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Dec 12, 2019 | Blog | Insurance companies and their insureds do not interact on a level playing field. The balance of power favors big business. However, when these companies unreasonably deny healthcare claims, they can put you in a precarious and vulnerable position. That’s why insurers owe their policyholders a duty of good faith and fair dealing. At Bryant Legal Group, we help people when their health insurers deny legitimate claims, improperly delay benefits, or otherwise act in bad faith. In this article, we outline everything you need to know about health insurance bad faith claims. When…
Dec 10, 2019 | Uncategorized | If you’re one of the estimated 1.1 million people living with HIV and AIDS in the United States, you know that medical advances have significantly improved your treatment options and quality of life. However, even “manageable” HIV can seriously limit your ability to work and do the things you love. At Bryant Legal Group, we help people living with AIDS and HIV apply for disability insurance benefits. In this article, we discuss the essentials of HIV-related claims and suggest some simple ways you can strengthen your application for benefits. What Is the…
Dec 5, 2019 | Blog | Unlike some states, Illinois law requires that federal courts apply a de novo standard of review in long-term disability (LTD) claims if the coverage was issued or offered in Illinois. Judges can weigh all the evidence in your claim and do not have to defer to the insurance company’s past decisions. However, that doesn’t mean that your appeal will be easy. If an insurance company has denied your long-term disability (LTD) benefits in Illinois, you need to understand how the courts will assess your legal and factual arguments. To learn the essentials, keep…
Dec 3, 2019 | Blog | If you’ve filed a short-term disability claim, you might feel like the insurance company is giving you the runaround or mishandling your claim — and there’s a good chance you’re right. Insurers are fundamentally incentivized to deny, delay, and otherwise mishandle short-term disability claims so that they don’t have to pay out the benefits you deserve. At Bryant Legal Group, we help people throughout Chicago and Illinois with their short-term disability claims. With decades of collective experience, we’ve seen almost every tactic and strategy that insurance companies use against claimants like you.…
Dec 3, 2019 | Blog | If you’ve filed a short-term disability claim, you might feel like the insurance company is giving you the runaround or mishandling your claim — and there’s a good chance you’re right. Insurers are fundamentally incentivized to deny, delay, and otherwise mishandle short-term disability claims so that they don’t have to pay out the benefits you deserve. At Bryant Legal Group, we help people throughout Chicago and Illinois with their short-term disability claims. With decades of collective experience, we’ve seen almost every tactic and strategy that insurance companies use against claimants like you.…
Nov 26, 2019 | Blog | Preparing your disability insurance claim with Prudential Insurance Company of America (Prudential) can be complicated, nerve-wracking, and essential to your future. Unfortunately, this process can go very wrong through no fault of your own. That’s because insurance companies like Prudential often use underhanded tactics to delay or deny valid claims. In this blog, we outline four common Prudential tactics to look out for. Prudential Insurance Has a History of Denying Valid Claims Prudential is one of the world’s largest insurance and financial services companies. In 2018 alone, the company earned more than $58…
Nov 19, 2019 | Blog | If you’re living with a disabling condition, you probably have a long list of symptoms that don’t show up on an x-ray or MRI. These might include fatigue, nausea, chronic pain, depression, and anxiety. While these conditions are very real, disability insurance companies are often skeptical of subjective or self-reported symptoms. In this blog, Bryant Legal Group explores these hard-to-understand symptoms and how insurers try to use them to deny or reduce the value of long-term disability (LTD) claims. What Are Self-Reported Conditions? Self-reported conditions involve symptoms that cannot be objectively confirmed…
Nov 12, 2019 | Blog | While only an inconvenience for some, neuropathy can be debilitating for others. Unfortunately, peripheral nerve disorders — such as Guillain-Barre syndrome, carpal tunnel syndrome, and diabetic neuropathy — are sometimes difficult to diagnose and understand. In this blog, Bryant Legal Group discusses the diverse causes of peripheral nerve damage, common treatment options, and suggestions for your long-term disability (LTD) claim. What Are Peripheral Nerves? Your nervous system is made up of two essential parts. First, your central nervous system, which includes your brain and spinal cord, processes and responds to information. Second,…
Nov 5, 2019 | Blog | You’ve filed your application for long-term disability (LTD) benefits, meticulously filling out all the necessary information and submitting all of your relevant medical records. When you get the insurance company’s response, you’re shocked to see a denial of benefits. Unfortunately, the insurance company determined that your disabling conditions were pre-existing. At Bryant Legal Group, we’re used to insurance companies broadly interpreting our clients’ medical records and incorrectly applying pre-existing condition exclusions. Learn how you can fight back to get the LTD benefits that you deserve. 1. Pre-Existing Conditions Can Be Either Mental…
Oct 22, 2019 | Blog | Most of us will experience knee pain during our lifetimes. This pain can stop us from doing the things we love, and it can even rule out simple activities like taking a walk or sitting down comfortably to read a book. When knee pain gets this severe, a knee replacement may offer much-needed relief. However, not everyone who undergoes a total knee replacement can return to work and enjoy their life as they knew it. In these cases, long-term and short-term disability insurance can help. To learn more about knee replacement and disability…
Oct 15, 2019 | Blog | As you prepare your application for long-term disability (LTD) benefits, you’ll quickly realize how important your doctors’ opinions are to your claim. Unfortunately, many people are uncomfortable discussing their disability with their doctors and avoid these crucial conversations. In this article, Bryant Legal Group suggests some ways you can broach the topics of your disability and functional capacity with your doctor. Keep reading to learn more. Your Doctors’ Opinions Carry Significant Weight in a Long-Term Disability Claim When you apply for long-term or short-term disability, you will have to outline your limitations and…
Oct 8, 2019 | Blog | When they can no longer work, many people turn to their MetLife long-term disability insurance. Unfortunately, the company denies a large number of claims each year, and many deserving people are left in financial limbo. Before you give up and accept MetLife’s decision, you should always consult with a respected 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 the essential steps you should take after a disability insurance denial. MetLife Is a…
Oct 1, 2019 | Blog | When you research disability insurance benefits, most of the information you’ll find addresses employer-sponsored disability plans. However, many people, especially self-employed individuals, purchase private or individual disability insurance as a safety net. You might not realize that private long-term disability (LTD) insurance claims involve a different set of rules than their employer-sponsored counterparts. In this blog, the team at Bryant Legal Group answers five of our clients’ most frequent questions about individual disability insurance. 1. What’s the Difference Between Private Disability Insurance and ERISA Plans? If you’ve been researching disability insurance claims,…
Sufferers of migraine headaches, like many people with “invisible” conditions, frequently have their symptoms misunderstood and minimized. However, if you’re one of the 2 million people in the United States who live with migraines, you know exactly how debilitating and frustrating they can be. Many people who suffer from chronic migraines can’t work consistently, which may eventually force them to apply for long-term disability (LTD) benefits. In this article, we’ll explain the basics of how migraine-related long-term disability claims work. Keep reading to learn more. What Is a Migraine? Migraines are recurrent headaches that often cause severe, debilitating symptoms. A…
Sep 17, 2019 | Blog | If you’re like many Illinois residents, you have employer-sponsored benefits from Lincoln Financial Group — and you may be running into red tape or other difficulties with your insurance adjuster. At Bryant Legal Group, we have extensive experience handling Lincoln Financial long-term disability (LTD) claims, and we want to share our unique insights. Keep reading to learn more about Lincoln Financial Group, its history of delaying claims, and how you can improve your chances of a successful LTD appeal. Lincoln Financial: One of the Largest Disability Insurance Companies in the Country Founded…
Sep 10, 2019 | Blog | Severe neck pain is one of the most debilitating and frustrating conditions a person can experience. It’s not uncommon for neck pain sufferers to struggle to keep up with the physical and mental demands of their jobs, which may force them to file for long-term disability (LDA) benefits. However, before you file for disability insurance benefits, it’s always a good idea to go over your medical conditions and abilities as well as other factors that might affect your claim — preferably with help from an experienced disability lawyer. In this article, we’ll…