a widely misunderstood condition. If you or a loved one can no longer maintain full-time employment due to a traumatic brain injury, it may be time …
Heart Disease and Long-Term Disability Insurance: A Claimant’s Guide
If you’re living with heart disease and struggling to maintain steady employment, you’re not alone. Every 40 seconds, someone in the United States has a heart attack. Nationwide, we lose hundreds of billions of dollars in productivity every year due to cardiac issues like coronary artery disease and heart failure. At Bryant Legal Group, we …
Stroke and Disability Insurance: A Claimant’s Guide, FAST for Stroke
Someone in the United States experiences a stroke every 40 seconds. During a stroke, survivors can suffer permanent brain damage that negatively impacts their ability to think, move, communicate, and perform their daily routine. In many cases, survivors can no longer work, so they turn to short-term and long-term disability policies for financial support. If you or …
COPD and Disability Insurance: A Claimant’s Guide
COPD can make even simple activities like walking to your mailbox difficult. While you may be painfully aware of how COPD and other breathing conditions impact your life, many people don’t realize how they impact long-term disability claims. Below, the disability insurance lawyers at Bryant Legal Group discuss how COPD affects your body, how it’s diagnosed, and …