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

Owning a small business requires a substantial investment of time, energy, and money—and no matter how careful you are, things do not always go exactly to plan. An injury or illness that keeps you or a key employee out of action for even a few months could have disastrous consequences for your business, not to mention your personal income.
Purchasing the right disability insurance policies, with the coverage you need, can give you peace of mind and turn a major catastrophe into a small bump in the road. But how do you know what you need? And what do you…
Continue Reading Disability Insurance for Small Business Owners: A Quick Primer on Coverage Options and Claims

Any good business owner knows that people are a company’s most valuable resource. Making sure you have the right people in the right roles can make or break your company.
That is especially true in a small business, where the loss of even one key employee may be enough to shut down an entire department, halt workflows, and jeopardize client relationships. While most companies try to avoid putting the health of the entire organization in the hands of just one or two key employees, it’s not always feasible for smaller operations.
Key person insurance policies, like key person disability insurance…
Continue Reading Key Person Disability Insurance and Key Person Life Insurance: What Business Owners Need to Know

With nearly $20 billion in annual revenue (and a net profit of $1.4 billion in 2021), Lincoln Financial Group is easily one of the largest financial services and insurance companies in the United States. And when it acquired Liberty Life Assurance Company of Boston in 2018, it became America’s largest provider of fully insured disability policies in the country. if you have a group long-term disability or short-term disability policy, there is a decent chance Lincoln Financial issued it.
Of course, insurance companies generally don’t grow to the size of Lincoln Financial by always paying out full disability benefits to…
Continue Reading Why Was My Lincoln Financial Disability Claim Denied?

Crohn’s disease and inflammatory bowel disease (IBD) are often considered “invisible disabilities,” but they can have a profound effect 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 want to help. We guide professionals throughout Chicago, Illinois, and the rest of the country through their complex disability insurance claims. In…
Continue Reading Crohn’s Disease and Long-Term Disability Insurance: A Claimant’s Guide

An estimated 60 to 80 percent of us will experience back pain during our lifetime. When conservative treatment options like injections and physical therapy do not control your chronic back pain, surgery might be your next option. If you are facing a spinal surgery, you are not alone. Between 1998 and 2008, the number of back surgeries performed in the U.S. increased by more than 250%. More than a million people each year undergo these invasive operations. Most people are unable to work while recovering from a back surgery. During this period, you may qualify for monthly disability insurance benefits…
Continue Reading Can I Get Disability for My Back Surgery? A Claimant’s Guide

In 2011, legendary basketball coach Pat Summitt announced that she had been diagnosed with early-onset dementia. She continued to coach the Tennessee Volunteers for another season with support from her staff. While this seemed novel back then, Coach Summitt’s story is increasingly common today. Doctors are diagnosing dementia earlier and earlier. That means that many people—especially people with early-onset dementia—are trying to figure out how to manage their professional lives and their condition simultaneously. If you or a loved one were recently diagnosed with dementia, you have options. Sometimes, you can manage your condition and workload—at least for a while.
Continue Reading Is It Possible to Work With Dementia? (And When Is It Time to Leave Your Job?)

As we age, our chances of needing long-term care increase—and about 53% of us will need some form of long-term care for more than a year. In 2020, the average cost of a private room in an Illinois nursing home was $84,312. In the greater Chicago area, it cost $102,384. Even if you have significant assets, these costs might seem unmanageable. That is why many people invest in long-term care insurance to help reduce this financial burden. When the insurance company denies your loved one’s long-term care claim, it can feel like a violation of trust. After all, your family…
Continue Reading Why Was My Loved One’s Long-Term Care Insurance Claim Denied?