Monthly Archives September 2022

The Letter is in the Mail

The Letter Is In the Mail If your disability insurance company has told you they are denying your claim, they may say the denial letter is in the mail.  You should ask them if they can email the letter to you.  Historically, we have found that when the disability insurance company tells you they are mailing something, it’s about 10-14 days before it lands in your mailbox.   The process can be accelerated a bit Needless to say, email travels much faster than snail mail, so having the letter emailed to you can save you those 10-14 days of waiting. 
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Transition from Short-Term to Long-Term Disability

The transition from short-term to long-term disability may flow seamlessly, but that is not always the case.  Some disability insurance policies and companies require that you complete your short-term disability term before consideration of a long-term disability claim. Some companies and/or policies will transition automatically to long-term, while others require a separate application.   In the cases where the transition doesn’t occur automatically, it’s possible that you could be surprised by a denial of long-term disability.  In other words, simply because you were approved for and completed your short-term disability period, doesn’t always automatically mean you will receive long-term disability
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Calculating Your SSD Offset

Did you know there’s an easy way to figure out how much your LTD policy would be worth after a social security offset?  We can walk you through a way to figure out how much your net LTD would be after calculating any social security disability money you may receive if you are approved for SSD.   What is an SSD offset?   Your disability insurance policy most likely contains a section discussing “other income offsets”.  In other words, any other money you receive for being disabled.  The insurance company generally gets a dollar for dollar offset for that money. 
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Where Was Your Money Going?

If you were receiving disability insurance benefits on a regular basis, where was your money going?  How were you receiving the money?  Did you receive a check?  Were you receiving direct deposit?  As long as everything is going well and you are receiving your benefits, then chances are you don’t have a problem.  But if you were receiving benefits and then received a denial letter stating that your benefits were being cut off, you might encounter some difficulties if you are reinstated…   What could go wrong with receiving benefits again after a denial? Disability insurance benefits may be essential
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Approval in Ft. Pierce, FL

Approval in Ft. Pierce, FL Another approval, this time out of Ft. Pierce, FL.  Client came to us with a denial of benefits from MetLife, suffering from medical conditions including Right side immobility, impaired cognition and memory, sleep apnea, hypertension, diabetes II, and a cardiac condition requiring a heart monitor.  The disability insurance company acknowledged in the denial that client suffers from “residual weakness, difficulty with driving, ongoing fatigue, poor sleep hygiene, stress relating to the loss of a family member, and feelings of slow cognition”, yet went on to deny her stating that she showed a lack of participation
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Discussions With Your Doctors and Disability Insurance

Discussions with your doctor often include the reason for your visit, how you’re doing overall, and any plans for treatment that may be important.  The more issues or ailments you suffer from, the more in-depth these conversations tend to be.  It’s surprising then, how often we learn that clients have never discussed their disability or disability insurance with their doctors.   Talk to your doctors about your disability insurance You should let your doctors know what you’re going through with the disability insurance company.  Aside from the obvious importance of your doctors and medical records to your claim, your doctors
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Long COVID and Long-Term Disability

By now, we are all familiar with what COVID is.  Many of us have probably had it.  All of us have experienced by-products of it in some fashion or sense.  However, some people may still be suffering from the effects of COVID that are ongoing.  This is sometimes referred to as long COVID or post-COVID conditions, among other names.   The symptoms vary and it’s not well understood yet, however, there are clinical trials being conducted to treat the condition.  The CDC states the following symptoms as being common for people experiencing long-COVID:   General symptoms Tiredness or fatigue that
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