With summer and the outdoor season upon us, there can be different causes of disability to deal with. One of the more common conditions we see during this time of year, especially in the Northeast, is Lyme disease. Although there is evidence that Lyme may be spread through multiple sources, the primary method of infection is a blacklegged or deer tick bite. Lyme is a complex multisystem inflammatory disease that can affect all of the major organ systems in your body and cause a wide range of symptoms including fever, headaches, rash, pain, vertigo, speech impairments, mood swings, depression, and hallucinations. In addition, these symptoms don’t always develop immediately. It can take days, weeks, or even years before the onset of symptoms due to Lyme disease, making it extremely difficult to pinpoint the causal event of the symptoms. Continue reading
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