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 [...]
Denied Long-Term Disability for Engineers? How Robinson & Warncke Can Help As an engineer, you have built a career on the foundations of precision, logic, and meticulous problem-solving. When a disability strikes, preventing you from working, the expectation is that your long-term disability (LTD) insurance will provide the safety net you've diligently paid for. The [...]
Working as an air traffic controller is one of the most demanding jobs imaginable. Every day, you're tasked with making split-second decisions that impact hundreds—sometimes thousands—of lives. The stress is relentless, the hours unforgiving, and your health can often take a toll as a result. So, when the unexpected happens and you're unable to work [...]
Certified nurse anesthetists (CRNAs) are critical healthcare providers entrusted with patients’ lives during surgical procedures and complex medical interventions. These specialized nurses must demonstrate unmatched precision, sharp cognitive abilities, steady hands, and physical stamina. However, the demanding nature of their profession also puts nurse anesthetists at significant risk of developing debilitating health conditions or injuries. [...]
For many physicians, practicing medicine isn’t just a profession—it’s a calling. Years of education, training, and dedication hone their ability to provide expert care to patients. Unfortunately, when a doctor is diagnosed with Parkinson’s disease, this calling can become painfully difficult to uphold. Parkinson’s is a progressive neurological disorder that often leads to tremors, muscle [...]
Long-term disability (LTD) claims are a crucial lifeline for professionals who find themselves unable to work due to injury or illness. These claims provide financial support that helps individuals maintain their standard of living during extended periods of incapacity. Unfortunately, the process of filing an LTD claim—and ensuring its approval—is not always straightforward. Insurance companies, [...]
Long-term disability claims are complicated. If you are dealing with a claim yourself, this probably comes as no surprise. Disability claims are denied all the time, most often for either of these two reasons: The claimant does not meet the conditions for being disabled as defined in his/her contract, but usually and more likely... The [...]
The short and tragic answer is yes, and it happens to many disabled individuals. The issue is hinged on the definition of ‘disability’ as defined in your insurance policy. There are two definitions of disability in your insurance policy; “own occupation” and “any occupation.” From the time your disability policy becomes active, you are in [...]
Everything about ERISA Disability claims is confusing for the claimant. In fact, many judges find this practice of law confusing as well. Your attorney’s responsibility is to help you understand how the claim process works because many of the ins-and-outs of ERISA disability seem counterintuitive. When a client has been denied Short-Term Disability, they assume [...]
There is so much that we don't understand about certain diseases. Doctors and scientists are working around the clock, trying to understand Lyme disease, fibromyalgia, and even chronic migraines. Traditional testing provides little insight into these conditions, and few tests exist to "prove" individuals have illnesses like these. Even if a doctor diagnoses your disease, [...]
