Many years ago, before 1995, a professional could file a long-term disability claim on their own and likely get paid. After 1995, the industry changed dramatically. Many companies went out of business in the long-term disability space, claims were being denied...
My last article discussed the governance of an IME and how to prepare for one. This article shares my advice concerning what happens during an IME. When it comes to physical versus mental or cognitive examinations, there are a lot of unresolved questions across...
{3:00 minutes to read} Cardiac issues are among the most difficult long-term disability cases. People who have had heart attacks and other cardiac conditions are often afraid of a recurrence. If your cardiologist has told you to “avoid stress,” and your job is...
{4:20 minutes to read} To successfully file a long-term disability claim, you must have some type of disabling condition and the proper medical support to substantiate it. Most policies define “disabling condition” as an injury or a sickness. The person (or persons)...
