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Recent Blog Posts

Illness, Not Injury, the Main Cause of Disability

Did you know that the #1 Reason for leaving the workforce early is health problems according to Employee Benefit Research Institute 2014 Retirement Confidence Survey underwritten by the Principal Financial Group.  Most studies show that a worker in the their 20’s has a 1 in 3 chance of being disabled for 90 days or more […]

Court: Prudential Delay Deciding Group Disability Insurance Appeal Violated Law

If you have disability insurance through your employer, the federal regulations that govern group employee benefits require your disability insurance company to adhere to stringent time requirements when you appeal a denied disability claim.  The disability insurance company has 45 days to decide the appeal.  Although they can get one 45 day extension (for a […]

Denied Benefits Under Your Employer’s Group Insurance Plan? You Must Appeal Before Filing Suit.

picture of insurance claim form with rejected stamp on it

Claims under employer group insurance plans must be appealed before filing suit. If you apply for insurance benefits through an employer sponsored plan, there are federal regulations which govern the claim process.  Federal law applies because employer sponsored plans are covered under ERISA – the Employee Retirement Income Security Act.  One of the most important […]

Disability Denied? They Say You Can do Sedentary Work… What Is Sedentary Work?

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Does “Sedentary Work” just mean sitting in a chair? The disability denial letter said that your claim was denied, because they decided you could do “sedentary work.”  What does that mean?  A sitting job? “You Can Do Sedentary Work” – A Boilerplate Denial Phrase in LTD, SSD, and VA Disability Claims Perhaps the most common […]

In Bipartisan Vote, House Passes VA Accountability, Appeals Reform

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Sep 14, 2016 Press Release from the House Committee on Veterans Affairs Today the U.S. House of Representatives passed H.R. 5620, the VA Accountability First and Appeals Modernization Act of 2016, by a bipartisan vote of 310-116 that included the support of 69 Democrats. The bill would: Shorten the firing/demotion/appeals process for rank-and-file VA employees […]

Liberty Mutual Reverses Parkinson’s Disease Disability Denial

picture of disability insurance claim form with pen

Our client, a warehouse worker had Parkinson’s Disease and developed increasing symptoms over time.  Her tremor became very significant, and her stamina was hampered by ever-increasing fatigue.  Her employer had a Long Term Disability benefit plan, and he finally got to the point that he had to file a claim for LTD benefits.  She did […]

How an Attorney Can Help a Veteran if VA Denies a Claim for VA Service Connected Compensation

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With the number of compensation claims that the U.S. Department of Veterans Affairs (VA) denies each year, veterans need to know they have rights to appeal their denied VA disability claims.  In this video, experienced VA disability attorney John V. Tucker explains how hiring an attorney once you receive a Rating Decision denial can help […]

UNUM Denial Reversed: UNUM Failed In Its Duty to Request Additional Testing

picture of lab tech holding blood in test tube

Disability Insurer Cannot Deny Claim on Basis of No Tests to Prove Condition Without Telling Disabled Claimant That Test Results Needed Chris Bunger. worked as a web content specialist for Costco. He became unable to work after he began suffering from anxiety, lightheadedness, vertigo, and Raynaud’s phenomenon, chronic fatigue syndrome and brain fog. He was […]

UNUM Disability Denial: Louisiana Court Reverses UNUM for Changing Job Description During Claim Appeal

Disability Policy Describes How Insurance Company Picks Duties of Job to Assess Disability An important aspect of disability benefits is determining whether or not the claimant satisfies the disability insurance policy’s definition of disabled. Many disability policies require an insurance company will find a claimant disabled if they are no longer able to perform their […]

VA Must Consider ALL of Veteran’s Conditions in Combination, as well as Employment History, in Individual Unemployability Claims

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Veterans who are not rated at 100% for their disabilities can still can paid at the 100% level if they can prove that their service connected disabilities prevent them from working.  This is called Total Disability due to Individual Unemployability (TDIU).  It is an extraschedular total disability rating. In a TDIU claim, VA is supposed […]


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