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Jun 11, 2019 | Blog | COPD can make even simple activities like walking to your mailbox difficult. While you may be painfully aware of how COPD and other breathing conditions impact your life, many people don’t realize how they impact long-term disability claims. Below, the disability insurance lawyers at Bryant Legal Group discuss how COPD affects your body, how it’s diagnosed, and how you can strengthen your long-term disability claim. How Do Lungs Work? Your pulmonary system delivers oxygen to your body and removes carbon dioxide. While your lungs play a vital role in this process, they are…
Jun 4, 2019 | Blog | Your inability to work is the key issue in a long-term disability claim. If you have physical limitations, a functional capacity evaluation (FCE) may help the insurance company gauge your ability to do your job or any type of employment. While these tests are not necessary in every disability claim, they can be a powerful, fact-based tool. However, functional capacity evaluations are not as ironclad as some would like you to believe, and a negative report can seriously harm your disability insurance claim. Before you attend an exam, you should know what…
May 28, 2019 | Blog | Dealing with autoimmune disease can feel like you’re fighting a battle no one can see. Conditions like lupus, rheumatoid arthritis, inflammatory bowel disease, and others can silently cause life-changing symptoms that go unnoticed by the people around you. At Bryant Legal Group, we help clients get short-term and long-term disability benefits for these misunderstood conditions.To learn more about autoimmune disease and disability insurance, keep reading. Autoimmune Disease Is More Common Than You Think More than 23.5 million people have autoimmune disease diagnoses. An autoimmune disease occurs when your immune system mistakenly attacks healthy…
May 21, 2019 | Uncategorized | Getting a cancer diagnosis is an incredibly stressful and difficult experience. While doctors are learning more about cancer and mortality for most forms of cancer is dropping, you may have a hard time understanding your outlook and options while you fight the disease. On top of that, the process of getting disability for cancer is much more complicated than you would expect. The best way to ease the stress of trying to receive disability for cancer is to get informed. In this article, we’ll explain how cancer diagnosis, symptoms, and treatment can impact…
May 14, 2019 | Blog | Chronic back pain can make it difficult to do everyday things like walking, lifting, or even focusing on a task. If you’re unable to work because of degenerative disc disease and your doctor supports your decision, you may be eligible for short-term or long-term disability insurance benefits. Unfortunately, back-related disability claims are often disputed by the insurance company. Confusion about the severity of your symptoms, conflicting medical opinions, and other factors can all affect your ability to obtain benefits. To learn more about degenerative disc disease and disability claims, keep reading. What Is Degenerative Disc Disease? Over time,…
May 7, 2019 | Blog | Filing a disability insurance claim is a complex process that can have life-changing results, and hiring the right lawyer is crucial to your claim. However, not all disability lawyers share the same priorities or approaches. If you are filing a disability insurance claim, you’ll want to make sure that you hire a lawyer who is qualified, communicative, and considerate. We’ve compiled five essential questions to ask a disability insurance lawyer to help you decide whether they are right for you. 1. Where Is Your Office Located?  While this may seem like a basic question, it’s essential to ensure that your lawyer has a local office. If you can’t…
Apr 23, 2019 | Blog | As you prepare to file a disability insurance claim, you might hear a lot of conflicting opinions about whether you need a lawyer. While you may be tempted to postpone hiring an attorney, it’s typically in your best interest to consult with one before you file a disability claim — rather than at the end of the process. Below, Bryant Legal Group explains why hiring a disability lawyer early on in the process can strengthen and streamline your claim. Your Administrative Record Can Make or Break Your Disability Claim If you’re filing for…
Apr 16, 2019 | Blog | Globally, depression is the number one cause of disability. While mental health conditions are finally getting the attention they deserve, long-term disability (LTD) insurance companies are still reluctant to approve and pay claims related to depression and anxiety. If you’re considering an LTD claim for depression or anxiety, you need to review your plan documents carefully and prepare your evidence. Keep reading to learn more about the essentials of a successful mental health LTD claim. What Is Depression? Depression is much more than just feelings of sadness. You may suffer from major depressive…
Apr 10, 2019 | Blog | District Court Rules that Pension’s Healthcare Benefits Last a Lifetime By: Andrew B. Bryant The Northern District of Illinois recently addressed the question of whether healthcare insurance benefits under an ERISA pension plan lasted for a lifetime for two plaintiff retirees, despite the termination of the collecting bargaining agreement that established those benefits.   In Its analysis, the Court noted that unlike pension benefits, insurance benefits (such as healthcare benefits) do not automatically vest by contract to plan members.  Such benefits can be terminated by an employer.   However, a plan agreement may by its…
Apr 10, 2019 | Blog | Christopher Patterson v. Aetna Life Insurance Company, No. 17-3566 (3d Cir. 2019) By: Stephen A. Jackson Patterson became disabled after back surgery and Aetna began paying benefits under a group long-term disability plan in 2007.  In 2014, Aetna terminated those benefits after concluding Patterson was no longer disabled because he could fulfill the material duties of his “own occupation” as performed “in the national economy.”  The term “own occupation” was not defined in the policy. Aetna determined Patterson’s “own occupation” “in the national economy” was sedentary and that while he could not do…
Apr 9, 2019 | Blog | While ERISA claims come with many obstacles, one of the most challenging is a disability insurance company’s right to shorten their plans’ appeal deadlines. Unfortunately, courts won’t give disabled workers and professionals who miss these deadlines much (if any) leeway. Unfortunately, once a deadline expires, it’s usually too late, and you’ll lose your right to benefits. The team at Bryant Legal Group is happy to meet with people who have missed their appeal deadline and will be there to guide them as they take the next steps. Below, our experienced ERISA lawyers discuss…
Apr 3, 2019 | Blog | A multiple sclerosis (MS) diagnosis leads to a lot of questions, and you’re likely hearing conflicting information about your chances of receiving long-term disability (LTD) benefits. Keep reading to learn more about LTD benefits for MS, why this process is so complicated, and how you can strengthen your claim. What Is Multiple Sclerosis (MS)? Multiple sclerosis is a disease of the central nervous system that causes your immune system to attack your myelin, a fatty substance that covers and protects your nerves. When myelin is lost or damaged, plaque or scarring builds up…
Feb 15, 2019 | Blog | Chicago Disability Lawyers Whether you have purchased individual or group (i.e., employer-sponsored) disability coverage can have a significant impact on your premiums, duties, and — eventually — ability to recover benefits. Many would-be insureds do not realize that there are material differences between individual and group disability insurance coverage, and simply choose a plan based on the projected cost.  Though cost is a perfectly reasonable factor to consider when choosing a disability policy, it’s also important to evaluate how the unique aspects of each policy might affect its “true value” given the…
Feb 8, 2019 | Blog | Chicago Life Insurance Attorney Life insurance claims can be significant, and as such, they are often denied.  Beneficiaries may be taken by surprise, thinking that the act of securing benefits would have been straightforward.  In truth, however, insurers will take advantage of any opportunity to justify the denial of a significant benefits payout, in the life insurance context and otherwise. Many life insurance claims are denied on the basis of the individual covered by the policy (the deceased individual) having failed to properly inform the insurer of a pre-existing condition that would have…