Parkinson’s Disease and Disability Insurance: A Claimant’s Guide
Mar 19, 2020 | Blog | ShareApproximately 60,000 Americans receive a Parkinson’s disease (PD) diagnosis each year. In 2016, there were around 30,000 people in Illinois living with PD, and studies show that the prevalence of the disease is increasing throughout the United States. As a progressive neurodegenerative disease, PD is a chronic condition that worsens over time. While you may be able to work for a few years after the onset of your condition, you will inevitably require both life care and financial help once your condition progresses to later stages. Even if you already have long-term disability insurance (LTD), you may need help filing […]
Disability Insurance in a Nutshell
Mar 17, 2020 | Blog | ShareIf you search “disability insurance” or “long-term disability” online, you’ll find a mishmash of information that talks about employer-sponsored insurance plans, private policies, and Social Security benefits. Some of this information may apply to your situation, but much of it will seem confusing and even contradictory. Sorting everything out can seem almost impossible. At Bryant Legal Group, we want to help. Our team of respected lawyers takes a practical approach to disability insurance claims and deeply values client education. In this article, we’ll explain the essentials of disability insurance. What Is Disability Insurance? Disability insurance provides a monthly benefit if […]
The symptoms and uncertainty associated with inflammatory bowel disease (IBD) can turn your life upside down. If you’re unable to work due to your ulcerative colitis or Crohn’s disease, you may be eligible for long-term disability benefits. However, the process of getting benefits can feel overwhelming — especially during a flare. At Bryant Legal Group, we guide people through their complex disability insurance claims and help them get the benefits they deserve. In this article, we discuss the essentials of IBD-related disability claims. What Is Inflammatory Bowel Disease? IBD is a category of diseases that cause inflammation and damage in […]
At some point during a long-term disability insurance claim, the insurance company may ask a physician consultant to evaluate your case and medical records. When you get this notice, it can lead to worries that your LTD benefits are in danger. You may also wonder how this doctor who has never met you or examined you in person can provide a valid assessment of your claim. In this article, we’ll discuss the “peer review” process used by physician consultants and explain whether you should be worried when one gets involved in your claim. Keep reading to learn more. What Does […]
Principal was founded more than 140 years ago and offers insurance and financial management services in more than 80 countries and territories. It is the third-largest provider of group insurance benefits, including disability insurance, in the United States. A Fortune 500 company, Principal reported more than $14 billion in total revenue in 2018. How did Principal grow from a tiny life insurer in Des Moines, Iowa to one of the world’s largest financial management and insurance companies? While many factors come into play, the company is laser-focused on profitability, cutting costs, and shareholder dividends. Unfortunately, this means Principal takes an […]
Vision Impairments and Disability Insurance: A Claimant’s Guide
Feb 18, 2020 | Blog | ShareAt least 3.4 million adults in the United States are either legally blind or vision-impaired, and many more struggle with life-changing eye conditions. Although some people can adapt to their vision limitations and work with accommodations, vision impairments rank among the top ten causes of disability, according to the CDC. If you’re struggling with vision loss, you’re not alone. At Bryant Legal Group, we help people with vision impairments fight for their long-term disability insurance (LTD) benefits. In this article, we’ll talk about common causes of vision loss and discuss ways you can bolster your LTD claims. 5 Common Causes […]
Seizures and Disability Insurance: A Claimant’s Guide
Feb 11, 2020 | Blog | ShareAbout 3.4 million people live with epilepsy in the United States, which makes recurrent seizures our nation’s fourth most common neurological disorder. But even though epilepsy isn’t rare, living with the disorder can make you feel like no one understands its profound impact on your ability to live and work. At Bryant Legal Group, we want to help. Our team of experienced disability insurance attorneys guides people with epilepsy and other seizure disorders through their complex insurance claims. Keep reading to learn more about epilepsy-based insurance claims and find out your options for benefits. What Are Seizures and What Causes […]
3 Things You Need to Know About Voluntary Benefit Plans
Feb 5, 2020 | Insurers | Share3 Things You Need to Know About Voluntary Benefit Plans If your insurance company has denied your voluntary benefit claim, you’re probably getting a lot of conflicting advice. One person might tell you that you need to file an appeal with the insurance company, while another will insist that you should file a lawsuit in an Illinois court. Meanwhile, your employer will probably refuse to help you with your insurance claim — referring you to your insurer or broker instead. At Bryant Legal Group, we want to clarify the confusing world of voluntary benefit plans, so we wrote this blog […]
Bipolar Disorder and Disability Insurance: A Claimant’s Guide
Jan 28, 2020 | Insurers | ShareAccording to the World Health Organization, bipolar disease is the seventh most disabling condition in the world. If you’re among the estimated 5.7 million Americans suffering with bipolar, it might be difficult (or even impossible) to maintain consistent employment due to your symptoms. At Bryant Legal Group, we help people with bipolar disorder get the disability insurance benefits they deserve. In this article, we explain the essentials of bipolar disorder and how to strengthen your disability insurance claim. What Is Bipolar Disorder? Bipolar disorder is a psychological disorder involving episodes of mania and depression. During a manic episode, you might experience euphoria, insomnia, and poor concentration. You might also be prone to reckless actions, such […]
Denied by Cigna? Take These 3 Steps to Protect Your Rights
Jan 22, 2020 | Blog | ShareAs one of the country’s largest insurance companies, Cigna offers health insurance, life insurance, and disability insurance products. Unfortunately, Cigna has a long history of denying valid short-term and long-term disability claims. Cigna recently announced the sale of its disability insurance business to New York Life for $6.3 billion, but claimants shouldn’t expect the company’s practices to change anytime soon. At Bryant Legal Group, our disability insurance lawyers have helped people fight back against unfair denials from Cigna for years. In this article, we’ll outline three essential steps you should take if Cigna denies your disability claim. Cigna Has a History of Improperly Denying Disability Insurance Claims Most people associate Cigna with healthcare insurance due to the company’s massive market share in this area. However, Cigna also operates a robust disability insurance business. In 2018, the […]
