Bryant Legal Group Blog

Latest from Bryant Legal Group Blog

You have probably heard that doctors and other medical professionals should invest in “own occupation” disability insurance. However, many physicians do not realize that insurers sometimes include loopholes and unfavorable terms in their private disability insurance policies—which are sometimes discovered only after you file for short-term or long-term disability. In this blog, our disability insurance lawyers outline three things you should look out for in your policy. We will also suggest ways to improve your chances of getting the benefits you deserve. What Is an “Own Occupation” Disability Policy? Most private insurance policies include one of the following definitions of…
When was the last time you reviewed your long-term disability (LTD) coverage? If you’re like most dental professionals, it’s been a while—and there’s a good chance you’ve outgrown your coverage. The COVID-19 pandemic has painfully reminded us how an unexpected pause in your practice can be catastrophic. That’s why I’m encouraging you to review your policy and take a proactive approach to disability planning. Dentists Face a High Likelihood of Disability Dentistry takes a toll on your body. Even if you’re not stooping all day, research shows that a dentist’s static posture, use of hand tools, repetitive motions, stress, and…
For many women, pregnancy is one of their first encounters with disability insurance. If your state or employer doesn’t provide for paid maternity leave, there’s a good chance you will end up filing for short-term disability insurance benefits. And, if you suffer complications that make it difficult to return to work, you could also qualify for long-term disability benefits. So, while you are researching childcare options, preparing the nursery, and looking for a pediatrician for your new baby, it is also worth checking your disability insurance policies. In this article, our respected disability attorneys explain how disability insurance for pregnancy…
If you are filing a claim for short-term or long-term disability benefits, you need to be prepared. The insurance company will never take you at your word and pay your case. Instead, you will need compelling evidence that shows that you are disabled and meet all your policy’s criteria. It is not easy to build up a disability insurance claim, especially when you are dealing with life-changing medical conditions or injuries. Unless you carefully collect all your medical records and other supporting data, you will never get the benefits you deserve. In this article, our respected disability attorneys explain the…
If you are researching UNUM disability insurance claims, you have probably read a lot of worrisome things. The company is notorious for wrongfully denying claims and prioritizing profits over its insureds. However, with the right knowledge and tools, you might get the short-term disability benefits you deserve. In this article, Bryant Legal Group’s disability insurance lawyers highlight some of UNUM’s tactics and suggest ways you can fight back. UNUM Short-Term Disability Insurance: An Overview UNUM is one of the largest disability insurance companies in the United States. They sell policies to both individuals and employers that provide a monthly benefit…
If you are getting ready to file for disability benefits, you have encountered discussions about private disability insurance, ERISA plans, and Social Security disability. However, you might not really understand the precise differences between these policies and programs. In this article, the disability insurance lawyers at Bryant Legal Group explore private disability insurance, its importance, and common issues that arise during a private disability insurance claim. Private Disability Insurance vs. Group Disability Plans Disability insurance coverage pays a monthly benefit when you are unable to work due to an illness, injury, or chronic medical condition. For-profit insurance companies sell these…
Cancer will inevitably change your life. While some people can continue to work during treatment, many struggle to balance their job duties, symptoms, and doctor’s appointments. Thankfully, you might be eligible for short-term disability benefits during your treatment. Bryant Legal Group helps people battling cancer get the disability insurance benefits they deserve. We understand how both the disease and treatment can make it hard to do the things you love—both at work and at home. Working During Cancer Treatment: What to Expect Your ability to work during cancer treatment will depend on a variety of factors: The type of cancer…
If your healthcare organization experiences double-digit denial rates, you are not alone. In 2020, the average denial rate for hospitals was roughly 11% for initial claims. This means that you are spending a remarkable amount of your practice’s resources on appeals and collection efforts—and some of these denials will not be recoverable. Our physician and medical practice lawyers want to help. While some payer-provider disputes require litigation, many are avoidable. In this article, we outline ways that you can improve your payment processes and reduce your healthcare payer denials. What Causes Most Healthcare Payer Denials? The data suggest that many…
You probably have a love-hate relationship with your healthcare payer contracts. While they are essential to your practice or medical group’s financial security, they also cause countless headaches and payment delays. If the legalese and convoluted terms of your payer contracts are creating inefficiencies and uncertainty, you’re not alone. Our physician and medical practice lawyers help providers across Illinois resolve their contract disputes and get prompt payment for their services. In this blog, we discuss common issues that healthcare professionals encounter in their payer contracts and suggest ways you can improve your reimbursement systems. Understand Your Contractual Rights to Simplify…
If you’re unable to work due to a medical condition or injury, a human resources representative might give you information about short-term disability insurance and FMLA leave. At first glance, these two programs might seem very similar, since they both offer protections when you’re unable to work. However, they’re quite different. Bryant Legal Group’s disability insurance lawyers focus on short-term and long-term disability claims, not employment-related issues like the Family Medical Leave Act (FMLA). Still, our clients often have questions about how these rules and regulations interact. Keep reading to learn the difference between short-term disability vs. FMLA. What Is…
If you’re a surgeon, dentist, or nurse, you probably spend a lot of your day bending, stooping, twisting, pushing, and reaching. This daily wear and tear can add up over time, causing spinal stenosis and other degenerative issues in your back. However, when these conditions make it impossible to work, you might face challenges in your disability insurance claims. Insurance companies often minimize the impact of spinal stenosis, noting that some people with the condition report few or no symptoms. They might even suggest that you are exaggerating your limitations for purposes of financial gain. At Bryant Legal Group, we…
UNUM and its subsidiaries, Provident Life and Accident Insurance Company and Paul Revere Life Insurance Company, have earned a reputation for prioritizing profits over people. The company takes an aggressive approach to its claims, often trying to force claimants into unfair settlements by delaying or denying their claims. If you’re considering working with a UNUM long-term disability lawyer, you need to make sure you find someone who is experienced and client-focused. In this blog, we highlight several factors you should always look for in a disability insurance firm. UNUM Has a History of Wrongfully Denying Long-Term Disability Benefits UNUM is…
When you’re living with chronic back pain or a spinal cord injury, you may be willing to try anything to alleviate your symptoms. From physical therapy and surgeries to chronic pain management, doctors have a wide variety of treatment options that may improve your quality of life. Sometimes, they suggest a spinal cord stimulator. These devices can reduce pain and improve function, but they are not a cure-all. If you’re considering a spinal cord stimulator, here are the essentials that you need to know. We’ll also explain how a stimulator may impact your long-term disability claim. What Is a Spinal…
It can seem like disability insurance claims drag on forever. Sometimes delays are justified and inevitable—it can take time to collect and evaluate all of your medical records and other evidence. However, not all delays are so innocent. Occasionally, insurance companies hold off on approving undeniably valid claims for disability insurance benefits, hoping that you’ll give up, make a mistake, or accept an unreasonably low settlement. When this happens, you have legal options. In Illinois, as in most other jurisdictions, disabled policyholders can sue their insurance company when it delays decisions about coverage, eligibility for benefits, or other issues in…
Most of us understand that the value of a dollar changes over time due to inflation and the evolving cost of living. However, when you’re considering your disability insurance options, you might not assess how far your monthly benefit will go in five to ten years. What may seem like an adequate recovery may quickly become insufficient as the cost of living rises. Disability policyholders concerned about the sufficiency of their coverage over an extended period can purchase a supplemental cost-of-living adjustment (COLA) rider that will result in a steady increase in their benefits as time passes. Keep reading to…
Hand-intensive work that involves gripping, grasping repetitive motions, or vibration can take a toll on your body. As we age, studies show that we’re more likely to develop hand arthritis and pain—and if you’re a dentist, surgeon, or work in another field that requires dexterity and hand strength, your condition may quickly become disabling. If you’re considering filing a claim for short-term or long-term disability insurance, we want to help. Our lawyers assist people living with osteoarthritis and hand pain with their disability insurance claims. In this article, we discuss the essentials of hand-related claims and suggest some simple ways…