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Young female nurse helping a happy elderly woman recovering from injury, walking with crutches during home care physiotherapy for rehabilitation and independent living

What To Do Before and After an IME Appointment

December. 22, 2025

Independent medical examinations (IMEs) are often less “independent” than the term suggests. Disability insurers work closely with a network of doctors and medical providers whose primary goal is to build a case...

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What to Do if The Standard Denies Your Long-Term Disability Claim

February. 25, 2025

With more than $1 billion worth of in-force premiums as of 2022, Standard Insurance Company—more commonly branded as The Standard—is one of America’s largest providers of long-term disability insurance. Their...

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How to Appeal a MetLife Long-Term Disability Denial

October. 10, 2024

Metropolitan Life Insurance Company—more commonly known as MetLife—is one of the world’s largest financial services companies. While MetLife is typically associated with life insurance and financial services, the company has...

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How to Appeal a Prudential Long-Term Disability Denial

September. 12, 2024

With nearly $1 billion in in-force premiums, Prudential Financial (via its subsidiary, Prudential Insurance Company of America) is one of the 10 largest providers of long-term disability insurance plans in...

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How to Appeal a New York Life Long-Term Disability Denial

August. 1, 2024

New York Life Insurance Company is one of the largest long-term disability insurance providers in the country, with roughly $1.5 billion in in-force premiums. That includes premiums from 9 million...

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How to Appeal a Guardian Long-Term Disability Denial

December. 12, 2023

With more than $23 million in in-force premiums, Guardian Life Insurance Company (often through its subsidiary Berkshire Life Insurance Company) is one of the largest providers of group disability insurance...

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How to Appeal a Unum Disability Denial

February. 27, 2023

Unum is one of the largest insurance companies in the United States. According to recent research published by Statista, Unum (along with Unum group companies including Paul Revere Life Insurance...

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Why Was My Lincoln Financial Disability Claim Denied?

December. 19, 2022

With nearly $20 billion in annual revenue (and a net profit of $1.4 billion in 2021), Lincoln Financial Group is easily one of the largest financial services and insurance companies...

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What to Look for in a Prudential Long-Term Disability Lawyer

October. 24, 2022

The Prudential Insurance Company of America or Prudential Financial (often called “Prudential” for short) is one of the world’s largest and most successful financial services and insurance companies. Although the...

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Can UNUM Deny Short-Term Disability Benefits Due to a Pre-Existing Condition?

January. 25, 2022

Pre-existing condition clauses and limitations are relatively rare in short-term disability insurance policies. However, you should never assume that UNUM did not sneak exclusions and exceptions into the fine print...

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4 Ways Aetna Tries to Deny Long-Term Disability Claims (And How You Can Strengthen Your Case)

December. 22, 2021

Aetna, as part of The Hartford, is one of the nation’s leading disability insurance providers. Aetna’s policies promised to provide financial security to policyholders who cannot work due to an...

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UNUM’s Dirty Tricks: How the Company Approaches Short-Term Disability Claims

April. 20, 2021

If you are researching UNUM disability insurance claims, you have probably read a lot of worrisome things. The company is notorious for wrongfully denying claims and prioritizing profits over its...

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