3 Reasons Your Invisible Disability Benefit Claim Was Denied

When many people think of a claimant who is receiving disability benefits, they picture someone who is visibly and physically unable to work.  Although many claimants suffer from conditions of this nature, some of the most painful and devastating conditions include categories often referred to as “invisible disabilities.”  Invisible disabilities include such conditions as CFIDS, Fibromyalgia, chronic pain and mental illnesses, such as anxiety or depression.  These conditions can be every bit as severe and debilitating as outwardly obvious conditions but are often met with skepticism and distrust by disability claim professionals.  Many claimants who suffer from invisible diseases encounter seemingly unending questions and problems with their long term disability claims and the claims process.  We have seen people make inadvertent errors in how they’re presented their disability claims and simply give up, surrendering their rights to the disability benefits they actually deserve.  Here are the three common reasons that disability claims based on one of these invisible diseases are denied. Continue reading

10 Ways to Protect Your Disability Claim in 2013

The new year is always a good time to review the events of the past 12 months and see what you can do to improve your life over the next 12 months.  If you’re dealing with health problems and a resulting disability insurance claim, this is also a great time to review the status of your claim and find ways to make the claim process stronger, simpler, and better.  This can be done in whichever stage of the claims process you’re in.  Whether you are still considering filing a claim, are waiting on a decision from the insurance company, are receiving benefits, or are facing a claim denial, it’s important to stay on top of your claim.  Insurance companies are always looking for new strategies to increase profits and reduce claims, so you should always try and stay one step ahead of them.  These 10 ways to protect your claim can help reduce your stress and work required on your disability claim over the next 12 months.  Like most things, maintaining a strong disability claim is easier than rehabilitating a claim when it breaks (or is denied).  Continue reading

Doctor’s Corner: Behind a Carpal Tunnel Syndrome Diagnosis

As many professional jobs become more and more computer-based, disabilities that involve nerve, muscle or tendon damage in the hands have become a major issue.  These conditions prevent people from typing reports, replying to e-mails, and completing the day-to-day tasks of their jobs.  These conditions can range from work modifications to a short-term disability, simply requiring a short period of rest away from the office and the stresses of work, to a total and permanent disability.  One common condition causing such disability claims is carpal tunnel syndrome (CTS).  In today’s blog, I am going to walk through the information many doctors will look for and use in writing a report for your disability insurance company.  Even if you aren’t suffering from carpal tunnel syndrome, this article can be useful to show the steps an examiner follows when diagnosing your condition. Continue reading

6 Potential Pitfalls of Your Chronic Back Pain Disability Claim

Almost everyone will experience some sort of back pain during the course of their lives.  This can extend from the cervical to thoracic to lumbar, not to mention shooting into arms and legs, and range in severity from a minor, short-term twinge to protracted, excruciating pains that last for months.  For people who deal with chronic back pain on a daily basis, performing what used to be simple tasks and normal work functions can become difficult and sometimes unbearable.  Even with surgical intervention, the pain may prove too overwhelming for many people.  In addition, this pain can lead to a host of other conditions such as depression and anxiety.  When this occurs, sufferers of chronic back pain may need to consider applying for their disability benefits.

The claim process is full of unexpected pitfalls and hurdles that may weaken the claim and cause benefits to either be delayed or denied, preventing you from having the money you were counting on to pay the many bills that crop up when you become disabled.  These following six tips represent some of the most common problems our clients have experienced when filing their claim for benefits based upon conditions that cause chronic back pain and the ways to avoid these problems, helping you receive your benefits as soon as possible when you need them most.   Continue reading

The Doctor’s Corner: 9 Tips for Dealing With Chronic Pain Syndrome

Our firm gets many questions from individuals experiencing all different kinds of issues with their disability insurance.  From questions about nuances between companies and policies to what could be considered to be appropriate care, we help with details of disability insurance everyday.  However, these aren’t the only issues facing our clients.  We know that our clients can better help themselves and return to work more successfully if they take care of themselves and follow some simple steps to help improve their recoveries.  In today’s blog, I am going to talk about a few simple techniques to help those suffering from some of the most common condition that reach out for our help: chronic pain syndrome. Continue reading

Finding The Proper Disability Insurance Policy For You

Many claimants who contact our offices know little about disability insurance.  Some are aware that they have disability insurance and need help, while others don’t even know what kind of policies they have and just happen to find our firm while trying to figure out their next steps.  Most people realize the need for disability insurance but because it’s bundled in group packages from their employer, they have never seen their actual policy and  know little of their coverage rules and limitations.  When the time unexpectedly comes to file a claim for benefits, disability insurance companies capitalize on this lack of knowledge and use it to place some claimants at a significant disadvantage when initially filing their claim for benefits.

However, it doesn’t have to be this way.  Information is available to learn about the risks you face of becoming disabled, different types of policies and options, and how you can protect yourself and your income.  Doing this homework before purchasing a disability policy will help ensure that you have an understanding when you have to file a claim for benefits while you’re disabled along with the comfort that you and your family is protected if something prevents you from earning a living or continuing in your job.  This ounce of preparation will allow you to use disability insurance for its intended purpose:  to reduce the risks of everyday life.   Continue reading

The Battle Between Insurance Companies and Mental Illnesses

Mental illness is on the forefront of much medical innovation and research today.  As we continue to better understand and comprehend the human mind and its illnesses, we’re able to more accurately diagnose and treat many different psychiatric conditions that were either misdiagnosed or simply ignored in the past.  Mental illnesses range greatly in length and severity of the conditions, but they can all be debilitating and render the patient unable to work in their or often, any chosen occupation.  If you or someone you know is suffering from a mental illness and has disability insurance through their employer or individually, you should be able to obtain disability benefits through your policy.  However for reasons I’ll discuss below,  insurance companies unfortunately tend to make this difficult and will vigorously try to delay, reduce, and deny your disability claim due to mental or nervous conditions.  Mental illness has a become a prime target for disability insurance companies, and those souls who are simply trying to collect their benefits have to be prepared for a fight. Continue reading

Around the Nation: News and Insight From Across the DI World

In the past few weeks, there have been some interesting news articles that either impact the landscape of the disability insurance industry or affect how disability benefits may be awarded in the future.  As a disability claim consultancy firm, we accept our challenging responsibility to stay current on industry news and realize that many don’t have the time or ability to keep up with the volume or focus of information.  There are developments in many different fields that can have a direct impact on disability insurance and individual claims, from new medical research to job programs to court decisions.  Taking the time to research our industry allows us to stay current on the best claims presentation and handling processes and updates the ways we interact with our clients and the recommendations we make about their disability claims.  We hope that seeing how we keep our clients up to date on news and developments helps your own decision-making process and builds trust in the disability claim community.  Of course, the only problem is that change and developments never stop.  While these topics were current when this blog post was written, everyday they become a little more outdated.  Please stay tuned for future news and updates.  Continue reading

Succeed Quietly Rather Than Failing Loudly

Working with disability insurance companies for years, the experts in our firm have seen many people and approaches come and go in the industry.  Marketing philosophies clash with claim handling procedures, legal decisions change the language used in policies, insurance companies sell blocks of policies to other companies, management turnover lead to changes in how claims are handled, etc…  To paraphrase a famous line – the more things change, the more they stay the same.

Unfortunately, many of these changes have negative consequences on the claims and lives of insureds.  What may be perfectly acceptable in year two is no longer good enough in year three.  Documentation that’s accepted by one claims examiner is disputed by another.  In spite of this, the underlying fundamentals of disability claims remain the same:  if you have the medical, occupational, and financial information to prove that you are disabled under the terms and conditions of the policy, you are entitled to benefits. Continue reading