Archives for Uncategorized

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 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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Is Long COVID a Disabling Condition? 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:  
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Approval in Stuart, Florida We got another client approved for disability insurance benefits, this time out of Stuart, Florida.  Client came to our office with a denial of benefits from Lincoln Financial.  The insurance company denied benefits based on no medical evidence in support of claim.  The insurance company claims they made 3 separate requests for medical records from the facility but was having difficulty in obtaining a response.  At the time of denial, the insurance company stated they had only received medical records from one doctor for two dates of service. When speaking with the client, it was apparent
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The disability insurance company isn’t automatically right The insurance company said it, but does that mean they’re right? A former client came to us with a letter stating that his benefits had been denied since 2017, despite the fact that we had gotten his benefits reinstated and paid for the past five years.  The letter also stated that he owed the insurance company all the money the insurer had sent him for the past five years as an overpayment.  The letter also stated that the client was being sent to a collections agency for the money they claimed he owed
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Fibromyalgia as a disabling condition Fibromyalgia (fibro) is a condition that we frequently see among the disabling conditions preventing our clients from being able to work.  The Mayo Clinic defines Fibromyalgia as “a disorder characterized by widespread musculoskeletal pain accompanied by fatigue, sleep, memory and mood issues. Researchers believe that fibromyalgia amplifies painful sensations by affecting the way your brain and spinal cord process painful and nonpainful signals.”   Disability Insurance Companies Often Attack Fibromyalgia Cases If you read what people with fibro go through online, it may sound like a condition that would be an easy win for a
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Approval in Brandon, Florida Client from Brandon, Florida came to us suffering from multi-level herniated disks with nerve impingement, concussion, headaches, impaired cognition, carpal tunnel, thoracic sprain, as well as other medical conditions.   The insurance company denied the claimant based on the file review, a reviewing neurologist’s opinion, and the opinion of a treating physician who agreed with the reviewing neurologist.   Upon appeal, Cremeens Law Group PLLC was successful in overcoming a denial supported not only by the insurance company’s medical expert but by a treating physician signing off on the insurer’s medical expert’s opinion by demonstrating disability
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Approval In Spring Hill, Florida Cremeens Law Group PLLC has successfully obtained another client approval in Spring Hill, Florida for disability insurance benefits.   A client came to us with conditions including lupus, autonomic dysautonomia, severe migraines, orthostatic dyspnea, among other issues. Despite medical evidence provided to the insurer, the claimant was denied by the insurance company, which stated the client could perform other occupations and did not meet the employer’s definition of disability based on the report of a vocational specialist.   After diligent representation during the administrative process including an independent medical examination in support of her claim,
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Medications can be expensive, even with insurance.  Perhaps more on the side of personal advice rather than legal advice, if you have a prescription for a medication that works for you, get your refills while you can.  There can be several reasons you should do this, but we are specifically referencing medications that you need or that work for you.   Reasons to refill your medications Reasons you should refill your medications when you are able to, even if you don’t necessarily need them at the moment: You can lose your health insurance if your employer terminates you while you’re
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A lot of companies, including the insurance companies, still have employees working from home.  So what does that mean for you?  It means that your claim administrator, appeal administrator, or anyone else associated with your claim may not be working in the same office environment.  Tasks that used to be done faster may not get done quite as quickly.  For example, since correspondence still comes from the corporate office after being generated from the administrator’s home, there may be some delay between the drafting of a letter, being forwarded to the office, and ultimately mailed to you.  Mail itself is
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