Kidney Disease and Disability Insurance: A Claimant’s Guide

Aug 13, 2020 | Blog |

Chronic kidney disease (CKD) is much more common than you think. About 37 million people live with CKD, and many more cases are undiagnosed. Kidney disease is the ninth leading cause of death in the United States; every day, about 340 people start dialysis. Many people assume they need to be in kidney failure before they qualify for long-term disability benefits. At Bryant Legal Group, we help people get the disability insurance benefits they deserve, even before they require dialysis or a kidney transplant. Keep reading to learn more. What Is the Difference Between Chronic Kidney Disease and Kidney Failure? […]

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Dentists and Long-Term Disability

Aug 12, 2020 | Blog |

Dentists, orthodontists, endodontists, and other dental professionals often purchase long-term disability (LTD) insurance as a safety net. Many of these providers have built thriving businesses, and they know that an unexpected illness, injury, or disability can endanger everything they’ve worked for. However, you may be surprised to discover that dentists, like many other professionals, have a hard time getting the disability insurance benefits they deserve. At Bryant Legal Group, we represent dentists and other medical professionals in their ERISA and private disability insurance claims. Here, we outline some important factors you need to consider as you prepare your LTD claim. […]

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Lupus and Disability Insurance: A Claimant’s Guide

Aug 7, 2020 | Blog |

An estimated 1.5 million people live with lupus in the United States, and roughly 16,000 more are diagnosed each year. If you’re living with this complicated disease, you know its challenges first-hand. Lupus is hard to diagnose and treat, and many people won’t understand how this “invisible” condition affects your life. At Bryant Legal Group, we’re here to help. Our lawyers assist people living with lupus and other autoimmune disorders through their disability insurance claims. In this article, we discuss the essentials of lupus-related claims and suggest some simple ways you can strengthen your application for benefits. (Please note that […]

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I’m Still Working. Can I Apply for Disability Insurance?

Aug 4, 2020 | Blog |

If you have a serious medical condition, you may worry that you’ll soon be unable to keep up with the demands of your job. In fact, one of the most common questions we hear is, “Can I apply for disability insurance if I’m still working?” The answer is that you typically cannot receive disability insurance benefits before you leave your job — but you can start preparing your claim. In this article, our disability insurance lawyers explain the basics of a disability insurance application. We’ll also give you a disability checklist that will help you prepare your claim. Chronic and […]

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How Long Can You Be on Disability Insurance for Depression and Other Mental Health Conditions?

Jul 28, 2020 | Blog |

When you live with depression, anxiety, bipolar disorder, or another mental health condition, it can be hard to maintain employment. At Bryant Legal Group, we know how frustrating it is to suddenly find yourself unable to control your symptoms, especially if you’ve worked hard to build your career. Insurance companies, however, take a different view. Because they’re for-profit companies, insurers see long-term disability claims for mental health conditions as an expensive burden. That’s why insurance companies often add limitations and exclusions that can affect your ability to get long-term disability benefits for mental illness. Most (but not all) group long-term […]

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Are There Waiting Periods for Long-Term Disability?

Jul 21, 2020 | Blog |

When you’re unable to work due to an injury, illness, or chronic condition, the last thing you want to do is wait for disability insurance benefits. Unfortunately, many short-term and long-term disability policies contain “elimination periods” that must pass before you can receive compensation. What Is an Elimination Period? Under most disability insurance policies, you must wait a period of time before the insurer will pay out your benefits. This waiting period is called the elimination period. Most short-term disability policies have an elimination period of between 0 and 14 days. Long-term disability policies have varying waiting periods, but 90 […]

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UNUM’s Dirty Tricks: How to Beat an IME

Jul 17, 2020 | Blog |

Let’s be clear: there is nothing “independent” about UNUM’s medical examinations. The disability insurer works closely with a network of doctors and medical providers whose primary goal is building cases against you and other UNUM claimants. If an insurance adjuster schedules you for an IME (independent medical examination), you need to be prepared. However, you can beat a UNUM IME. As part of our UNUM series, Bryant Legal Group outlines the IME process, discusses some IME doctor tricks, and explains how you can protect your long-term disability claim from a damaging IME report. What Is an “Independent Medical Examination?” Most […]

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UNUM Field Visits: How to Protect Your Privacy and LTD Claim

Jul 14, 2020 | Blog |

“It’s easier if we talk this over face-to-face,” says your UNUM claims adjuster. “We’ll drive to your home to go over the paperwork.” They suggest an in-person meeting. Unfortunately, UNUM’s field visits aren’t always designed for your benefit. Like many long-term disability insurance companies, UNUM uses these interviews as an opportunity to investigate claimants, and at times, discredit them.  At Bryant Legal Group, we’ve handled many UNUM long-term disability claims that involve both employer-sponsored and private insurance plans. We’ve seen most of the company’s tactics firsthand, and we can help you combat them. In the second part of our UNUM […]

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UNUM’s Dirty Tricks: Tying Compensation to Denied Claims

Jul 7, 2020 | Blog |

UNUM is one of the United States’ largest insurers and is notorious for denying long-term disability claims. At Bryant Legal Group, we fight for disabled claimants, helping them get the benefits they deserve. Over the years, we’ve handled many claims against UNUM, both involving employer-sponsored and private insurance policies. In our UNUM series, our team of disability insurance lawyers will explore the many reasons behind the insurance company’s frequent denials. Here, you’ll learn how financial incentives can skew UNUM’s claim decisions. As UNUM Grew, It Inherited Lots of Expensive, Private LTD Policies For high-net-worth professionals, private long-term disability policies are […]

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Infectious Diseases and Disability Insurance: A Claimant’s Guide

Jul 1, 2020 | Blog |

Today, more than ever, we’re painfully aware of how infectious diseases can dramatically impact your life. Whether you’re dealing with coronavirus, influenza, MRSA, C. Diff, or another disease, you’ll likely need time to rest and recover before you return to work. And, due to some diseases’ severe symptoms and long-term effects, you may become permanently disabled. At Bryant Legal Group, we want to help you regain control. Our disability insurance lawyers help people living with both acute and chronic diseases with their long-term and short-term disability claims. In this article, we’ll explain the basics of a disability claim involving an […]

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Bryant Legal Group - Chicago Healthcare and Disability Attorneys

Testimonials

"Mr Bryant, his partner Jennifer Danish and associate Steve Jackson were efficient, diligent and persistent towards finding a just resolution and favorable outcome for myself and my entire company."

"I used Jennifer Danish for a disability claim. Frustrated that I couldn’t get results myself I found her. She unearthed some issues my doctor did Not notify me of that affect the quality of my life. My end result was positive!"

"Mr. Jackson did an outstanding job in relation to my case. He insured I was. Both prepared as well as informed regarding the hearing. I would highly recommend his skills and personal dedication to the client."

"Though difficult for the obvious reasons, your involvement has made this process infinitely more tolerable. Please know of my sincere appreciation for your efforts. With Very Best Regards,"

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