Do You Have a Disability Case?
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How Are Long-Term Disability Benefits Calculated?

How Are Long-Term Disability Benefits Calculated?

Most long-term disability benefits are based on a certain percentage of your basic monthly earnings at the time you become disabled. This percentage is usually between 60-70%. The specific percentage that applies to you can be found in your employee benefits booklet Factors That Influence Monthly Benefits Your monthly benefit may be subject to income tax deductions if your employer is responsible for paying your insurance premiums. After every full calendar year, your benefits may also undergo a cost of living adjustment that is added on a cumulative basis every month....
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How Long do Long-Term Disability Benefits Last?

How Long do Long-Term Disability Benefits Last?

Long-Term Disability Benefits Long-term disability (LTD) provides benefits to cover loss of income when an illness or injury prevents you from performing the essential duties of your occupation. Once approved, you should technically continue to receive LTD benefits as long as you meet the definition of total disability as defined in your insurance policy or until you: reach an applicable termination date outlined in your policy; receive maternity leave benefits; start earning income; retire; reach the age of 65; or have your benefits terminated by the insurance company....
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Insurer Terminates LTD Benefits after Independent Medical Examination Results

Insurer Terminates LTD Benefits after Independent Medical Examination Resul...

Request For IME By Insurance Company One of our most recent cases involved a client who had been receiving long-term disability benefits for eighteen months. He was then asked by his insurance company to participate in an independent medical examination (IME). This client, who had been suffering with chronic pain and depression, was working as a forklift operator before becoming disabled due to his medical conditions. He complied with the request for an IME. He underwent a three-hour examination performed by a doctor that had been chosen by the insurance company. At the...
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The Difference between Fraudulent and Innocent Misrepresentation in Insurance Claims

The Difference between Fraudulent and Innocent Misrepresentation in Insuran...

. Insurance Claims and Misrepresentation Misrepresentation is a false statement of fact. In insurance law, material misrepresentation occurs when an individual provides false information in his or her application for coverage that, if provided truthfully, would have impacted the insurance company’s decision to issue the policy. If an individual provides false information intentionally, meaning that they know it is not true, it is “fraudulent misrepresentation” whereas false information believed to be true by the individual stating it is “innocent...