At our law firm, we help people in their claims for short- and long-term disability insurance benefits based on a variety of impairments. As we have written about in this space, disability insurance companies now regularly use video, physical and Internet surveillance of claimants to gather evidence that might undercut their claims.
This summer, we published a post about important new research on chronic fatigue syndrome, a debilitating illness characterized by muscle pain, inflammation, cognitive impairment and overwhelming tiredness. As we described, the disease has been renamed as myalgic encephalomyelitis, or sometimes ME or ME/CFS, and the research shows promising progress toward an eventual laboratory test for CFS.
We recently wrote about the unique needs of physicians who file claims for long-term disability. In that post, we talked about the difficulty for doctors — who may run expensive professional practices and rely on relatively high incomes for personal and business needs — to have their ability to practice medicine suddenly interrupted by the onset of disabling medical conditions.
If you are offered long-term disability insurance as part of your benefits package at work, you might be tempted to turn it down. Why pay for something (even if your financial contribution toward the premium is small) that you think you are unlikely to need? You may be young and healthy, and maybe you figure you can use Social Security Disability Insurance instead if you cannot work because of illness or an injury.
Here at Roboostoff & Kalkin, we have represented many people who are disabled because of medical conditions that can be hard to prove, giving disability insurance companies an excuse to deny their claims. Chronic fatigue syndrome, known as CFS, is a classic example of this type of illness with its myriad of subjective symptoms.
It would be disconcerting or even frightening for anyone to find out that someone is trolling him or her on the Internet, or watching his or her comings and goings from a vehicle staked outside the house. We prize our privacy rights and many people view private surveillance with suspicion.
Most readers of our blog across California might reasonably conclude that optimism is invariably a good thing. As a personal attribute, it fosters forward movement and provides energy that drives positive outcomes.
A host of questions can easily arise concerning employer-provided (ERISA) and private insurance policies offering protection against long-term illnesses and injuries.
A compelling argument can be made that virtually every worker in California and across the country needs the safeguards provided by long-term disability insurance. Federal government research reveals that about 25% of all Americans will suffer from disabling conditions prior to the age of 67. The financial ramifications in any case where that occurs can be dire, indeed, if insurance is not in place to provide adequate protection. Yet, legions of people ignore that reality.
Maybe you think you're just being paranoid or overly sensitive following the filing of a long-term disability claim in which the insurance company finally recognized the merits of your claim after protracted challenges.