Bryant Legal Group Blog

Latest from Bryant Legal Group Blog

If you are getting ready to file for disability benefits, you have encountered discussions about private disability insurance, ERISA plans, and Social Security disability. However, you might not really understand the precise differences between these policies and programs. In this article, the disability insurance lawyers at Bryant Legal Group explore private disability insurance, its importance, and common issues that arise during a private disability insurance claim. Private Disability Insurance vs. Group Disability Plans Disability insurance coverage pays a monthly benefit when you are unable to work due to an illness, injury, or chronic medical condition. For-profit insurance companies sell these…
Cancer will inevitably change your life. While some people can continue to work during treatment, many struggle to balance their job duties, symptoms, and doctor’s appointments. Thankfully, you might be eligible for short-term disability benefits during your treatment. Bryant Legal Group helps people battling cancer get the disability insurance benefits they deserve. We understand how both the disease and treatment can make it hard to do the things you love—both at work and at home. Working During Cancer Treatment: What to Expect Your ability to work during cancer treatment will depend on a variety of factors: The type of cancer…
If your healthcare organization experiences double-digit denial rates, you are not alone. In 2020, the average denial rate for hospitals was roughly 11% for initial claims. This means that you are spending a remarkable amount of your practice’s resources on appeals and collection efforts—and some of these denials will not be recoverable. Our physician and medical practice lawyers want to help. While some payer-provider disputes require litigation, many are avoidable. In this article, we outline ways that you can improve your payment processes and reduce your healthcare payer denials. What Causes Most Healthcare Payer Denials? The data suggest that many…
You probably have a love-hate relationship with your healthcare payer contracts. While they are essential to your practice or medical group’s financial security, they also cause countless headaches and payment delays. If the legalese and convoluted terms of your payer contracts are creating inefficiencies and uncertainty, you’re not alone. Our physician and medical practice lawyers help providers across Illinois resolve their contract disputes and get prompt payment for their services. In this blog, we discuss common issues that healthcare professionals encounter in their payer contracts and suggest ways you can improve your reimbursement systems. Understand Your Contractual Rights to Simplify…
If you’re unable to work due to a medical condition or injury, a human resources representative might give you information about short-term disability insurance and FMLA leave. At first glance, these two programs might seem very similar, since they both offer protections when you’re unable to work. However, they’re quite different. Bryant Legal Group’s disability insurance lawyers focus on short-term and long-term disability claims, not employment-related issues like the Family Medical Leave Act (FMLA). Still, our clients often have questions about how these rules and regulations interact. Keep reading to learn the difference between short-term disability vs. FMLA. What Is…
If you’re a surgeon, dentist, or nurse, you probably spend a lot of your day bending, stooping, twisting, pushing, and reaching. This daily wear and tear can add up over time, causing spinal stenosis and other degenerative issues in your back. However, when these conditions make it impossible to work, you might face challenges in your disability insurance claims. Insurance companies often minimize the impact of spinal stenosis, noting that some people with the condition report few or no symptoms. They might even suggest that you are exaggerating your limitations for purposes of financial gain. At Bryant Legal Group, we…
UNUM and its subsidiaries, Provident Life and Accident Insurance Company and Paul Revere Life Insurance Company, have earned a reputation for prioritizing profits over people. The company takes an aggressive approach to its claims, often trying to force claimants into unfair settlements by delaying or denying their claims. If you’re considering working with a UNUM long-term disability lawyer, you need to make sure you find someone who is experienced and client-focused. In this blog, we highlight several factors you should always look for in a disability insurance firm. UNUM Has a History of Wrongfully Denying Long-Term Disability Benefits UNUM is…
When you’re living with chronic back pain or a spinal cord injury, you may be willing to try anything to alleviate your symptoms. From physical therapy and surgeries to chronic pain management, doctors have a wide variety of treatment options that may improve your quality of life. Sometimes, they suggest a spinal cord stimulator. These devices can reduce pain and improve function, but they are not a cure-all. If you’re considering a spinal cord stimulator, here are the essentials that you need to know. We’ll also explain how a stimulator may impact your long-term disability claim. What Is a Spinal…
It can seem like disability insurance claims drag on forever. Sometimes delays are justified and inevitable—it can take time to collect and evaluate all of your medical records and other evidence. However, not all delays are so innocent. Occasionally, insurance companies hold off on approving undeniably valid claims for disability insurance benefits, hoping that you’ll give up, make a mistake, or accept an unreasonably low settlement. When this happens, you have legal options. In Illinois, as in most other jurisdictions, disabled policyholders can sue their insurance company when it delays decisions about coverage, eligibility for benefits, or other issues in…
Most of us understand that the value of a dollar changes over time due to inflation and the evolving cost of living. However, when you’re considering your disability insurance options, you might not assess how far your monthly benefit will go in five to ten years. What may seem like an adequate recovery may quickly become insufficient as the cost of living rises. Disability policyholders concerned about the sufficiency of their coverage over an extended period can purchase a supplemental cost-of-living adjustment (COLA) rider that will result in a steady increase in their benefits as time passes. Keep reading to…
Hand-intensive work that involves gripping, grasping repetitive motions, or vibration can take a toll on your body. As we age, studies show that we’re more likely to develop hand arthritis and pain—and if you’re a dentist, surgeon, or work in another field that requires dexterity and hand strength, your condition may quickly become disabling. If you’re considering filing a claim for short-term or long-term disability insurance, we want to help. Our lawyers assist people living with osteoarthritis and hand pain with their disability insurance claims. In this article, we discuss the essentials of hand-related claims and suggest some simple ways…
For many people, long-term disability insurance benefits seem like a financial lifeline helping make up for your lost income. However, do you know how long those monthly benefit checks will last? As you plan for your future, you must know the answer. In this article, the team at Bryant Legal Group discusses factors that may impact the duration of your long-term disability benefits. We’ll also outline steps you can take if your benefits are cut off prematurely. Applying for Long-Term Disability Benefits? It’s Time to Review Your Policy Long-term disability (LTD) benefits pay a monthly benefit when you are unable…
 Volunteering can help disabled individuals find purpose in their lives or even prepare them for re-entry into the workforce. Unfortunately, insurance companies sometimes use volunteer activities as an excuse to terminate long-term disability (LTD) benefits. How do you balance your need to contribute to society with your personal interests? In this blog, the disability insurance lawyers at Bryant Legal Group discuss how volunteering could impact your long-term disability benefits and how you can protect yourself. Volunteering Can Improve Your Quality of Life Most of us crave a sense of purpose. This is especially true if you’ve worked your entire life,…
Liver disease is more common than you might imagine. According to the Centers for Disease Control and Prevention, 4.5 million Americans have a diagnosed liver disease, and roughly 42,000 people die every year as a result.   If you or someone you love is suffering from liver disease that affects your ability to do your job, you should understand your options for disability insurance claims. In this blog, the Bryant Legal Group team will outline what you need to know about liver disease, how it affects the body, and how you can strengthen your long-term disability claim.  How Does the Liver Function?  The liver is one of the most critical organs in your body. Roughly the size of a…
When you file a claim for individual disability insurance benefits, you assume everything will go smoothly. Unfortunately, even if you hand-picked your policy’s terms and conditions, you may discover that exclusions and limitations can impact your short-term and long-term disability benefits. In this article, we answer our clients’ frequently asked questions about policy exclusions. What Are Disability Insurance Exclusions? When you purchase disability insurance coverage, you’re presented with various choices that impacted both your monthly premium and your coverage. In all of that fine print, you probably agreed to a series of exclusions. A disability insurance exclusion outlines certain situations…
When you have health insurance, disability insurance, or property insurance, you may sometimes find that the insurer has an unreasonable amount of power over you — perhaps more than you anticipated when you purchased the policy years before. This issue is all too common. Insurers often design and execute unfair contracts designed to put you, the policyholder, in a weakened position. Suppose you’ve had your claim denied or mishandled due to an underlying contract provision that you believe is unreasonably oppressive. In that case, you may have a right to bring a lawsuit against your insurance carrier based on “unconscionability.” In this article, the…