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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…
Sep 3, 2019 | Blog | Sleep is essential to our overall health. Studies show that when we get less than seven hours of sleep each night, we’re more likely to suffer from chronic health conditions like heart disease, diabetes, obesity, and depression. Sadly, about a third of people in the United States consistently get less sleep than they need. While some people suffer from sleep deprivation due to long nights at the office, lifestyle choices, or the demands of raising a family, others can’t get enough sleep because of medical conditions like obstructive sleep apnea (OSA). When these…
Aug 27, 2019 | Blog | As you prepare a short or long-term disability claim, you’ll face countless questions about your symptoms, limitations, and daily activities. It can be difficult to articulate accurate, honest answers to questions about your ability to stand, lift, and walk. Thankfully, there are tools that can help. At Bryant Legal Group, we suggest keeping a disability journal to help you understand the full extent of your symptoms and limitations, giving you information that may lead to a stronger application for benefits and streamlined claim process. In this article, we explain the essentials of…
Aug 20, 2019 | Blog | The Hartford is a massive insurance company. Founded more than 200 years ago, it is the second-largest provider of group life and disability insurance in the United States. The insurance company expanded significantly in 2017, when it acquired Aetna’s disability insurance business. In 2018, The Hartford made $19 billion in profits. At Bryant Legal Group, we help disabled people navigate their short and long-term disability claims with The Hartford. Over the decades, we’ve learned a lot about the company’s tactics. Keep reading to learn four essential things that every Hartford claimant needs to…
Aug 13, 2019 | Blog | Chronic pain is a frustrating and widely misunderstood condition that disables roughly 100 million Americans. A variety of circumstances can cause it — including trauma, surgery, cancer, and nerve damage. Unfortunately, this pain can persist even after the underlying condition resolves. If you’re struggling with chronic pain, you may be eligible for long-term disability benefits — but don’t be surprised if the insurance company puts up a fight and denies your claim. In this article, the disability insurance lawyers at Bryant Legal Group explain the essentials of a chronic pain syndrome claim. What…
Aug 6, 2019 | Blog | If you’re on long-term disability (LTD), your insurance company might encourage you to apply for Social Security disability benefits. The company may even offer to connect you with a representative who will file your application and appeals. However, the insurance company isn’t doing this out of kindness — the company wants to reduce your LTD benefits and recover some (or all) of its payments. While you may have to repay the disability insurance company, don’t panic. You have a variety of options, and a lawyer at Bryant Legal Group can guide you through…
Jul 23, 2019 | Blog | During a long-term disability (LTD) claim, you may worry that private investigators are watching your every move, but it might surprise you that most of this surveillance occurs online. Today, disability insurance companies like UNUM, MetLife, and Aetna use social media and online monitoring to deny and terminate disability claims — even when the person has a valid claim. In this article, we will discuss how the insurance company may try to use your online data against you and what you can do to combat these tactics. Modern Surveillance Starts Online Historically,…
Jul 16, 2019 | Blog | According to the Substance Abuse and Mental Health Services Administration, approximately 19.7 million people (aged 12 and above) struggle with some form of substance use — including addictions to alcohol, opioids, prescription medications, and illicit drugs. Today, substance use impacts every social, economic, and demographic group. However, when substance abuse limits or eliminates your ability to work, you might find yourself battling your insurance company. Today, the disability professionals at Bryant Legal Group are going to explain how addiction can impact your long-term disability (LTD) claim. The Science of Addiction Some people…
Jul 9, 2019 | Blog | Almost every day, we speak with people who have questions about their UNUM long-term disability claims. Unfortunately, that insurance company has a reputation for mishandling disability claims and unfounded benefits denials. At Bryant Legal Group, we’ve handled countless UNUM disability claims and understand how the company operates. While nothing compares to a personalized assessment from one of our disability lawyers, here are four things you need to know about UNUM. 1. UNUM Is One of the Largest Disability Insurance Companies in the Country UNUM is a giant in the disability insurance industry.…
Jul 2, 2019 | Blog | Over the past several years, public awareness of traumatic brain injuries (TBI) has dramatically increased. While this awareness is leading to earlier diagnoses and proactive treatment, TBI is still a widely misunderstood condition. If you or a loved one can no longer maintain full-time employment due to a traumatic brain injury, it may be time to explore a long-term disability (LTD) claim. Here, the attorneys at Bryant Legal Group discuss TBI and the disability claim process. What Is a Traumatic Brain Injury? The brain is your body’s control center. It produces your…
Jun 25, 2019 | Blog | If you’re living with heart disease and struggling to maintain steady employment, you’re not alone. Every 40 seconds, someone in the United States has a heart attack. Nationwide, we lose hundreds of billions of dollars in productivity every year due to cardiac issues like coronary artery disease and heart failure. At Bryant Legal Group, we understand how deeply these conditions can impact your life, finances, and future. That’s why we help people with heart disease file their long-term disability claims. Below, we outline the essentials that every heart disease survivor needs to…