Video Surveillance Footage vs. Video Surveillance Summary Report
Court Questions if Insurer Actually Watched Video Surveillance Used to Deny LTD Claim, or Just Read the Report By: David A. Bryant In our September 2, 2018 blog article on the use of video surveillance in an insurer’s investigation of a disability claim, we saw how video surveillance of a long-term disability (LTD) recipient’s daily …
Disability Claimants Must Seek Timely and Adequate Care to Secure Full Benefits
Chicago Disability Lawyers: Helping You When You Need it Most If you’re suffering from a disability and are thinking about submitting a claim for benefits to your private disability insurer, or have already submitted a claim and had it denied, delayed, or otherwise mishandled, then you may be feeling somewhat overwhelmed. In the wake of …
How is Business Overhead Expense Insurance Different Than an Individual Disability Policy?
Chicago Insurance Attorney If your business is covered by private business overhead expense (BOE) insurance, you may be wondering how a claim brought under the BOE insurance plan differs from a disability benefits claim. Business overhead expense insurance is a unique and somewhat non-standard form of insurance that covers small and medium-sized businesses in the …
What Happens to Life Insurance Proceeds if the Primary Beneficiary Dies Before the Insured?
If you’re a life insurance beneficiary — primary, secondary, or tertiary — then you may be wondering how proceeds will be distributed if one of the other beneficiaries has died before the insured. When a primary beneficiary die before the insured, this can cause a significant shift in the distribution of proceeds and may impact …
Seventh Circuit: ERISA Plan Can Be Penalized for Failure to Disclose Fee Schedules and Rate Tables used to Determine Usual, Reasonable, and Customary Rate
By: David A. Bryant How insurance plans determine “usual, reasonable, and customary” pay rates for healthcare claims submitted by out-of-network (“OON”) providers is a frequent bone of contention in medical reimbursement disputes. In the recent matter of Griffin v. Teamcare, the Seventh Circuit addressed the issue of whether a medical provider who had obtained an …
Residual Benefits in Private Disability Policies
If you are suffering from an injury, illness, or other condition that has rendered you incapable of performing the duties of your occupation — even if only partially — then you may be entitled to significant benefits under your private disability insurance policy. Depending on the particularities of your insurance plan, residual or partial benefits …
Jennifer Danish Honored as 2018 40 Attorneys Under Forty
The Chicago Law Bulletin Publishing Company selected Jennifer Danish as one of the 40 Under Forty Attorneys to Watch out of more than 1,500 nominations for attorneys throughout Illinois. Lawyers nominating her cite her hard work and: “What distinguishes Jennifer is her passion and genuine desire to help our clients through the difficult maze of …
Jennifer Danish Successful in Getting Client a New Hearing
United States District Judge Sara Darrow of the Central District of Illinois, Urbana Division, issued an Order on September 21, 2018 granting Plaintiff’s Motion for Summary Judgment in so far as it sought a remand. Campbell v. Berryhill, No. 2:17-cv-02036-SLD-EIL (C.D. Ill. Sept. 21, 2018).
Not All Deaths Are Covered by Life Insurance
If you are the beneficiary of a life insurance policy — whether in Illinois or elsewhere — then you may find that the insurer unexpectedly denies your claim on the basis of an exclusion written into the policy (that you were not aware of). This can put you in a uniquely vulnerable position as a …
Seventh Circuit: “Unfortunate Circumstances” Not Enough to Warrant Pension Payments to Deceased Worker’s Daughter
By: David A. Bryant Mother Died Three Days Before Pension Payments Would Have Vested With Daughter In a truly unfortunate set of circumstances, a woman who worked for 37 years at a Wisconsin children’s hospital passed away three days after her retirement date, with her pension payments set to begin another three days after he …