“Disability Claims and the Statute of Limitations” BENNETT V. OHIO NATIONAL:WITHHOLDING OF BENEFITS IN THE FUTURE DOES NOTSTART THE STATUTE OF LIMITATIONS IN THE PRESENT If an insurer currently paying benefits tells its insured that it will stop paying benefits in the future, does the statute of limitations for the insured to

It is an all too common occurrence that disability insurance carriers will rely on an insured’s part-time work status as a basis to deny disability benefits altogether.  This was the case for a Stanford family medicine doctor of almost 30 years, who was forced to reduce her employment to 50% due to

Law360, by Ryan Boysen Claiming he’d “never seen anything like it,” an attorney for an injured former NFL player told a California federal court Thursday that the league’s disability program flouted Ninth Circuit precedent and a federal judge’s earlier directive when it denied his client’s request for benefits in a shadowy “sham”

At a time when more people are dying by suicide or overdose, those seeking treatment for mental health issues and addiction face major barriers. Namely, insurance companies are deploying many tactics to deny or limit mental health coverage. This includes professionals and others who have long-term disability insurance. Mental health claims are

Insurance company bait-and-switch trick cuts off LTD benefits at age 65 Many professionals and high earners purchased long-term disability insurance decades ago. They were relieved that the LTD policy kicked in later when they had to stop working because of a disabling condition. Until they turn 65 and get blindsided with a

Cancer is one of the most common causes of disability. But many cancer patients who invoke their long term disability insurance have their claims denied. The stated reasons for denial vary, but typically the rationale is that the person is “not disabled enough.” It is possible to fight back against a claim

Some insurance companies offer lifetime disability benefits.  They usually come at an additional fee (or premium) and are attached to the policy as an “endorsement” or “rider” to the policy.  But not all lifetime coverage is created equal.  Some policies – usually those that were issued in the 1980’s or 1990’s – merely continue your benefits

Most of us are covered by disability policies through our employers.  Premiums are paid by payroll deductions and coverage is described in a summary plan description.  Those policies (subject to a few exceptions discussed below) are governed by federal law, specifically, the Employee Retirement Income Security Act of 1974 (“ERISA“).  These laws