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Long-Term Disability Benefits Archives

Employees should understand all forms of disability insurance to ensure best coverage

Many workers today do not envision experiencing a long-term disability or even a short-term disability before they retire. The workplace reality is that one out of four employees in Wisconsin and in the United States will be disabled before retirement. Disability insurance and the ability to earn an income are extremely important issues since the average worker's largest asset is their ability to earn an income. Once disabled, the likelihood of returning to your previous position is greatly declined.

Massage helps reduce back pain and related long-term disability

Workers who suffer from back pain in Wisconsin and across the United States may want to seek out their local massage therapist based on the results of a new study. The new study shows that massage therapy reduces lower back pain and therefore prevents incidents of related long-term disability and income loss.

Unum loses LTD case for lack of self-reported symptoms clause

Our client, "Sue", received good news today when Unum was ordered to pay her long-term disability ("LTD") benefits all the way back to August 2008. The Seventh Circuit Court of Appeals, which reviews LTD denials against claimants in Wisconsin, Indiana and Illinois, decided today that Unum is arbitrary and capricious for two reasons. First, it is clear that Sue does not "have reliable, sustainable functional capacity at any level of physical demand". Indeed, Sue's treating rheumatologist concludes that "[d]espite interventions by neurology, psychiatry, psychology, neuropsychology, orthopedics, physiatry, integrative medicine, [and a] pain program with multiple interventions from these services, [Sue] remains unable to work." After a review of the record, "we agree that the record evidence points to a finding of disability under the 'any occupation' standard," said the Court.

Five things to consider regarding long-term disability benefits - Part 2

Last time we spoke about long-term disability benefits and began to talk about five things that Wisconsin workers should consider when thinking about their long-term disability benefits. During the previous post we talked about monthly caps and the idea of getting an individual policy when a company policy may not be enough. This time we will finish the discussion by examining the last three points.

Five things to consider regarding long-term disability benefits - Part 1

We have not spoken about long-term disability benefits for a while and there are some things that workers in Wisconsin should consider when thinking about their long-term disability benefits. Here are five contemporary issues regarding long-term disability benefits.

Negative Statements by Claimant's Doctor Show He's Unbiased

This long-term disability benefits case was a clean victory for our client "Kim", a native of Hawaii. Kim was a Reservation Tickets Sales Representative for United Air Lines. United purchased disability coverage for its employees through MetLife.

SSA findings should be considered when deciding long-term disability benefits

Recently, a federal court ruled in favor of awarding an employee long-term disability benefits, but the insurance company that provided the long-term disability policy plans to appeal the federal district court's ruling. The federal district court judge that heard the initial case found that the insurance company had failed to consider the Social Security Administration disability decision in favor of the employee when the company failed to award the employee long-term disability benefits.

Man claims he was wrongfully fired by Comcast for taking long-term disability leave

A man who underwent back surgery and wanted to use his long-term disability benefits to fully recover from his operation has filed a wrongful termination suit against Comcast because the company threatened to fire the man if he used the full extent of his disability benefits. Feeling pressured to return to work because of incessant pressure from his employer, the man did not get a chance to fully use his long-term disability benefits and recover from his operation.

Mild stress can lead to long-term disability and need for benefits

Mild stress can cause long-term disability that prevents people from working and therefore causes the need for long-term disability benefits according to a new study. The conclusion of the study conducted by the University of Bristol in the United Kingdom is that the consequences of milder forms of stress should be taken with a straight face.

Long-term disability awarded to man with Chronic Fatigue Syndrome

The Ninth Circuit appeals court ruled that a 47-year-old California man should be awarded long-term disability payments for his extreme case of Chronic Fatigue Syndrome. The federal appeals court found the insurance company's denial of long-term benefits was "illogical" and "implausible." A federal district court in California ruled in favor of the insurance company, but the Ninth Circuit appeals court reversed the decision.

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