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During a long-term disability (LTD) claim, your medical records and history get a lot of attention. Your lawyer and the insurance company will pore over every diagnosis, test, and recommendation in...

Unlike some states, Illinois law requires that federal courts apply a de novo standard of review in long-term disability (LTD) claims if the coverage was issued or offered in Illinois. Judges can...

If your short-term term or long-term disability insurance plan includes any potential vulnerabilities, that’s okay — you are not without options.  Illinois law requires that ambiguous provisions be interpreted in...