All Posts By Justin Frankel
Early Intervention Can Cut Disability Costs – Smart Business Is Also Good Business
Sun Financial Life and Integrated Benefits Institute (a purported non-profit benefits research organization) have “discovered” that employers who take a pro-active approach and get involved with their employees…
When The Doctor Is The Patient – the Law Office of Justin Frankel Article In American Chiropractic Association News
We are pleased to share an article recently published in ACA NEWS, published by the American Chiropractic Association, the largest professional association in the US representing doctors of Chiropractic. The article explor…
Prudential Denies Disability Claim Without a Real Medical Exam
Late night television commercials sell life insurance, boasting that no medical exam is required. How about a disability insurance company that doesn’t need a medical exam – in this case, to deny a claim? Maybe…
Sedgwick – A Dangerous Third Party Administrator
A recent case reveals that it is often worse to have a third party administrator reviewing and considering eligibility for long term disability insurance benefits than it is to have an insurance company considering the cla…
Successful Appeal Of UnumProvident Termination Of Long Term Disability Insurance Benefits For Surgeon
Our client is a vascular surgeon who suffers from numerous co-morbid conditions, including Chronic and Recurrent Alcoholism, Hepatitis C, Fatigue, Diabetes, Hemochromatosis, Hyperparathyroidism, Lumbosacral Disc Herniation…
EMPLOYEES DON’T ALWAYS GET TO CHOOSE – BUT YOU CAN BE PREPARED
Unlike a privately owned Long Term Care Disability Insurance Policy, where you get to choose the policy, the selection of various additional riders or policy enhancements, and the company you purchase it from, most employe…
UNUM Policyholder – We Win On Appeal, Lifetime Benefits Are Reinstated
A New Jersey doctor has been on residual disability with UNUM for over ten years as a result of a sickness that limited his ability to practice as an obstetrician/gynecologist. The language of his UNUM policy states that i…
Disability Insurance Forums – A Helpful Source
A helpful forum where policyholders and disability insurance sources meet online is www.disabilityinsuranceforums.com. We are not affiliated with the forum, but we do occasionally participate in the discussions. One common…
The Truth About Functional Capacity Evaluations
In the course of many types of disability insurance claims, insurance companies have increasingly sought to have claimants undergo dangerous, often unreliable testing, known as a Functional Capacity Evaluation (“FCE&…
