Insurance

At Bryant Legal Group, we get a lot of phone calls from high-income professionals, including doctors, lawyers, and entrepreneurs, who need to file a long-term disability insurance claim. Many of these professionals are struggling with their decision to file. They’ve invested a lot of time and effort into building their practices, only to find that their health is suddenly making their life’s work impossible. In this article, our experienced lawyers explain how to apply for disability insurance. Keep reading to learn more about the application process, disability laws that may impact your claim, and ways you can improve your chances…
UNUM doesn’t want to pay out your long-term disability (LTD) benefits. UNUM is a for-profit company that’s much more interested in its shareholders’ happiness and profitability than your welfare. However, the company frequently offers disability claims settlements (sometimes called buyouts) to insureds. What gives? At Bryant Legal Group, we’ve made a career out of standing up to UNUM, and we’re very familiar with their tactics. Here, we explain why you should accept a UNUM buyout and when you should fight back. What Happens When You Settle a Long-Term Disability Claim With UNUM? A settlement ends your long-term disability claim. In…
While data collectors had no time to prepare for employees to start working from home in early 2020, there is time to prepare for the shift back to the office. Without a doubt, many data collectors are struggling with the cybersecurity risks created by employees shifting from the office to their homes in 2020. Interestingly, despite having no time to prepare for the shift home in early 2020, we have not heard much news about breaches or other incidents.  Nevertheless, data collectors can be certain that cybersecurity issues created by employees using sensitive data while working remotely are out there. These…
Our healthcare environment becomes more complex every year. While your organization may feel comfortable handling some provider-payer issues in-house, many medical groups are discovering that the insurance companies and other payers are becoming more aggressive with cost-cutting tactics. Whether payers are reducing your payments under a “value-based care” model or disputing the necessity of care, you need an advocate who understands these complex disputes and your legal rights. At Bryant Legal Group, we help physicians and healthcare providers throughout Illinois with their provider-payer disputes. Here are some of the essentials that every healthcare professional needs to know. 1. Provider-Payer Disputes…
If you’re receiving long-term disability benefits, you may find yourself in a confusing situation. It’s not uncommon for disabled people’s conditions to improve (or ebb and flow). However, the disability insurance company may argue that you’re no longer eligible for monthly benefit payments based on your improved circumstances. What are you supposed to do? Disabled individuals typically must take steps to improve their condition. However, when you start gaining function, your LTD insurer may start scheduling medical examinations and asking tough questions. In this blog, our experienced disability insurance lawyers explain how you should handle this situation and what you…
On September 18, 2020, the Illinois Court of Appeals, First District, took another shot at reconciling some of the inconsistencies in the application of Illinois’ Biometric Information Privacy Act (“BIPA”) (740 ILCS 14/1 et seq. (West 2018)) to the workplace. The interlocutory appeal in McDonald v. Symphony Bronzeville Park LLC, 2020 IL App (1st) 192398 (Sept.18, 2020), put a single issue before the First District: “Do[] the exclusivity provisions of the Workers’ Compensation Act bar a claim for statutory damages under [BIPA] where an employer is alleged to have violated an employee’s statutory privacy rights under [BIPA]?”  However, the First…
When you’re unable to work due to a serious injury, illness, or chronic condition, you’ll get a lot of advice. “File for disability” is a common suggestion that doctors, colleagues, and loved ones may offer. But, you’ll quickly find that “disability benefits” come in various forms. Should you file claims with your private or group disability insurance plan or the Social Security Administration?  Sometimes, the answer is “file both.” However, Social Security and disability insurance claims are very different, and you need to understand what each type involves. In this article, the experienced disability lawyers at Bryant Legal Group explain the differences between long-term disability insurance and Social Security disability benefits.  Please note that Bryant…
Thus far in 2020, there have been several reported insurance coverage cases addressing “abuse” exclusions. Dorchester Mutual Ins. Co. v. Krusell, 150 N.E.3d 731 (Mass. 2020); Atain Specialty Ins. Co. v. Armory Studios, LLC, — Fed.Appx. —- (9th Cir. Aug. 13, 2020) (California law); National Liability & Fire Ins. Co. v. Brimar Transit, Inc., 433 F. Supp. 3d 747 (W.D. Pa. 2020); Allied World Surplus Lines Ins. Co. v. Day Surgery LLC, 2020 WL 1545881, — F. Supp. 3d —- (S.D. W. Va. May 31, 2020). Exclusions for physical or sexual abuse or…
As a professional or entrepreneur, you’ve worked tirelessly to build your practice or business. When a health issue or injury makes it impossible for you to do your job, you’ll need financial support while you care for yourself and focus on your recovery, and short-term disability is supposed to provide that support. Unfortunately, many claimants make mistakes during the application process, which complicates their claims and leads to unnecessary appeals. For more than a decade, Bryant Legal Group has helped people throughout Illinois get the short-term disability benefits they deserve. In this article, we outline the essential steps in the…
The U.S. Court of Appeals for the Seventh Circuit ruled in Scottsdale Insurance Company v. Columbia Insurance Group, Inc., No. 19-3315 (7th Cir. Aug. 26 2020) (Illinois law), that the United States District Court for the Northern District of Illinois did not err in ruling that Scottsdale Insurance, as the liability insurer of a building owner, could shift the obligation to defend its insured from a personal injury lawsuit brought by an injured construction worker to the employer’s insurer. While performing HVAC work at a construction site in Chicago, Eduardo Guzman fell approximately 22 feet through an unguarded…
Click here to download our new 50-State Survey: Application of Pollution Exclusion in First-Party Property Insurance Policies. Disclaimer: This survey is for general information only and is not intended to provide and should not be relied upon exclusively for legal advice in any particular circumstance or fact situation. Past cases and decisions do not guarantee future results. The information contained in this survey may or may not reflect the most current legal standards or developments. © 2020 About the Author Michael DiSantisPartner at Tressler LLPPittsburgh Office Michael s a partner in the Insurance and Litigation practices. He focuses…
It’s not uncommon for insurance companies to request face-to-face meetings with people who file short-term and long-term disability claims. The adjuster or representative may describe it as a “field interview” or simply as a “casual meeting.” However, most of these meetings have another purpose: the insurance company wants to spy on you. In this article, our disability insurance lawyers at Bryant Legal Group explain the risks associated with a field interview and suggest ways that you can minimize the harm. What Is a Disability Insurance Field Interview? Insurance adjusters claim that field visits are simply a chance to get to…
When you’re unable to work due to a serious health condition or injury, hiring a lawyer may seem like an unwanted expense. However, federal disability insurance laws may allow you to try to collect some attorney fees from your disability insurance carrier to offset your bill for attorney fees if you meet specific criteria. In this blog, our disability insurance lawyers at Bryant Legal Group outline the essentials of ERISA’s fee-shifting laws and explain how they may impact your claim for long-term or short-term disability benefits. What Is ERISA? ERISA (Employee Retirement Income Security Act of 1974) is a federal…
Most people who suffer a mild traumatic brain injury or concussion heal quickly, often within a month. However, not everyone is so lucky. Approximately 30% of people with concussions develop post-concussion syndrome (PCS), which can last a lifetime. If you live with PCS and can no longer work, you may be eligible for short-term or long-term disability benefits. In this blog, the experienced disability insurance lawyers at Bryant Legal Group discuss the essentials of a post-concussion syndrome claim. What Is Post-Concussion Syndrome? Post-concussion syndrome occurs when your mild TBI symptoms, like headache, ringing in the ears, blurred vision, and fatigue,…
Whether you’re interested in submitting a claim for long-term disability benefits, are currently involved in a disability insurance dispute, or are already getting benefits, chances are you’ve at least considered the tax consequences. Unfortunately, there’s no simple answer to the question, “are short- and long-term disability benefits taxable?.” Instead, it depends on your circumstances. At Bryant Legal Group, we’ve spent decades helping people navigate their disability insurance claims. In this blog, we’ll discuss the factors that will impact your long-term and short-term disability benefits’ taxability. Basics of Long-Term Disability Income Taxation The IRS addresses disability insurance benefit payments in Section 105…
Whether you’re interested in submitting a claim for long-term disability benefits, are currently involved in a disability insurance dispute, or are already getting benefits, chances are you’ve at least considered the tax consequences. Unfortunately, there’s no simple answer to the question, “are short- and long-term disability benefits taxable?.” Instead, it depends on your circumstances. At Bryant Legal Group, we’ve spent decades helping people navigate their disability insurance claims. In this blog, we’ll discuss the factors that will impact your long-term and short-term disability benefits’ taxability. Basics of Long-Term Disability Income Taxation The IRS addresses disability insurance benefit payments in Section 105…