After decades of demanding work, many physicians and medical professionals eventually confront an uncomfortable reality: chronic pain, illness, or exhaustion is interfering with their ability to practice.
Whether you’re an orthopedic surgeon with degenerative disc disease, a dermatologist managing long COVID, or a primary care physician grappling with burnout, you may be considering scaling back your hours, selling your practice, or changing what types of treatments and services you can offer.
Before making these significant decisions, you should take one critical step: speak with an experienced disability insurance attorney.
At Bryant Legal Group, we work with physicians and healthcare providers…
Continue Reading Is Pain or Disability Making You Consider Retiring from Medical Practice? Here’s Why to Seek Legal Consultation First

In today’s high-pressure work environments, white-collar professionals such as executives, consultants, attorneys, and physicians face a unique set of stressors.
Long hours, demanding expectations, and 24/7 connectivity can take a toll on your mental and physical health. Over time, this unrelenting pressure can contribute to life-changing conditions like anxiety, depression, burnout, and even physical ailments such as cardiovascular disease or autoimmune flare-ups.
If you’re struggling with these challenges, you may be wondering whether your long-term disability (LTD) insurance policy can help. The answer is that it might, but the insurance company could put up a fight.
Continue Reading Stress and Disability: Can Long-Term Conditions Be Covered?

You take out doctor disability insurance so it is there in case you ever need it. Unfortunately, as you might have already experienced with patients’ cases, insurance does not always come through as you expect.
Insurers that issue physician specialty-specific disability policies routinely scrutinize—and too often reject—legitimate claims. When a denial stems from administrative errors, incomplete documentation, or other improper grounds, you are entitled to challenge the decision through a formal appeal.
The terms surrounding doctor disability insurance policies can vary depending on who is providing them and whether they are group or individual coverage. But in every case, it’s…
Continue Reading Doctor Disability Insurance: How to Appeal a Claim Denial

With more than $1 billion worth of in-force premiums as of 2022, Standard Insurance Company—more commonly branded as The Standard—is one of America’s largest providers of long-term disability insurance. Their offerings include employer-provided group plans, as well as individual policies for those who choose to insure themselves.
Insurance giants like The Standard don’t get as large as they are without denying a lot of claims. Unfortunately, those denials are often unfair or in error. Or it could be that claimants failed to provide the correct evidence during the initial application.
Either way, if you believe your long-term disability claim was…
Continue Reading What to Do if The Standard Denies Your Long-Term Disability Claim

When we think about financial security, many of us consider health insurance, retirement plans, and emergency savings. One of the most overlooked pieces of the financial puzzle is long-term disability insurance.
If you’re fortunate enough to have group long-term disability (LTD) insurance through your employer, you might assume you’re fully covered. But is it really enough to protect you and your family if the unthinkable happens?
Although you may already have LTD through an employer group plan, certain professionals may wish to purchase additional private coverage. Let’s explore how to determine the right amount of LTD coverage and why supplemental…
Continue Reading How Much Long-Term Disability Coverage Do I Need?

The Massachusetts Mutual Life Insurance Company, MassMutual for short, is one of the largest insurance companies in the United States. They provide long-term disability coverage to individual policyholders, as well as employer-sponsored group plans.
If you have long-term disability coverage through MassMutual and recently had a claim denied, you aren’t alone. Disability denials are commonplace and frequently unfair or unreasonable. Once you file a claim, it’s in the insurance company’s best interest to find some reason to deny it—and often those reasons don’t stand up to scrutiny once all the facts are known.
If you believe you’ve been unfairly denied,…
Continue Reading How to Appeal a MassMutual Long-Term Disability Claim Denial

Metropolitan Life Insurance Company—more commonly known as MetLife—is one of the world’s largest financial services companies. While MetLife is typically associated with life insurance and financial services, the company has a robust disability insurance business as well.
If you’ve recently had a long-term disability claim denied by MetLife, we understand how frustrated you might feel. Before you give up and accept MetLife’s decision, you should consult with a disability insurance lawyer at Bryant Legal Group. We have extensive experience with MetLife disability insurance appeals and can help you understand your legal options. Keep reading to learn essential steps you should…
Continue Reading How to Appeal a MetLife Long-Term Disability Denial

Long-term disability (LTD) benefits can be a lifesaver for people who are unable to earn an income due to sickness or injury. If you are not able to work for months or even years at a time, it is a relief to know that you will still be getting a monthly check to help pay for your necessary expenses.
Most LTD plans will pay monthly disability benefits for as long as you remain disabled or otherwise meet the policy’s requirements. However, you may have an alternative option: a long-term disability settlement or buyout. If you go this route, instead of…
Continue Reading How Much Is My Long-Term Disability Settlement Worth?

With nearly $1 billion in in-force premiums, Prudential Financial (via its subsidiary, Prudential Insurance Company of America) is one of the 10 largest providers of long-term disability insurance plans in the United States.
They also, like many large insurers, have a long history of unfairly denying legitimate claims. Courts have had to hold them accountable many times, including a $40 million settlement in 2014 after Prudential denied full death benefits to fallen soldiers’ families. They were also forced to revise their life insurance practices in 2023 after the U.S. Department of Labor found that they had denied hundreds of claims…
Continue Reading How to Appeal a Prudential Long-Term Disability Denial

You’ve filed your application for long-term disability (LTD) benefits, carefully providing all the necessary information and submitting all your relevant medical records. When you get the insurance company’s response, you’re shocked to see a denial of benefits. The insurance company found that your disabling conditions were pre-existing (and therefore, not covered by your policy).
At Bryant Legal Group, we’re used to insurance companies broadly interpreting our clients’ medical records and incorrectly applying pre-existing condition exclusions.
Whether you’re purchasing a new disability insurance policy, thinking about filing a claim, or are dealing with an unfair claim denial, here are six…
Continue Reading Long-Term Disability Insurance and Pre-Existing Conditions: 6 Things You Need to Know

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Continue Reading How to Appeal a New York Life Long-Term Disability Denial

If you are a high earner and plan to continue working at least a few more years, what is your most valuable asset? Almost certainly, it’s your future earning potential.
If you lost your ability to do your current job, would you be able to pay your expenses? Support your loved ones? Maintain the standard of living you’ve come to expect? Pass on an inheritance to your children?
Purchasing good long-term disability (LTD) insurance coverage is one of the smartest decisions high wage-earning individuals can make. For a relatively small monthly premium, you can guarantee a substantial portion of your…
Continue Reading How to Choose Individual Disability Insurance: A Guide for High-Net-Worth Individuals