If you're a professional whose career depends on a sharp mind - for instance an attorney, a physician, an executive, a teacher, an engineer - long-COVID-19 brain fog and memory lapses can leave you unable to keep pace with your job demands. You are experiencing a legitimate disability that is largely invisible to everyone except [...]
One of the most frustrating moments in a Long COVID disability claim happens when a claimant finally gets an MRI of their brain, hoping it will objectively confirm what they know from lived experience. Most of the time with long COVID, a traditional MRI radiology report comes back ”unremarkable.” . Insurance companies love that word. [...]
Many disability claims turn on complicated medical questions or difficult issues of insurance policy interpretation. Sometimes, however, a claim is derailed by something far more basic: a simple mistake. The Client's Medical Condition In this case, Robinson Warncke represented a client with a rare bleeding disorder that caused a hemorrhage within her spinal cord. Spinal [...]
Understanding the Challenges of Rare Medical Conditions Insurance companies readily understand how a severe back injury, traumatic brain injury, or progressive neurological condition such as Parkinson's disease or Multiple Sclerosis can prevent someone from working. Other conditions, however, present far greater challenges when it comes to obtaining or preserving disability benefits. Rare, complex, or poorly [...]
Why Non-Attorney Advocates Hurt LTD Appeals Receiving a denial letter for your long-term disability (LTD) claim is a devastating blow. You are already fighting a severe illness or injury, and suddenly, the financial safety net you paid for is ripped away. In the panic that follows, you know you need to file an appeal. As [...]
You’ve received the dreaded denial letter. After years of paying premiums, your long-term disability (LTD) insurance company has rejected your claim. You’re facing financial uncertainty, and the appeal process seems like a monumental, complex task. In your search for a solution, you might have wondered, “Can’t I just use AI to help me file my [...]
As a neurologist, you have dedicated your life to diagnosing and treating some of the most complex and debilitating conditions affecting the human body. It is a profound irony, then, when your health fails and the disability insurance company you paid to protect you denies your claim, questioning the very reality of your condition. This [...]
When it comes to long-term care (LTC) insurance, most policyholders assume that filing a claim is a straightforward process: you experience a qualifying medical condition, submit the necessary paperwork, and your insurance provider approves your benefits. Unfortunately, the reality is often far more complex. Long-term care insurance policies are loaded with specific terms, conditions, limitations, [...]
If you’re a dentist facing a denied long-term disability claim, you may have already encountered one of the insurance industry’s favorite tactics: the dual occupation defense. It sounds harmless enough—almost technical—but in reality, it can be a devastating barrier to getting the benefits you’ve been paying for, often for years. The strategy is simple: the [...]
Long-term Disability Claims Denials for Doctors When doctors experience illness or injury that prevents them from performing their highly specialized medical duties, they naturally rely on long-term disability (LTD) insurance coverage. However, an increasingly common hurdle they face is the “dual occupation” defense, an aggressive strategy used by disability insurance companies to deny rightful claims. [...]
