"Why Your Employer's Long-Term Disability Plan May be a Scam"
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Benjamin Glass
3915 Old Lee Highway
Suite 22-B
Fairfax, VA 22310
Phone: 703.591.9829
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News
- Prudential Insurance Company Seeks Fees from Destitute Woman
- MetLife Will Grab Onto Anything To Deny Your Claim
- Alabama Judge Explains ERISA's Flaws
- First UNUM Finally Loses After 15 Years
- Insurance Psychiatrist Must Be On Auto-Deny
- Insurance Doctors Make Diagnoses Without Patient
- Insurance Company Tries To Bury Court Decision
- CUNA Mutual Insurance Society Loses Big For Paying Small
- The Insurance Company's Fight Against Itself
- Your Insurance Company and the University Disability Consortium (UDC): A Match Made In Hell
- CIGNA Loses Out As Judge Gives Weight to Treating Physicians' Opinions
- Ignorance Is Not Bliss, It's the Insurance Company Denying Claim
- MetLife, You Can't Use 'Employees' As Independent Medical Examiners!
- Court Reverses Metlife Ruling on Benefit Termination
- Court Awards Pilot Attorney's Fees and Reinstates his Benefits
- Unum Found Guilty of Fraud In Forcing Claimants to file for Social Security
- Claimant Wins CIGNA Cardiac Disability Case
- Unum Tries to Rewrite Policy After Claim Was Made
- How Does a "Transferrable Skills" Analysis Work?
- MetLife spying on claimant at son's Little League game not enough to terminate benefits
- How Should A Judge Assess Disability?
- Court Blasts MetLife, exposes Relationship Between it and independent reviewers
- Court Rips MetLife and Jeffrey Lieberman, M.D. in "review" of fibromyalgia case
- Finally, the Government Looks at the Disability Insurance Company Practice of Forcing Almost Everyone to Apply for Social Security
Case Results
- General
- Court Says Unum Ordered, Then Ignored, Functional Capacity Exam
- Sun life loses rheumatoid arthritis case
- Another Court Rejects MetLife/Dr. Lieberman "Analysis" of fibroyalgia case
- CIGNA and Lucent Technologies Lose Disability Case--Court Critical of report of I. Jack Abramson, M.D.
- Hartford ignores functional capacity exam and loses case
- MetLife and Amy Hopkins Lose yet again
- Missouri Court Rejects AIG’s Termination of Benefits Based on FCE
- Denial of Coverage Found “Arbitrary and Capricious”
- Failing to Consider Social Security Benefits Deemed Arbitrary and Capricious
- Court Rules in Favor of Plaintiff… Returns Case to Plan Administrator?
- Court Finds for RSD Patient when Prudential Ignores Treating Physician
- Plan Admin Loses Beneficiary’s Address, then Denies Coverage
- MetLife Abused Discretion in Chronic Pain Case--Benefit Paid
- Claimant Wins CIGNA Cardiac Disability Case
- The Relationship Between ALLSUP and Prudential Insurance Company
- How Does a "Transferrable Skills" Analysis Work?
- Unum Tries to Re-Write Policy After Claim Was Made
- How should a judge assess disability?
- Court Rips Apart Fibromyalgia Review by Jeffrey Lieberman, Rheumatologist Hired by MetLife
- When You Appeal to the Insurance Company, What Doctor is Supposed to Review the File?
- Is Summary Judgment the Correct Procedural Vehcle for Deciding Cases?
- What Does "Abuse of Discretion" Mean?
- What Regulations Govern the Claims Procedures?
- Anesthesiologist who gets addicted to his drugs can't recover benefits
- Claimant wins when Disability Plan does not consider ALL ailments
- Denial Letter:
Awarded: Claimant Wins
Awarded: CIGNA Insurance Loses
Awarded: Claimant Wins
Awarded: Another claimant loses because of ERISA
Awarded: Claimant loses
Awarded: Claimant Wins
Document Library
- Court Opinions
- Prudential Seeks Fees from Destitute Woman
- Met Life Shows Just How Arbitrary They Can Be
- McCauley v. First UNUM
- Allen v. AT&T Disability Income Program
- Galvin v. UNUM Provident
- Schully v. Continental Casualty Company
- Sedgwick Insurance Company v. Delsman
- Toth v. INA
- Velikanov v. Union Security Insurance
- Barteau v. Prudential
- Solomon v. MetLife
- Taylor v. SmithKline
- Court Refuses To Vacate ERISA Ruling
- Denmark v. Liberty Life
- General
- Most Group Disability Insurance Policies Provide Minimal Coverage
- Court Concludes Metlife's Decision to Terminate Disability Benefits is Unsupported by Evidence
- AETNA's Denial of Pilot's Benefits Overturned
- MetLife Spying at Baseball Game Not Enough to Cut Off Benefits
- Wright v Raytheon MetLife Amy Hopkins NMR
- Victory Against CIGNA-Court Critical of Dr. I. Jack Abramson
Frequently Asked Questions
- Hiring an Attorney
- My disability insurance company is asking me to file for social security disability benefits and they are offering to provide an attorney for free to do this? Is this a good deal?
- I made a huge mistake today in my long-term disability insurance claim and I guess I'm just looking for reassurance at this point. I experience severe cognitive problems/brain fog in addition to physical symptoms and at times the simplest tasks are very difficult for me.
Anyway, it took me weeks to feel well enough to fill out a simple supplemental claim form for the LTD Company. Today I filled out the form and also prepared a fax cover sheet to my doctor so I could send him a copy of what I was sending to the LTD Company for his files. Well, I managed to send the fax addressed to my doctor to the LTD by mistake Since this is a new doctor, I included a message to the doctor noting that I have an attorney who specializes in LTD review most information that is submitted and advised him not to submit anything if requested until the attorney gets a chance to review it. I also noted that I have not had any problems with my benefits but want to continue having forms reviewed as a safeguard. Up until now, the LTD Company had no idea that an attorney was involved.
Do you think anything will come of this? Will this be a red flag to the insurance company to investigate me further or more intensely? I am genuinely not capable of working or doing much else and the stress of always worrying about my benefits certainly does not help matters.
- Disability Insurance Payments
- I just starting receiving long term disability (LTD) payments and the bank wants to take the money that was just put into my account from the LTD carrier to pay a charged-off loan that I had with that bank. This happens to be my first payment and I didn't realize that the LTD carrier would be sending this money to my old checking acct. Does anyone know if this is legal? They have not taken the money yet, but they are threatening to and it is not in my hands yet.
- I have been walking around in shock about the phone call I received the other day. I have a new disability claim reviewer. She told me that it was overlooked that I should have been getting 60% of my pay. I had been paid at the rate of 40%. Originally, they said that I became ill within a year of my coverage. Actually, my employer paid for this coverage for over 2 yrs., I upgraded and decided to pay into it, so if I became disabled that I would be able to collect 60%.
I have been collecting LTD for four years now. I am shocked at the amount of the "underpayment" admission from Unum. $20,000. And, the amount of my monthly payment will be increased to $900. I was getting $400 plus my SS. I believe they have made a mistake. I am afraid they will come after me down the road and tell me that it was an error. However, meanwhile, I would love to get out of debt. They have included the amounts that I have been paid along with my SS payments listed. I thought the new amount may be accurate, but my SS will offset it. But, then that would not make sense, as my total was over $1,000 at 40%. I did apply for SS, the day after I resigned from my job due to disability. I was approved immediately. I reported it to Unum, and they adjusted my payments (reduced). I am very confused by this. I am a dummy when it comes to numbers. I am so scared they will come after me down the road and demand their money back. My husband tells me not to worry about it. I did ask the girl, if she was absolutely sure when she called me with info about Ununm's underpayment to me. I just have this feeling they will say it was an error. And, they will shut me off, and sue me for the error, down the road.
- General
- Can an insurance company change its reason for denial?
- What law gives you the right to sue your disability benefit plan?
- Most ERISA disability cases are ruled on by "summary judgement." What does that mean?
- What factors does a reviewing Court look at to determine whether an insurance company's decision under an ERISA disability policy was reasonable?
- Does my last day of work have an effect on my long-term disability claim?
- Who can give me advice about my long-term disability claim?