Can the Long-Term Disability Insurance Company Take My Social Security Backpay?
Aug 6, 2019 | Blog | ShareIf you’re on long-term disability (LTD), your insurance company might encourage you to apply for Social Security disability benefits. The company may even offer to connect you with a representative who will file your application and appeals. However, the insurance company isn’t doing this out of kindness — the company wants to reduce your LTD benefits and recover some (or all) of its payments. While you may have to repay the disability insurance company, don’t panic. You have a variety of options, and a lawyer at Bryant Legal Group can guide you through the calculations and decision-making process. Many LTD […]
Can Your Social Media Feed Hurt Your Disability Insurance Claim?
Jul 23, 2019 | Blog | ShareDuring a long-term disability (LTD) claim, you may worry that private investigators are watching your every move, but it might surprise you that most of this surveillance occurs online. Today, disability insurance companies like UNUM, MetLife, and Aetna use social media and online monitoring to deny and terminate disability claims — even when the person has a valid claim. In this article, we will discuss how the insurance company may try to use your online data against you and what you can do to combat these tactics. Modern Surveillance Starts Online Historically, surveillance involved a private investigator setting up cameras […]
According to the Substance Abuse and Mental Health Services Administration, approximately 19.7 million people (aged 12 and above) struggle with some form of substance use — including addictions to alcohol, opioids, prescription medications, and illicit drugs. Today, substance use impacts every social, economic, and demographic group. However, when substance abuse limits or eliminates your ability to work, you might find yourself battling your insurance company. Today, the disability professionals at Bryant Legal Group are going to explain how addiction can impact your long-term disability (LTD) claim. The Science of Addiction Some people still believe that addiction comes from a lack […]
UNUM Disability Claims: 4 Things You Need to Know
Jul 9, 2019 | Blog | ShareAlmost every day, we speak with people who have questions about their UNUM long-term disability claims. Unfortunately, that insurance company has a reputation for mishandling disability claims and unfounded benefits denials. At Bryant Legal Group, we’ve handled countless UNUM disability claims and understand how the company operates. While nothing compares to a personalized assessment from one of our disability lawyers, here are four things you need to know about UNUM. 1. UNUM Is One of the Largest Disability Insurance Companies in the Country UNUM is a giant in the disability insurance industry. Globally, the company’s policies cover 36 million people […]
TBI and Disability Insurance: A Claimant’s Guide
Jul 2, 2019 | Blog | ShareOver the past several years, public awareness of traumatic brain injuries (TBI) has dramatically increased. While this awareness is leading to earlier diagnoses and proactive treatment, TBI is still a widely misunderstood condition. If you or a loved one can no longer maintain full-time employment due to a traumatic brain injury, it may be time to explore a long-term disability (LTD) claim. Here, the attorneys at Bryant Legal Group discuss TBI and the disability claim process. What Is a Traumatic Brain Injury? The brain is your body’s control center. It produces your thoughts, actions, feelings, and physical responses. It is […]
If you’re living with heart disease and struggling to maintain steady employment, you’re not alone. Every 40 seconds, someone in the United States has a heart attack. Nationwide, we lose hundreds of billions of dollars in productivity every year due to cardiac issues like coronary artery disease and heart failure. At Bryant Legal Group, we understand how deeply these conditions can impact your life, finances, and future. That’s why we help people with heart disease file their long-term disability claims. Below, we outline the essentials that every heart disease survivor needs to know. What Is Heart Disease? Your heart is […]
Someone in the United States experiences a stroke every 40 seconds. During a stroke, survivors can suffer permanent brain damage that negatively impacts their ability to think, move, communicate, and perform their daily routine. In many cases, survivors can no longer work, so they turn to short-term and long-term disability policies for financial support. If you or a loved one is a stroke survivor considering a disability insurance claim, you may have a lot of questions. Below, the disability professionals at Bryant Legal Group discuss the essentials of a stroke-related disability claim. What Is a Stroke? Strokes occur when something […]
COPD and Disability Insurance: A Claimant’s Guide
Jun 11, 2019 | Blog | ShareCOPD can make even simple activities like walking to your mailbox difficult. While you may be painfully aware of how COPD and other breathing conditions impact your life, many people don’t realize how they impact long-term disability claims. Below, the disability insurance lawyers at Bryant Legal Group discuss how COPD affects your body, how it’s diagnosed, and how you can strengthen your long-term disability claim. How Do Lungs Work? Your pulmonary system delivers oxygen to your body and removes carbon dioxide. While your lungs play a vital role in this process, they are only a part of your complex pulmonary […]
What Is a Functional Capacity Evaluation?
Jun 4, 2019 | Blog | ShareYour inability to work is the key issue in a long-term disability claim. If you have physical limitations, a functional capacity evaluation (FCE) may help the insurance company gauge your ability to do your job or any type of employment. While these tests are not necessary in every disability claim, they can be a powerful, fact-based tool. However, functional capacity evaluations are not as ironclad as some would like you to believe, and a negative report can seriously harm your disability insurance claim. Before you attend an exam, you should know what to expect. Below, we’ll explain the realities of […]
Autoimmune Disease and Disability Insurance: A Claimant’s Guide
May 28, 2019 | Blog | ShareDealing with autoimmune disease can feel like you’re fighting a battle no one can see. Conditions like lupus, rheumatoid arthritis, inflammatory bowel disease, and others can silently cause life-changing symptoms that go unnoticed by the people around you. At Bryant Legal Group, we help clients get short-term and long-term disability benefits for these misunderstood conditions.To learn more about autoimmune disease and disability insurance, keep reading. Autoimmune Disease Is More Common Than You Think More than 23.5 million people have autoimmune disease diagnoses. An autoimmune disease occurs when your immune system mistakenly attacks healthy cells and structures in your body. This […]