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Long Term Disability Insurance

Study Provides Objective Evidence of Chemo Brain Symptoms

Described in an article released on November 27, 2012, researchers have found evidence to explain the cognitive effects of chemotherapy on cancer patients. Chemotherapy is used to treat many conditions besides cancer, including Multiple Sclerosis, Crohn’s disease, Rheumatoid Arthritis and many others.  According the Wikipedia, “traditional chemotherapeutic agents act by killing cells that divide rapidly, one of the…

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Unum – Listed as the 2nd Worst Insurance Company

Unum, previously known as UnumProvident, First Unum, and Paul Revere, is the largest disability insurance provider in the United States today. With profits reaching almost 900 million dollars, according to CNN Money, Unum is one of the most profitable and resourceful companies in the insurance market. And with great success comes bad publicity – Unum…

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Top 10 Reasons for Denial of Disability Benefits

Lack of Objective Evidence Many disability insurance companies today, especially CIGNA, have difficulty in accepting and approving claims for disability benefits for conditions such as Fibromyalgia, Chronic Fatigue Syndrome, and Chronic Headaches and Migraines. Even with all the advancements in science and technology that have greatly impacted the way we provide service to patients, some…

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Most Common Causes of Disability in 2011

According to the Council for Disability Awareness, the leading cause of disability in both new and existing LTD claims in 2011 was due to diseases of the musculoskeletal system and connective tissue. Some of the most common diseases of the musculoskeletal system and connective tissue include Arthritis, Herniated Discs, Degenerative Disc Disorder, Back Pain, Spine/Joint…

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Protecting Your Financial Security through Disability Insurance

According to a recent survey by Northwestern Mutual, only 8 percent of Americans have a disability insurance policy to protect their financial security. Each year, injuries and illness prevent millions of people in the U.S. from working. Keep in mind that it is never too early to prepare for your future and to develop a…

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S Dakota Jury Finds CUNA Guilty of Bad Faith – Awards $6.2 Million to Estate

A jury in Rapid City awarded $6.2 million to the estate of the late Teri Powell, a former Spanish teacher who died of cancer in 2007. The jury, in U.S. District Court, sided with Powell in a dispute over disability insurance. In 2001, while she was teaching at Rapid City Stevens High School, Powell got…

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Exams of Injured Workers Fuel Mutual Mistrust

By N.R. KLEINFIELD – New York Times – March 31, 2009 Click here for article:  Exams of Injured Workers Fuel Mutual Mistrust Click here to register for the NY Times.com

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GMA Gets Answers: Man with MS Fights for Long-Term Disability Insurance

By CHRIS CUOMO and GERRY WAGSCHAL – Good Morning America – Feb. 26, 2009 Click for story and video: Man with MS Fights for Long-Term Disability Insurance Critics Say Insurance Company Doctors Pave the Way for Claim Disputes Charles Tucker, a 48-year-old accountant from Titusville, Fla., began developing frightening physical symptoms about two years ago.…

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GMA Gets Answers: Fighting for Disability Insurance

By CHRIS CUOMO and GERRY WAGSCHAL – Good Morning America – June 27, 2008 Click for story and video: GMA – Fighting for Disability Insurance After a “Good Morning America” Gets Answers story in April about a breast cancer survivor’s battle to get disability insurance benefits from Cigna Group Insurance, we received a flood of…

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GMA Gets Answers: Insurer Delays Long-Term Benefit Coverage

By CHRIS CUOMO and GERRY WAGSCHAL – Good Morning America – April 25, 2008 Click for story and video: GMA – Insurer Delays Long-Term Benefit Coverage Woman With Cancer Spent Nearly 2 Years Fighting for Short- and Long-Term Disability Benefits From Cigna To see Susan Kristoff relaxing near her home in West Palm Beach, it’s…

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