Bryant Legal Group Blog

Latest from Bryant Legal Group Blog

An estimated 1.5 million people live with lupus in the United States, and roughly 16,000 more are diagnosed each year. If you’re living with this complicated disease, you know its challenges first-hand. Lupus is hard to diagnose and treat, and many people won’t understand how this “invisible” condition affects your life. At Bryant Legal Group, we’re here to help. Our lawyers assist people living with lupus and other autoimmune disorders through their disability insurance claims. In this article, we discuss the essentials of lupus-related claims and suggest some simple ways you can strengthen your application for benefits. (Please note that…
If you have a serious medical condition, you may worry that you’ll soon be unable to keep up with the demands of your job. In fact, one of the most common questions we hear is, “Can I apply for disability insurance if I’m still working?” The answer is that you typically cannot receive disability insurance benefits before you leave your job — but you can start preparing your claim. In this article, our disability insurance lawyers explain the basics of a disability insurance application. We’ll also give you a disability checklist that will help you prepare your claim. Chronic and…
When you live with depression, anxiety, bipolar disorder, or another mental health condition, it can be hard to maintain employment. At Bryant Legal Group, we know how frustrating it is to suddenly find yourself unable to control your symptoms, especially if you’ve worked hard to build your career. Insurance companies, however, take a different view. Because they’re for-profit companies, insurers see long-term disability claims for mental health conditions as an expensive burden. That’s why insurance companies often add limitations and exclusions that can affect your ability to get long-term disability benefits for mental illness. Most (but not all) group long-term…
When you’re unable to work due to an injury, illness, or chronic condition, the last thing you want to do is wait for disability insurance benefits. Unfortunately, many short-term and long-term disability policies contain “elimination periods” that must pass before you can receive compensation. What Is an Elimination Period? Under most disability insurance policies, you must wait a period of time before the insurer will pay out your benefits. This waiting period is called the elimination period. Most short-term disability policies have an elimination period of between 0 and 14 days. Long-term disability policies have varying waiting periods, but 90…
Let’s be clear: there is nothing “independent” about UNUM’s medical examinations. The disability insurer works closely with a network of doctors and medical providers whose primary goal is building cases against you and other UNUM claimants. If an insurance adjuster schedules you for an IME (independent medical examination), you need to be prepared. However, you can beat a UNUM IME. As part of our UNUM series, Bryant Legal Group outlines the IME process, discusses some IME doctor tricks, and explains how you can protect your long-term disability claim from a damaging IME report. What Is an “Independent Medical Examination?” Most…
“It’s easier if we talk this over face-to-face,” says your UNUM claims adjuster. “We’ll drive to your home to go over the paperwork.” They suggest an in-person meeting. Unfortunately, UNUM’s field visits aren’t always designed for your benefit. Like many long-term disability insurance companies, UNUM uses these interviews as an opportunity to investigate claimants, and at times, discredit them.  At Bryant Legal Group, we’ve handled many UNUM long-term disability claims that involve both employer-sponsored and private insurance plans. We’ve seen most of the company’s tactics firsthand, and we can help you combat them. In the second part of our UNUM…
UNUM is one of the United States’ largest insurers and is notorious for denying long-term disability claims. At Bryant Legal Group, we fight for disabled claimants, helping them get the benefits they deserve. Over the years, we’ve handled many claims against UNUM, both involving employer-sponsored and private insurance policies. In our UNUM series, our team of disability insurance lawyers will explore the many reasons behind the insurance company’s frequent denials. Here, you’ll learn how financial incentives can skew UNUM’s claim decisions. As UNUM Grew, It Inherited Lots of Expensive, Private LTD Policies For high-net-worth professionals, private long-term disability policies are…
Today, more than ever, we’re painfully aware of how infectious diseases can dramatically impact your life. Whether you’re dealing with coronavirus, influenza, MRSA, C. Diff, or another disease, you’ll likely need time to rest and recover before you return to work. And, due to some diseases’ severe symptoms and long-term effects, you may become permanently disabled. At Bryant Legal Group, we want to help you regain control. Our disability insurance lawyers help people living with both acute and chronic diseases with their long-term and short-term disability claims. In this article, we’ll explain the basics of a disability claim involving an…
You’ve paid your private disability insurance premiums on time for years. Then, when you file a claim for disability insurance benefits, you get a letter saying you “hid” a medical condition, and your policy is canceled or void. How can this happen? Most private disability insurance policies require that you tell the truth and accurately describe your medical conditions in an application. But even if you’ve been completely truthful, insurers will sometimes try to void your policy to get out of paying your short-term and long-term disability benefits. If you made a mistake on your disability insurance application or the…
When most of us think about “disability,” we define the term simply: you can’t work because of an illness, medical condition, or injury. However, when you apply for long-term disability insurance, you’ll discover that “disability” can mean many different things, depending on your policy. Unfortunately, many disabled individuals don’t realize that their policy’s language can have a profound impact on their right to benefits. This lack of understanding can lead to a lot of frustration and denied benefits. In this blog article, our disability insurance lawyers break down the difference between “own occupation disability” and “any occupation disability.” Read Your…
It can be hard to find reliable, understandable information about disability insurance law. Online search engines often confuse disability insurance and Social Security, which can lead to confusion and bad advice. At Bryant Legal Group, we focus our practice on disability insurance claims, handling both ERISA and private insurance issues. In this blog, we answer 10 of our clients’ most common short-term and long-term disability insurance questions. 1. What Is ERISA? ERISA stands for the Employee Retirement Income Security Act of 1974. ERISA is a federal law that controls many employer-sponsored benefits, including disability insurance, retirement, and pension plans. Congress…
Mutual of Omaha is one of the country’s largest disability insurers, offering both short-term and long-term disability policies to employers and individuals. While Mutual of Omaha isn’t as notorious as UNUM or MetLife, the company still has a significant history of improperly denying disability claims. If you’re about to apply for benefits or file an appeal with Mutual of Omaha, get ready for a fight. In this article, our disability lawyers will introduce you to Mutual of Omaha, explain some of their tactics, and discuss ways you can improve your chances of getting short-term and long-term disability benefits. Meet the…
For many people, returning to work after a serious illness or injury, even on a part-time basis, feels like an important milestone. Your role as a working person or professional is probably an essential part of your identity; getting back into the workforce can help you feel like you’re on the path to recovery. Some long-term disability (LTD) plans do allow people to attempt a return to work, but you’ll need to review your policy’s terms and conditions carefully. If you’re not careful, returning to the workforce may lead to termination of your benefits. In this article, the disability insurance…
Lyme disease, like many so-called “invisible” chronic conditions, is often misunderstood. While many people quickly recover from the infection, others struggle with long-term fatigue, muscle aches, and cognitive difficulties. Lyme disease can make working and doing other things you love virtually impossible. At Bryant Legal Group, we help people struggling with Lyme disease and other chronic conditions get the disability insurance benefits they deserve. In this article, our short-term and long-term disability lawyers explain why Lyme disease is on the rise and describe what you can do to strengthen your disability claim. What Is Lyme Disease? Lyme disease is the…
Before you file an ERISA lawsuit, you must follow a very specific process, and a single mistake can have serious consequences. Unfortunately, many disabled people don’t fully understand how ERISA claims work. In this article, our experienced disability insurance lawyers outline the basics of an ERISA claim, how to “exhaust your administrative remedies,” and when you can file a disability insurance lawsuit. What Is the ERISA Claims Process? ERISA (Employee Retirement Income Security Act of 1974) applies to most employer-funded benefit plans, including long-term and short-term disability policies. Many claimants mistakenly believe that this administrative appeals process will be quick…
If you’re unable to work due to an injury, illness, or chronic medical condition, you may be eligible for short-term disability benefits. However, applying for disability insurance benefits isn’t as simple a process as you might imagine; it takes precision and a comprehensive legal strategy. Our ERISA lawyers at Bryant Legal Group are here to help. In this article, our attorneys outline five ways you can improve your chances of getting your short-term disability approved. How Does Short-Term Disability Work? Short-term disability insurance is supposed to cover some of your lost income when you’re unable to work due to an…