Recent Blog Posts
What happens when a person gets remarried, but dies without changing their life insurance beneficiary from their ex-spouse to their new spouse? Who gets the life insurance money? You may think you know the answer, but it can depend on many thing. Watch my video and learn more: If you are fighting a life insurance […]
One of the most common question our clients ask is: “How long can the Long Term Disability insurance company take to decide my claim?” If your LTD coverage is through your employer’s disability plan, a federal law called ERISA spells out time the deadlines for the insurance company. Watch this video to learn more: If […]
Attendance and Working All Day – Shouldn’t Those Be Considered in Disability Insurance Cases? It seems pretty obvious that a person must be able to attend work regularly to do their job. Despite that, Long Term Disability (LTD) insurance companies regularly ignore the impact of claimants’ symptoms and limitations on the worker’s ability to arrive […]
VA Regulation 38 C.F.R. §4.16 – Total disability ratings for compensation based on unemployability of the individual.
I often write about Individual Unemployability claims for veterans and make reference to VA’s Unemployability regulation, 38 C.F.R. Section 4.16. Anyone who is considering filing for or appealing a claim related to Total Disability due to Individual Unemployability (TDIU) should read the regulation. Here is the full text of VA’s unemployability law directly from the Code […]
Disabled Vets Can Receive a Total Disability Rating (100%) if They Cannot Work Because of Their Service Connected Disabilities Most veterans know about the Department of Veterans Affairs (VA) Schedule for Rating Disabilities (Rating Schedule) for service connected compensation. Each different disability that a veteran can prove is related to their service gets rated at […]
Robert Kaiser had to file a lawsuit against United of Omaha in federal court in Wisconsin because United of Omaha had denied long term disability benefits to his wife, Dee Kaiser. Mrs. Kaiser suffered from Sage IV lung cancer, yet United of Omaha (a company affiliated with Mutual of Omaha) refused to pay. Mr. Kaiser […]