Latest from Bryant Legal Group Blog

There’s a huge relief that comes when your initial claim for long-term disability insurance benefits is approved and consistent monthly checks start coming in. No more financial insecurity. No more worrying about being able to afford the life you worked hard to build. Right?
Unfortunately, it doesn’t always play out that way. Long-term disability benefits are expensive. And while your insurance contract may promise that benefits are payable for a certain period—maybe even until retirement age—there are plenty of terms, conditions, exclusions, and exceptions in the fine print. The insurance company has a strong financial incentive to determine you’re no
Continue Reading What To Do if Your Long-Term Disability Benefits Are Terminated

According to Northwestern Mutual’s 2023 Planning & Progress Study, an estimated 37% of American adults work with a financial advisor. The rates certainly are even higher among entrepreneurs, educated professionals, and high wage earners.
Financial advisors play a critical role in helping their clients invest, manage risks, and protect their financial future. And that very much includes preparing for the possibility of a long-term disability. If you’re a financial advisor, you likely already have several clients in this exact situation.
Long-term disability insurance is a crucial part of making sure your clients successfully manage this risk and protect the lives
Continue Reading What Financial Advisors Need to Know About Long-Term Disability Insurance

If you’re a physician, lawyer, dentist, or other high-income professional working in a complex field, you shouldn’t go without robust long-term disability insurance coverage. You’ve dedicated countless hours to mastering your craft and worked hard to build a certain standard of life for yourself and your family. Without a comprehensive disability insurance policy, however, a single unexpected illness or accident could mean losing it all.

But not all disability insurance policies are created equal—and the worst time to find out that your insurance policy isn’t good enough is when you’re filing for disability benefits. You may think your “own occupation”
Continue Reading Doctors, Lawyers, Professionals: Do You Need Specialty-Specific Disability Insurance?

With more than $23 million in in-force premiums, Guardian Life Insurance Company (often through its subsidiary Berkshire Life Insurance Company) is one of the largest providers of group disability insurance policies in the United States. Physicians and highly educated professionals are especially likely to have disability benefits through Guardian, as it is one of the relatively few disability insurance companies to provide “true” own-occupation policies.

While Guardian does offer many long-term disability insurance policies with robust coverage, that does not mean they will handle every disability claim accurately or fairly. Like all disability insurance companies, they make their money by
Continue Reading How to Appeal a Guardian Long-Term Disability Denial

Over the past several decades, advances in health care, hygiene, nutrition, and other factors have helped increase life expectancy. But with longer lifespans also comes a greater need for assisted living facilities, nursing homes, and other long-term care options for seniors.
Roughly half of all adults will need long-term care at some point in their lives. That includes roughly 2 out of 3 seniors who are currently 65 or older, according to the Administration for Community Living.
One way to help prepare for this possibility is by purchasing long-term care insurance, usually as a component of a broader life
Continue Reading What Does Long-Term Care Insurance Cover?

Whether you’ve just filed a long-term disability claim, or you’ve been on claim for years, chances are sooner or later you’re going to have to talk to an insurance claims adjuster, who will be responsible for approving or denying your claim.
Insurance adjusters (often also referred to as claims handlers or claims analysts) are a necessary part of the disability claims process. They help the insurance company evaluate claims and identify potential cases of fraud. But they don’t always make the right decisions, and they’re not necessarily looking out for your best interest. Insurance adjusters can and do deny or
Continue Reading How to Talk to Insurance Claims Adjusters About Your Long-Term Disability Case

In our fast-paced world, the pursuit of success can come at a cost—the silent struggles of mental health. For countless professionals, the demands of work, the pressures of daily life, and the weight of expectations take a toll on mental well-being. Sometimes, that toll is acute enough that it may be impossible to perform your job duties for days or weeks at a time. Perhaps longer.

Short-term disability insurance is supposed to be there for you when a medical condition interferes with your ability to do your job. But can short-term disability be denied for mental health issues? The answer
Continue Reading Can Short-Term Disability Be Denied for Mental Health?

Obstructive sleep apnea (OSA) is more than just snoring or restless nights. This sleep disorder affects millions of Americans and causes potentially severe health issues, including cognitive impairments that can disrupt your daily life. For professionals, the cognitive impacts from this “invisible” disability can be especially concerning, as they can hinder your ability to excel in your career and personal endeavors.
In this blog post, we will look at the world of obstructive sleep apnea, exploring its effects on cognitive function, detailing common symptoms, and providing insights into the disability benefits available for those dealing with this condition. We will
Continue Reading Can You Get Long-Term Disability for Obstructive Sleep Apnea?

A doctor’s daily responsibilities are physically, mentally, and cognitively demanding. The nature of their work involves being on their feet most of the day, dexterous use of their hands for equipment and procedures, constant communications with patients and colleagues, and even potential exposure to hazardous conditions in their work environments like chemicals, biologics, radiation, and extreme temperatures.
Many of these factors can affect your health over time. When you select a disability policy, you are investing in security for your financial future.
So yes, doctors absolutely need long-term disability insurance also marketed as income protection insurance policies. But it’s also
Continue Reading Do Doctors Need Disability Insurance?

Crohn’s disease and inflammatory bowel disease (IBD) are often considered “invisible disabilities,” but they can have profound effects on your life. It can be impossible to work when you need unscheduled restroom breaks and live with chronic pain—not to mention the stress of living with other effects of the disease, like malnutrition and other serious symptoms.
If you have Crohn’s disease and are considering filing for long-term disability insurance benefits, the attorneys at Bryant Legal Group are here to help. We guide professionals throughout Chicago, Illinois, and the rest of the country through their complex disability insurance claims.
In
Continue Reading Is Crohn’s Disease a Disability?

Chronic fatigue syndrome (CFS) is a relatively common condition that can cause debilitating fatigue. It can last for months or even years. CFS not only prevents many sufferers from maintaining full-time employment, but also significantly impacts the quality of their day-to-day lives.
If you currently have a CFS diagnosis and you cannot work, you may be eligible to receive disability benefits under a long-term disability policy from a private insurance company. However, for many reasons, these claims tend to be extremely tough to approve. In this blog post, we’ll explain the challenges that many claimants face when attempting to receive
Continue Reading Can I Get Long-Term Disability Benefits for Chronic Fatigue Syndrome?

If you are suffering from an injury, illness, or other condition that has rendered you incapable of performing the duties of your occupation—even if only partially—then you may be entitled to significant disability insurance benefits under your private disability insurance policy. Depending on the details of your insurance plan, residual or partial benefits may be available.
Let’s look at how residual benefits work.
What Are Residual Disability Benefits?
Not every person with a disability that affects their occupational status is totally disabled. Some people with a disability may be able to work part time, or they may still be able
Continue Reading Residual Disability Benefits in Private Disability Policies: What to Know

If you’re nearing the end of the coverage period for your short-term disability insurance—and you still can’t work—you might be expecting a smooth transition from short-term benefits to long-term benefits.
Unfortunately, it doesn’t always work that way—even if both policies are with the same insurance company and provided through your employer. Although your insurance company approved your short-term disability claim, that does not necessarily mean they will approve your long-term disability benefits. Far too often, claimants are blindsided by an unexpected loss of benefits and income after long-term disability coverage is denied.
To avoid a sudden loss of coverage, it’s
Continue Reading Going from Short-Term Disability to Long-Term Disability? Avoid These Pitfalls

Ehlers-Danlos syndrome, a genetic disorder associated with hypermobility, fragile skin, and other symptoms, affects as many as 1 in 5,000 people. While some people experience mild symptoms and relatively minimal day-to-day impairments, others deal with chronic pain and severe medical complications.
If your Ehlers-Danlos syndrome symptoms prevent you from doing your job or maintaining gainful employment, you may be eligible for disability benefits under your long-term disability insurance policy.
However, your claim’s success will depend on your policy’s language, the severity of your symptoms, and how well you document your limitations. The insurance company might also question your claim, since
Continue Reading Can I Get Long-Term Disability Benefits for Ehlers-Danlos Syndrome?

As a healthcare provider, you know that accurate medical billing is critical to your practice’s financial stability. Non-compliance can have serious consequences for your practice, increasing the chances of reimbursement denials, fines, penalties, and in serious cases, even loss of licensure or litigation.
However, medical billing compliance is a complex and constantly evolving field. Healthcare organizations must stay on top of all applicable federal and state laws, Medicare and Medicaid guidelines, and private insurance contracts—and the rules are continually evolving.
As a law firm that works closely with healthcare providers on reimbursement denials, billing and compliance issues, and provider-payer disputes,
Continue Reading What Is Medical Billing Compliance? (And 5 Ways You Can Protect Your Practice)

You are (finally) receiving the long-term disability benefits you deserve. Everything should be smooth sailing from here on, right? Maybe. Under limited circumstances, LTD insurers can demand repayment of disability benefits.
Bryant Legal Group’s long-term disability attorneys work closely with disability claimants, helping them navigate their benefits claims, understand their policies, and get the benefit payments they deserve.
In this post, we will take a closer look at circumstances in which you would have to return some of your LTD benefits—and how our disability insurance attorneys can help you every step of the way.
Continue Reading Do I Have to Pay Back Long-Term Disability?