Bryant Legal Group Blog

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At Bryant Legal Group, we get a lot of phone calls from high-income professionals, including doctors, lawyers, and entrepreneurs, who need to file a long-term disability insurance claim. Many of these professionals are struggling with their decision to file. They’ve invested a lot of time and effort into building their practices, only to find that their health is suddenly making their life’s work impossible. In this article, our experienced lawyers explain how to apply for disability insurance. Keep reading to learn more about the application process, disability laws that may impact your claim, and ways you can improve your chances…
UNUM doesn’t want to pay out your long-term disability (LTD) benefits. UNUM is a for-profit company that’s much more interested in its shareholders’ happiness and profitability than your welfare. However, the company frequently offers disability claims settlements (sometimes called buyouts) to insureds. What gives? At Bryant Legal Group, we’ve made a career out of standing up to UNUM, and we’re very familiar with their tactics. Here, we explain why you should accept a UNUM buyout and when you should fight back. What Happens When You Settle a Long-Term Disability Claim With UNUM? A settlement ends your long-term disability claim. In…
Our healthcare environment becomes more complex every year. While your organization may feel comfortable handling some provider-payer issues in-house, many medical groups are discovering that the insurance companies and other payers are becoming more aggressive with cost-cutting tactics. Whether payers are reducing your payments under a “value-based care” model or disputing the necessity of care, you need an advocate who understands these complex disputes and your legal rights. At Bryant Legal Group, we help physicians and healthcare providers throughout Illinois with their provider-payer disputes. Here are some of the essentials that every healthcare professional needs to know. 1. Provider-Payer Disputes…
If you’re receiving long-term disability benefits, you may find yourself in a confusing situation. It’s not uncommon for disabled people’s conditions to improve (or ebb and flow). However, the disability insurance company may argue that you’re no longer eligible for monthly benefit payments based on your improved circumstances. What are you supposed to do? Disabled individuals typically must take steps to improve their condition. However, when you start gaining function, your LTD insurer may start scheduling medical examinations and asking tough questions. In this blog, our experienced disability insurance lawyers explain how you should handle this situation and what you…
When you’re unable to work due to a serious injury, illness, or chronic condition, you’ll get a lot of advice. “File for disability” is a common suggestion that doctors, colleagues, and loved ones may offer. But, you’ll quickly find that “disability benefits” come in various forms. Should you file claims with your private or group disability insurance plan or the Social Security Administration?  Sometimes, the answer is “file both.” However, Social Security and disability insurance claims are very different, and you need to understand what each type involves. In this article, the experienced disability lawyers at Bryant Legal Group explain the differences between long-term disability insurance and Social Security disability benefits.  Please note that Bryant…
As a professional or entrepreneur, you’ve worked tirelessly to build your practice or business. When a health issue or injury makes it impossible for you to do your job, you’ll need financial support while you care for yourself and focus on your recovery, and short-term disability is supposed to provide that support. Unfortunately, many claimants make mistakes during the application process, which complicates their claims and leads to unnecessary appeals. For more than a decade, Bryant Legal Group has helped people throughout Illinois get the short-term disability benefits they deserve. In this article, we outline the essential steps in the…
It’s not uncommon for insurance companies to request face-to-face meetings with people who file short-term and long-term disability claims. The adjuster or representative may describe it as a “field interview” or simply as a “casual meeting.” However, most of these meetings have another purpose: the insurance company wants to spy on you. In this article, our disability insurance lawyers at Bryant Legal Group explain the risks associated with a field interview and suggest ways that you can minimize the harm. What Is a Disability Insurance Field Interview? Insurance adjusters claim that field visits are simply a chance to get to…
When you’re unable to work due to a serious health condition or injury, hiring a lawyer may seem like an unwanted expense. However, federal disability insurance laws may allow you to try to collect some attorney fees from your disability insurance carrier to offset your bill for attorney fees if you meet specific criteria. In this blog, our disability insurance lawyers at Bryant Legal Group outline the essentials of ERISA’s fee-shifting laws and explain how they may impact your claim for long-term or short-term disability benefits. What Is ERISA? ERISA (Employee Retirement Income Security Act of 1974) is a federal…
Most people who suffer a mild traumatic brain injury or concussion heal quickly, often within a month. However, not everyone is so lucky. Approximately 30% of people with concussions develop post-concussion syndrome (PCS), which can last a lifetime. If you live with PCS and can no longer work, you may be eligible for short-term or long-term disability benefits. In this blog, the experienced disability insurance lawyers at Bryant Legal Group discuss the essentials of a post-concussion syndrome claim. What Is Post-Concussion Syndrome? Post-concussion syndrome occurs when your mild TBI symptoms, like headache, ringing in the ears, blurred vision, and fatigue,…
Whether you’re interested in submitting a claim for long-term disability benefits, are currently involved in a disability insurance dispute, or are already getting benefits, chances are you’ve at least considered the tax consequences. Unfortunately, there’s no simple answer to the question, “are short- and long-term disability benefits taxable?.” Instead, it depends on your circumstances. At Bryant Legal Group, we’ve spent decades helping people navigate their disability insurance claims. In this blog, we’ll discuss the factors that will impact your long-term and short-term disability benefits’ taxability. Basics of Long-Term Disability Income Taxation The IRS addresses disability insurance benefit payments in Section 105…
Whether you’re interested in submitting a claim for long-term disability benefits, are currently involved in a disability insurance dispute, or are already getting benefits, chances are you’ve at least considered the tax consequences. Unfortunately, there’s no simple answer to the question, “are short- and long-term disability benefits taxable?.” Instead, it depends on your circumstances. At Bryant Legal Group, we’ve spent decades helping people navigate their disability insurance claims. In this blog, we’ll discuss the factors that will impact your long-term and short-term disability benefits’ taxability. Basics of Long-Term Disability Income Taxation The IRS addresses disability insurance benefit payments in Section 105…
Many people receive variable income because they’re small business owners, salespersons, freelancers, or receive performance-based commissions or bonuses. If your income is variable on a day-to-day, week-to-week, or month-to-month basis, you may be concerned about the potential impact on your disability insurance benefits. Insurers are always looking to minimize their costs, and if you have a variable income, they may try to underestimate your income to lower your benefits. As the insurance policyholder, however, you are entitled to challenge an insurer’s attempt to wrongfully deny, undervalue, and mishandle your claim. In this article, our disability insurance lawyers at Bryant Legal Group explain…
Chronic kidney disease (CKD) is much more common than you think. About 37 million people live with CKD, and many more cases are undiagnosed. Kidney disease is the ninth leading cause of death in the United States; every day, about 340 people start dialysis. Many people assume they need to be in kidney failure before they qualify for long-term disability benefits. At Bryant Legal Group, we help people get the disability insurance benefits they deserve, even before they require dialysis or a kidney transplant. Keep reading to learn more. What Is the Difference Between Chronic Kidney Disease and Kidney Failure?…
Dentists, orthodontists, endodontists, and other dental professionals often purchase long-term disability (LTD) insurance as a safety net. Many of these providers have built thriving businesses, and they know that an unexpected illness, injury, or disability can endanger everything they’ve worked for. However, you may be surprised to discover that dentists, like many other professionals, have a hard time getting the disability insurance benefits they deserve. At Bryant Legal Group, we represent dentists and other medical professionals in their ERISA and private disability insurance claims. Here, we outline some important factors you need to consider as you prepare your LTD claim.…
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…