Do You Have a Disability Case?
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LTD Surveillance During the Summer

LTD Surveillance During the Summer

A long term disability claim usually comes as welcome and long overdue relief. Once you start receiving those benefits, you no longer need to worry about holding down a job or finding the income to support yourself during your recovery. However, you do need to be wary about what you do once you start receiving benefits. Insurance companies will use surveillance techniques to try to obtain evidence that suggests that you are not truly disabled. If they find what they’re looking for, they’ll also use that evidence to try to invalidate your claim and terminate your claim....
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Common Surveillance Tactics Used by Insurance Companies

Common Surveillance Tactics Used by Insurance Companies

If you’ve filed a claim for long-term disability, you may be wondering if the insurance company will begin spying on you to make sure your claim is legitimate. The short answer is that maybe they will, but there is a lot more to it than simply spying on those who submit claims.  Insurance companies do have to battle fraud, though oftentimes their surveillance findings are incomplete or biased. And although undercover surveillance may seem unethical, it is actually legal if performed correctly. In an effort to protect yourself, it’s essential to know what the most...
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Why Did the Insurance Company Reject My Mental Health Claim?

Why Did the Insurance Company Reject My Mental Health Claim?

For Marcia, depression was simply a fact of life. Though she had always struggled with the day-to-day realities, she’d worked tirelessly to find ways to manage it over the years. She finally felt like she had things more or less under control by the time she reached her 30s. Then she got pregnant – and an event that she hoped would bring her joy upended her life in ways that she never would have expected. Marcia experienced severe prenatal and postpartum depression, and her symptoms persisted a full four years after her child was born. Managing postpartum depression...
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Traveling While Receiving LTD Benefits

Traveling While Receiving LTD Benefits

Adeel filed a long-term disability claim after he fell down the stairs of his house and when the effects of the subsequent concussion severely limited his ability to do his job. His claim was accepted, and Adeel spent the next few months at home recuperating from his injury. Things started to come apart months later when he decided to make a trip to Vancouver Island. He felt like he deserved a vacation after being house-bound for so much time, and consequently took his children and his girlfriend to the West Coast for a low-key trip to visit family. Adeel didn’t have any...
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Post-Settlement – Life After Post-Concussion Syndrome

Post-Settlement – Life After Post-Concussion Syndrome

When Sara, 40, slipped on the ice last winter while skating with her family, she hit her head. She blacked out for a few seconds and woke up feeling dizzy and nauseated. Her family took her to the emergency department where they ran some tests and found out that she had a concussion. It didn’t seem too serious at first, so she pushed herself to get back to her normal routine almost immediately. Within a day she was getting violently ill at work, suffering splitting headaches, and often lost track of what she was saying mid-sentence. She had developed post-concussion...
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Keeping Up With The Kardashians and Disability in Television

Keeping Up With The Kardashians and Disability in Television

There’s a long history of problematic representation of persons with disabilities in film and television. From being portrayed as villainous or helpless (see Darth Vader and Tiny Tim) to being used as inspiration fodder or the butt of a joke (Forrest Gump), persons with disabilities have often been used as plot devices rather than being portrayed as human beings. However, despite this long-standing trend, things are changing.  Arguably one of the best television shows of all time, Breaking Bad, did wonders for representations of people with disabilities with the...