jennifer danish

Latest Articles

Aug 13, 2019 | Blog | Chronic pain is a frustrating and widely misunderstood condition that disables roughly 100 million Americans. A variety of circumstances can cause it — including trauma, surgery, cancer, and nerve damage. Unfortunately, this pain can persist even after the underlying condition resolves. If you’re struggling with chronic pain, you may be eligible for long-term disability benefits — but don’t be surprised if the insurance company puts up a fight and denies your claim. In this article, the disability insurance lawyers at Bryant Legal Group explain the essentials of a chronic pain syndrome claim. What…
Aug 6, 2019 | Blog | If you’re on long-term disability (LTD), your insurance company might encourage you to apply for Social Security disability benefits. The company may even offer to connect you with a representative who will file your application and appeals. However, the insurance company isn’t doing this out of kindness — the company wants to reduce your LTD benefits and recover some (or all) of its payments. While you may have to repay the disability insurance company, don’t panic. You have a variety of options, and a lawyer at Bryant Legal Group can guide you through…
Jul 23, 2019 | Blog | During a long-term disability (LTD) claim, you may worry that private investigators are watching your every move, but it might surprise you that most of this surveillance occurs online. Today, disability insurance companies like UNUM, MetLife, and Aetna use social media and online monitoring to deny and terminate disability claims — even when the person has a valid claim. In this article, we will discuss how the insurance company may try to use your online data against you and what you can do to combat these tactics. Modern Surveillance Starts Online Historically,…
Jul 16, 2019 | Blog | According to the Substance Abuse and Mental Health Services Administration, approximately 19.7 million people (aged 12 and above) struggle with some form of substance use — including addictions to alcohol, opioids, prescription medications, and illicit drugs. Today, substance use impacts every social, economic, and demographic group. However, when substance abuse limits or eliminates your ability to work, you might find yourself battling your insurance company. Today, the disability professionals at Bryant Legal Group are going to explain how addiction can impact your long-term disability (LTD) claim. The Science of Addiction Some people…
Jul 9, 2019 | Blog | Almost every day, we speak with people who have questions about their UNUM long-term disability claims. Unfortunately, that insurance company has a reputation for mishandling disability claims and unfounded benefits denials. At Bryant Legal Group, we’ve handled countless UNUM disability claims and understand how the company operates. While nothing compares to a personalized assessment from one of our disability lawyers, here are four things you need to know about UNUM. 1. UNUM Is One of the Largest Disability Insurance Companies in the Country UNUM is a giant in the disability insurance industry.…
Jul 2, 2019 | Blog | Over the past several years, public awareness of traumatic brain injuries (TBI) has dramatically increased. While this awareness is leading to earlier diagnoses and proactive treatment, TBI is still a widely misunderstood condition. If you or a loved one can no longer maintain full-time employment due to a traumatic brain injury, it may be time to explore a long-term disability (LTD) claim. Here, the attorneys at Bryant Legal Group discuss TBI and the disability claim process. What Is a Traumatic Brain Injury? The brain is your body’s control center. It produces your…
Jun 25, 2019 | Blog | If you’re living with heart disease and struggling to maintain steady employment, you’re not alone. Every 40 seconds, someone in the United States has a heart attack. Nationwide, we lose hundreds of billions of dollars in productivity every year due to cardiac issues like coronary artery disease and heart failure. At Bryant Legal Group, we understand how deeply these conditions can impact your life, finances, and future. That’s why we help people with heart disease file their long-term disability claims. Below, we outline the essentials that every heart disease survivor needs to…
Jun 11, 2019 | Blog | COPD can make even simple activities like walking to your mailbox difficult. While you may be painfully aware of how COPD and other breathing conditions impact your life, many people don’t realize how they impact long-term disability claims. Below, the disability insurance lawyers at Bryant Legal Group discuss how COPD affects your body, how it’s diagnosed, and how you can strengthen your long-term disability claim. How Do Lungs Work? Your pulmonary system delivers oxygen to your body and removes carbon dioxide. While your lungs play a vital role in this process, they are…
Jun 4, 2019 | Blog | Your inability to work is the key issue in a long-term disability claim. If you have physical limitations, a functional capacity evaluation (FCE) may help the insurance company gauge your ability to do your job or any type of employment. While these tests are not necessary in every disability claim, they can be a powerful, fact-based tool. However, functional capacity evaluations are not as ironclad as some would like you to believe, and a negative report can seriously harm your disability insurance claim. Before you attend an exam, you should know what…
May 28, 2019 | Blog | Dealing with autoimmune disease can feel like you’re fighting a battle no one can see. Conditions like lupus, rheumatoid arthritis, inflammatory bowel disease, and others can silently cause life-changing symptoms that go unnoticed by the people around you. At Bryant Legal Group, we help clients get short-term and long-term disability benefits for these misunderstood conditions.To learn more about autoimmune disease and disability insurance, keep reading. Autoimmune Disease Is More Common Than You Think More than 23.5 million people have autoimmune disease diagnoses. An autoimmune disease occurs when your immune system mistakenly attacks healthy…
May 21, 2019 | Uncategorized | Getting a cancer diagnosis is an incredibly stressful and difficult experience. While doctors are learning more about cancer and mortality for most forms of cancer is dropping, you may have a hard time understanding your outlook and options while you fight the disease. On top of that, the process of getting disability for cancer is much more complicated than you would expect. The best way to ease the stress of trying to receive disability for cancer is to get informed. In this article, we’ll explain how cancer diagnosis, symptoms, and treatment can impact…
May 7, 2019 | Blog | Filing a disability insurance claim is a complex process that can have life-changing results, and hiring the right lawyer is crucial to your claim. However, not all disability lawyers share the same priorities or approaches. If you are filing a disability insurance claim, you’ll want to make sure that you hire a lawyer who is qualified, communicative, and considerate. We’ve compiled five essential questions to ask a disability insurance lawyer to help you decide whether they are right for you. 1. Where Is Your Office Located?  While this may seem like a basic question, it’s essential to ensure that your lawyer has a local office. If you can’t…
Apr 23, 2019 | Blog | As you prepare to file a disability insurance claim, you might hear a lot of conflicting opinions about whether you need a lawyer. While you may be tempted to postpone hiring an attorney, it’s typically in your best interest to consult with one before you file a disability claim — rather than at the end of the process. Below, Bryant Legal Group explains why hiring a disability lawyer early on in the process can strengthen and streamline your claim. Your Administrative Record Can Make or Break Your Disability Claim If you’re filing for…
Apr 16, 2019 | Blog | Globally, depression is the number one cause of disability. While mental health conditions are finally getting the attention they deserve, long-term disability (LTD) insurance companies are still reluctant to approve and pay claims related to depression and anxiety. If you’re considering an LTD claim for depression or anxiety, you need to review your plan documents carefully and prepare your evidence. Keep reading to learn more about the essentials of a successful mental health LTD claim. What Is Depression? Depression is much more than just feelings of sadness. You may suffer from major depressive…
Apr 10, 2019 | Blog | District Court Rules that Pension’s Healthcare Benefits Last a Lifetime By: Andrew B. Bryant The Northern District of Illinois recently addressed the question of whether healthcare insurance benefits under an ERISA pension plan lasted for a lifetime for two plaintiff retirees, despite the termination of the collecting bargaining agreement that established those benefits.   In Its analysis, the Court noted that unlike pension benefits, insurance benefits (such as healthcare benefits) do not automatically vest by contract to plan members.  Such benefits can be terminated by an employer.   However, a plan agreement may by its…
Apr 10, 2019 | Blog | Christopher Patterson v. Aetna Life Insurance Company, No. 17-3566 (3d Cir. 2019) By: Stephen A. Jackson Patterson became disabled after back surgery and Aetna began paying benefits under a group long-term disability plan in 2007.  In 2014, Aetna terminated those benefits after concluding Patterson was no longer disabled because he could fulfill the material duties of his “own occupation” as performed “in the national economy.”  The term “own occupation” was not defined in the policy. Aetna determined Patterson’s “own occupation” “in the national economy” was sedentary and that while he could not do…