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Beedem Law

Long-Term Disability for Individuals with MS

According to the Multiple Sclerosis Association of America (MSAA), roughly 3.5 in every 1,000 Americans develop Multiple Sclerosis, commonly referred to as MS. MS is neither contagious nor hereditary, according to the MSAA, but the risk of developing MS increases for first-degree relatives – children and siblings – of those already suffering from the disease.

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Beedem Law

Common Reasons Long-Term Disability Claims Are Denied

Employees may receive a letter denying benefits for several reasons, usually based on what the insurers call “lack of sufficient medical evidence.” Now what?  What can be done when an employee faces a total loss of income while trying to recover from your disability?

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Beedem Law

What to Know About Claims Administrators/Appeals Specialists

Disability insurance policies are designed to provide income to policyholders (employees) who are unable to work due to a disability, injury, or illness. Unfortunately, dealing with disability insurance providers and claims administrators can involve many complexities. Even a well-supported disability claim can be denied by the LTD insurer by claiming incomplete medical evidence or biased medical reports.

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Beedem Law

Long-Term Disability for Individuals With Chronic Pain

According to a survey conducted by the Centers for Disease Control and Prevention (CDC) in 2019, 20.4 percent of adults in the U.S. feel they suffer from chronic pain, and 7. 4 percent of adults report suffering from what the CDC calls high-impact chronic pain. Those with high-impact chronic pain say they felt pain “most days” or “every day.”

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Beedem Law

Common Mistakes When Filing<br/> a Long-Term Disability Claim

You signed up for long-term disability (LTD) insurance at your place of employment, never expecting you’d need to rely on it. Then suddenly, something happens and you’re home disabled and in no condition to work. You apply to your LTD insurer and they deny your claim. What went wrong?

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Beedem Law

Long-Term Disability Claims<br/> and Your Social Media

Imagine this scenario: you’ve been on long-term disability for several months due to a back injury, and suddenly you receive notice that your benefits are being terminated. Your insurance company says that they have evidence that you’re not as limited or disabled as you claim.

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Beedem Law

Insurance Companies Use of Surveillance to Deny a Claim

When you apply for long-term disability benefits, the insurance company will require proof of your disability. They will do an internal investigation into whether or not you initially qualify for benefits. These investigations will continue throughout the entirety of your claim, even if you have been receiving benefits for years.

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Beedem Law

COVID-19 Alert

As we continue to evaluate these unprecedented and rapidly changing times due to the impacts of COVID-19, also known as coronavirus, Beedem Law continues to prioritize the safety and well-being of our employees, our clients, and our community.

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