Depression, Anxiety, and Disability Insurance: A Claimant’s Guide 

Apr 16, 2019 | Blog |

Globally, depression is the number one cause of disability. While mental health conditions are finally getting the attention they deserve, long-term disability (LTD) insurance companies are still reluctant to approve and pay claims related to depression and anxiety. If you’re considering an LTD claim for depression or anxiety, you need to review your plan documents carefully and prepare your evidence. Keep reading to learn more about the essentials of a successful mental health LTD claim. What Is Depression? Depression is much more than just feelings of sadness. You may suffer from major depressive disorder if you experience: Persistent sadness or […]

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ERISA: When do “Lifetime” Healthcare Benefits Last a Lifetime?

Apr 10, 2019 | Blog |

District Court Rules that Pension’s Healthcare Benefits Last a Lifetime By: Andrew B. Bryant The Northern District of Illinois recently addressed the question of whether healthcare insurance benefits under an ERISA pension plan lasted for a lifetime for two plaintiff retirees, despite the termination of the collecting bargaining agreement that established those benefits.   In Its analysis, the Court noted that unlike pension benefits, insurance benefits (such as healthcare benefits) do not automatically vest by contract to plan members.  Such benefits can be terminated by an employer.   However, a plan agreement may by its terms vest such insurance benefits to plan […]

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Do You Know the Deadline for Filing Your ERISA Claim?

Apr 9, 2019 | Blog |

Do You Know the Deadline for Filing Your ERISA Claim? Even if You Think You Do, You May Be Wrong While ERISA claims come with many obstacles, one of the most challenging is a disability insurance company’s right to shorten their plans’ appeal deadlines. Unfortunately, courts won’t give disabled workers and professionals who miss these deadlines much (if any) leeway. Unfortunately, once a deadline expires, it’s usually too late, and you’ll lose your right to benefits. The team at Bryant Legal Group is happy to meet with people who have missed their appeal deadline and will be there to guide […]

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Multiple Sclerosis and Disability Insurance: A Claimant’s Guide 

Apr 3, 2019 | Blog |

A multiple sclerosis (MS) diagnosis leads to a lot of questions, and you’re likely hearing conflicting information about your chances of receiving long-term disability (LTD) benefits. Keep reading to learn more about LTD benefits for MS, why this process is so complicated, and how you can strengthen your claim. What Is Multiple Sclerosis (MS)? Multiple sclerosis is a disease of the central nervous system that causes your immune system to attack your myelin, a fatty substance that covers and protects your nerves. When myelin is lost or damaged, plaque or scarring builds up on the nerves, making it more difficult […]

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Individual vs. Group Disability Income Insurance

Feb 15, 2019 | Blog |

Chicago Disability Lawyers Whether you have purchased individual or group (i.e., employer-sponsored) disability coverage can have a significant impact on your premiums, duties, and — eventually — ability to recover benefits. Many would-be insureds do not realize that there are material differences between individual and group disability insurance coverage, and simply choose a plan based on the projected cost.  Though cost is a perfectly reasonable factor to consider when choosing a disability policy, it’s also important to evaluate how the unique aspects of each policy might affect its “true value” given the circumstances. Consider the following. ERISA Qualification Group disability […]

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Life Insurance: Understanding Pre-Existing Conditions

Feb 8, 2019 | Blog |

Chicago Life Insurance Attorney Life insurance claims can be significant, and as such, they are often denied.  Beneficiaries may be taken by surprise, thinking that the act of securing benefits would have been straightforward.  In truth, however, insurers will take advantage of any opportunity to justify the denial of a significant benefits payout, in the life insurance context and otherwise. Many life insurance claims are denied on the basis of the individual covered by the policy (the deceased individual) having failed to properly inform the insurer of a pre-existing condition that would have led to a higher premium rate or […]

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Video Surveillance Footage vs. Video Surveillance Summary Report

Feb 7, 2019 | Blog |

Court Questions if Insurer Actually Watched Video Surveillance Used to Deny LTD Claim, or Just Read the Report By: Andrew B. 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 activities significantly contradicted statements made by that benefit recipient, and ultimately discredited the claim for LTD benefits.   A recent District Court decision out of the Central District of California shows the flip-side – how an insurer’s reliance on video surveillance (or in this case the […]

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ERISA Appeal Best Practices

Feb 1, 2019 | Blog |

Experienced ERISA Denial of Benefits Attorney The Employee Retirement Income Security Act (ERISA) was enacted in the 1970s with the intention of protecting plan beneficiaries from fund mismanagement and fiduciary manipulation, but has now grown into a much broader regulation that covers all aspects of the benefits claim submission and administrative appeal (through Department of Labor regulations), and litigation processes. If you are a plan beneficiary in an employer-sponsored benefit plan (e.g. disability, life, retirement, health, etc.) then there’s a good chance that your benefits are governed by ERISA–the unique set of rules that apply to such plans.  These rules can […]

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Wrongful Denial of Benefits for Long-Term Care

Jan 17, 2019 | Blog |

Though many policyholders forget, it’s important to recognize that insurers are always looking to maximize their profits — and this typically involves a strategy of minimizing their expenses by developing policies that justify the denial of seemingly legitimate claims.  The easier it is to justify the denial of an insurance claim, the less likely it is that the policyholder will challenge the decision.  This enables the insurer to avoid having to payout for claims that are actually recoverable. Long-term care insurance policies are no exception to this rule.  In fact, long-term care can be quite expensive for an insurer to […]

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Disability Claimants Must Seek Timely and Adequate Care to Secure Full Benefits

Jan 16, 2019 | Blog |

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 a serious disability, it’s quite common to be “financially squeezed” due to the cost of treatment and the loss of income from being unable to work. Given the emotional and financial burdens experienced by many disabled policyholders, it’s rather common for such individuals to delay […]

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Bryant Legal Group - Chicago Healthcare and Disability Attorneys


"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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