Obstructive sleep apnea (OSA) is more than just snoring or restless nights. This sleep disorder affects millions of Americans and causes potentially severe health issues, including cognitive impairments that can disrupt your daily life. For professionals, the cognitive impacts from this “invisible” disability can be especially concerning, as they can hinder your ability to excel in your career and personal endeavors.
In this blog post, we will look at the world of obstructive sleep apnea, exploring its effects on cognitive function, detailing common symptoms, and providing insights into the disability benefits available for those dealing with this condition. We will…
Continue Reading Can You Get Long-Term Disability for Obstructive Sleep Apnea?

A doctor’s daily responsibilities are physically, mentally, and cognitively demanding. The nature of their work involves being on their feet most of the day, dexterous use of their hands for equipment and procedures, constant communications with patients and colleagues, and even potential exposure to hazardous conditions in their work environments like chemicals, biologics, radiation, and extreme temperatures.
Many of these factors can affect your health over time. When you select a disability policy, you are investing in security for your financial future.
So yes, doctors absolutely need long-term disability insurance also marketed as income protection insurance policies. But it’s also…
Continue Reading Do Doctors Need Disability Insurance?

Crohn’s disease and inflammatory bowel disease (IBD) are often considered “invisible disabilities,” but they can have profound effects on your life. It can be impossible to work when you need unscheduled restroom breaks and live with chronic pain—not to mention the stress of living with other effects of the disease, like malnutrition and other serious symptoms.
If you have Crohn’s disease and are considering filing for long-term disability insurance benefits, the attorneys at Bryant Legal Group are here to help. We guide professionals throughout Chicago, Illinois, and the rest of the country through their complex disability insurance claims.
In…
Continue Reading Is Crohn’s Disease a Disability?

Chronic fatigue syndrome (CFS) is a relatively common condition that can cause debilitating fatigue. It can last for months or even years. CFS not only prevents many sufferers from maintaining full-time employment, but also significantly impacts the quality of their day-to-day lives.
If you currently have a CFS diagnosis and you cannot work, you may be eligible to receive disability benefits under a long-term disability policy from a private insurance company. However, for many reasons, these claims tend to be extremely tough to approve. In this blog post, we’ll explain the challenges that many claimants face when attempting to receive…
Continue Reading Can I Get Long-Term Disability Benefits for Chronic Fatigue Syndrome?

If you are suffering from an injury, illness, or other condition that has rendered you incapable of performing the duties of your occupation—even if only partially—then you may be entitled to significant disability insurance benefits under your private disability insurance policy. Depending on the details of your insurance plan, residual or partial benefits may be available.
Let’s look at how residual benefits work.
What Are Residual Disability Benefits?
Not every person with a disability that affects their occupational status is totally disabled. Some people with a disability may be able to work part time, or they may still be able…
Continue Reading Residual Disability Benefits in Private Disability Policies: What to Know

If you’re nearing the end of the coverage period for your short-term disability insurance—and you still can’t work—you might be expecting a smooth transition from short-term benefits to long-term benefits.
Unfortunately, it doesn’t always work that way—even if both policies are with the same insurance company and provided through your employer. Although your insurance company approved your short-term disability claim, that does not necessarily mean they will approve your long-term disability benefits. Far too often, claimants are blindsided by an unexpected loss of benefits and income after long-term disability coverage is denied.
To avoid a sudden loss of coverage, it’s…
Continue Reading Going from Short-Term Disability to Long-Term Disability? Avoid These Pitfalls

Ehlers-Danlos syndrome, a genetic disorder associated with hypermobility, fragile skin, and other symptoms, affects as many as 1 in 5,000 people. While some people experience mild symptoms and relatively minimal day-to-day impairments, others deal with chronic pain and severe medical complications.
If your Ehlers-Danlos syndrome symptoms prevent you from doing your job or maintaining gainful employment, you may be eligible for disability benefits under your long-term disability insurance policy.
However, your claim’s success will depend on your policy’s language, the severity of your symptoms, and how well you document your limitations. The insurance company might also question your claim, since…
Continue Reading Can I Get Long-Term Disability Benefits for Ehlers-Danlos Syndrome?

As a healthcare provider, you know that accurate medical billing is critical to your practice’s financial stability. Non-compliance can have serious consequences for your practice, increasing the chances of reimbursement denials, fines, penalties, and in serious cases, even loss of licensure or litigation.
However, medical billing compliance is a complex and constantly evolving field. Healthcare organizations must stay on top of all applicable federal and state laws, Medicare and Medicaid guidelines, and private insurance contracts—and the rules are continually evolving.
As a law firm that works closely with healthcare providers on reimbursement denials, billing and compliance issues, and provider-payer disputes,…
Continue Reading What Is Medical Billing Compliance? (And 5 Ways You Can Protect Your Practice)

You are (finally) receiving the long-term disability benefits you deserve. Everything should be smooth sailing from here on, right? Maybe. Under limited circumstances, LTD insurers can demand repayment of disability benefits.
Bryant Legal Group’s long-term disability attorneys work closely with disability claimants, helping them navigate their benefits claims, understand their policies, and get the benefit payments they deserve.
In this post, we will take a closer look at circumstances in which you would have to return some of your LTD benefits—and how our disability insurance attorneys can help you every step of the way.
Continue Reading Do I Have to Pay Back Long-Term Disability?

Navigating life with knee pain can present many challenges. Your previously simple day-to-day tasks may now be major obstacles.
Whether it is consistent discomfort or a complete inability to perform common tasks like driving and walking, your knee injury or chronic knee pain may qualify you for short-term disability or long-term disability. But when does a knee problem quality for disability? How do you file a claim for disability benefits? Are there ways you can strengthen or streamline your disability claim?
If you are feeling lost or overwhelmed, Bryant Legal Group’s disability insurance attorneys can help. Our Chicago-based team…
Continue Reading What Knee Problems Qualify for Disability?

Unum is one of the largest insurance companies in the United States. According to recent research published by Statista, Unum (along with Unum group companies including Paul Revere Life Insurance Company and Provident) was estimated to be the country’s single largest provider of group long-term disability benefits. In 2021 alone, policyholders paid the company $9.5 billion in premiums.
Unfortunately, Unum has also earned a reputation for wrongfully denying claims and general bad behavior. After several state investigations (market conduct examinations) into its faulty claims handling processes and unfair practices, it was forced to settle with 49 state insurance commissioners and…
Continue Reading How to Appeal a Unum Disability Denial

Too many healthcare providers know the frustration of fighting with insurance companies over unpaid or underpaid claims. In these situations, an attorney may be able to help—but not just any attorney.
Understanding the complexities of the healthcare industry and navigating the process of claims reimbursement generally requires the experience of a healthcare reimbursement attorney. To learn more about what these attorneys do and how they can help your physician’s office or healthcare practice, read on.
What Does a Healthcare Reimbursement Attorney Do?
A healthcare reimbursement attorney (also sometimes called a medical revenue attorney, medical revenue recovery attorney, or simply…
Continue Reading What to Look for in a Healthcare Reimbursement Attorney