This ProPublica article could just as well be talking about long term disability insurance cases. https://apple.news/AODmEPiA3TEmoesS49TyMAQ Insurers continue to rely on doctors whose judgments have been criticized by courts In dozens of cases ProPublica reviewed, judges found that some doctors working for these companies engaged in “selective readings” of medical…
Almost every group long term disability insurance policy contains wording allowing the insurance company to reduce the monthly benefit it pays by any other income the disabled person receives. The most common other income is social security disability. The practical effect can be seen in the following example: Annual Income:…
SMDA recently helped a registered nurse obtain a favorable settlement of her claim for long term disability insurance resulting from her significant orthopedic spine problems. Our client had worked as a registered nurse for a local hospital system for more than two decades. As anyone in the nursing business knows-nursing…
ProPublica recently filed a very well sourced article on the lengths health insurers will take to deny coverage in order to preserve profits. https://www.propublica.org/article/priority-health-michigan-cart-insurance-vanpatten-denials When a claim is denied you as the claimant have certain rights. https://www.propublica.org/article/find-out-why-health-insurance-claim-denied As the article explains this includes the right to obtain a copy of the…
By Darren K. Legato, Serafini, Michalowski, Derkacz & Associates, PC Michigan Courts have spent an exorbitant amount of time discussing the issue of “Domicile” versus “Residency,” though it seems almost all of it recently has centered around claims for Personal Protection Insurance (“PIP”) benefits and the order of priority for payment…
SMDA was recently able to help a disabled dentist recover on his individual disability insurance policy after his claim for total disability benefits was denied. The LTD insurer had denied his claim when it discovered that he had opened a small tap room/eatery. SMDA was able to convince the disability…
SMDA was contacted by a physician to evaluate a repayment request by a well known Long Term Disability Insurer. The doctor had been diagnosed with a medical condition which interfered with the surgical aspects of his practice. The disability insurer convinced the doctor that he was only residually disabled and…
NPR radio released a chilling view into the future of Michigan car crash victims. Click the link above to read the article.
The attorneys at SMDA were recently able to get Cigna (Life Insurance Company of North America) to overturn the claim denial decision for Long Term Disability insurance benefits for a client who had developed significant and progressive cognitive problems. The client underwent neuropsychiatric testing which confirmed a number of impairments…
SMDA was recently able to get Long Term Disability insurance benefits reinstated for a client who had developed significant orthopedic spine problems. The client had last worked at a sedentary job for an engineering firm. The Disability insurance company (Reliance Standard) had initially approved and paid benefits for more than…