Sep
21
2012
Long Term Disability Insurance – “your job” vs. “your occupation” – understand the difference:
THE VOCATIONAL SIDE OF LONG-TERM DISABILITY
Frequently, long-term disability contracts provide us with definitions for disabling conditions. These definitions embrace the idea that your illness or disability affects your ability to perform “your job.” Occasionally, policies also refer to “your occupation.” These terms do not mean … Read the rest
no comments | tags: arbitrary and capricious, Disability, disability advice, disability attorneys, Disability insurance, employer, ERISA, ERISA lawyers, Health, Insurance, insurance companies, Insurance Denial, litigate, litigation, Long Term Disability, Long Term Disability Denial, occupation, policy language, Southern District of Ohio, The Hartford, The Hartford Insurance Company, U.S. District Court, vocation, vocational expert, your job, your occupation | posted in ERISA, Insurance Denial, Long Term Disability
Oct
28
2011
This has been on my mind for some time and I have been trying to let my clients and perspective clients know about this so they can respond appropriately. Many insurance companies use vendors to conduct video surveillance while the disability claimant is at their home. There is simply no way to tell which files will be selected for video … Read the rest
2 comments | tags: attorney, disability advice, disability attorneys, disability carrier, disability denial, ERISA, erisa blog, ERISA lawyers, Functional Capacity Evaluation, IME, Independent Medical Examination, insurance claim denial blog, Insurance Denial, Long Term Disability, Long Term Disability Denial, surveillance, vocational expert, working capacity | posted in ERISA, Insurance Denial, Long Term Disability
