Posted on behalf of Goldberg Finnegan, LLC on Apr 21, 2017 in Long-Term Disability
Each year in the U.S., 610,000 people die of heart disease, according to the Centers for Disease Control and Prevention. Moreover, 735,000 Americans have heart attacks every year, with 210,000 of these being second-time events. With such sobering statistics…
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Posted on behalf of Goldberg Finnegan, LLC on Apr 11, 2017 in Long-Term Disability
Major dysfunction of a joint occurs when medical problems in one of the body’s main joints (shoulder, elbow, wrist, hip knee or ankle) impede your ability to move or function effectively. The dysfunction can generally happen due to any cause. For example,…
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Posted on behalf of Goldberg Finnegan, LLC on Apr 05, 2017 in Long-Term Disability
One of the most insidious practices by insurance companies in crafting long-term disability (LTD) policies is the Mental Illness Limitation. This common language in long-term disability policies limits benefits paid to 24 months if the underlying condition…
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Posted on behalf of Goldberg Finnegan, LLC on Mar 30, 2017 in Long-Term Disability
Some of the most complex cases in disability law involve clients with fibromyalgia. This is because, on top of fighting the normal legal inertia of adjusters and insurers seeking to deny the claim, you battle the pervasive idea that fibromyalgia is a…
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Posted on behalf of Kevin Goldberg on Feb 24, 2017 in Long-Term Disability
Yesterday I met with a Social Security client who was already receiving long-term disability (LTD) benefits. Although she had already planned on applying for Social Security Disability, she mentioned that Hartford, her LTD carrier, was “making” her apply…
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Posted on behalf of Goldberg Finnegan, LLC on Feb 17, 2017 in Long-Term Disability
Arthritis can be among the most debilitating of illnesses leading people to apply for disability. The two main types of arthritis, rheumatoid arthritis and osteoarthritis, are caused by different mechanisms but can have equally devastating impacts on…
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Posted on behalf of Goldberg Finnegan, LLC on Feb 10, 2017 in Long-Term Disability
One of the more sinister things that insurers can do during the long-term disability (LTD) claim process is to have you surveilled (followed) for a period of time to see if the limitations you discussed in your application for benefits match what they…
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Posted on behalf of Goldberg Finnegan, LLC on Feb 03, 2017 in Long-Term Disability
The process of applying for long-term disability (LTD) can be confusing and intimidating. It can bring shock to discover that the insurance company is denying something you’ve relied on through years of hard work to secure you and your family if you get…
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