Year: 2018

The Employee Retirement Income Security Act of 1974 (ERISA) created an administrative appeal that people with group or employer-sponsored disability insurance policies generally had to exhaust before taking their valid claims to federal court. The administrative appeal was designed to give group or employer-sponsored disability insurers a second chance to review a bad-faith denial, thus […]

The National Institute on Drug Abuse reports that almost two-million Americans suffer from an opioid-related disorder. In fact, 25 percent of patients with legally prescribed opioid pain medications may misuse them, and about 10 percent of those patients develop addictions. Many opioid users don’t know that these medications do more than relieve pain. Opioids such […]

Do you ever wonder how insurance companies make money? After all, the average cost of a long-term individual disability policy is only about $500 per year. However, if you qualify for individual or group long-term disability benefits, you might receive about 60 percent of your monthly income during your long-term disability eligibility period. The average […]

Are you a veteran preparing to file a claim for long-term individual or group disability insurance benefits? Were your disability insurance benefits wrongfully delayed, denied, or terminated? Contact the award-winning long-term individual disability lawyers and accomplished group ERISA attorneys at DarrasLaw today. If you’re a veteran, you shouldn’t file a claim for long-term disability insurance […]

So, you filed a valid claim for individual or group long-term disability insurance benefits. During the disability claim process, you provided documentation from multiple doctors, hospitals, and pharmacies describing the nature of your injury or illness, all of your restrictions and limitations, plus pharmacy records, physical therapist or mental health counselor evaluations, and more. Unfortunately, […]

Private, for-profit corporations generally deliver individual and group long-term disability insurance benefits. Thus, every disability insurance policy contract is ultimately designed to protect the issuing disability insurance company’s bottom line. Essential disability benefits are the same under most individual or group long-term disability insurance plans—that is, you should receive income-replacement payments if you are sick […]

Individual and Group Disability Insurance Definitions: The Layperson v. The Legal Terms Helping Beneficiaries Understand Their Confusing Individual and Group Disability Insurance Policies What comes to mind when you think of the term disability? Do you see someone in a wheelchair, with a guide dog, or walking with an aid? Webster’s defines “disability” as “a […]

Life doesn’t always go the way we plan. You may feel excited to finally start a new job, one with better disability insurance benefits, but that’s when a serious illness or injury may strike. While some of American employers offer short- and long-term group disability insurance benefits, you must typically get through a waiting period […]

Generally, your long-term disability insurance exists to replace your income if you can’t work because of a disabling illness or injury. Most individual or group long-term disability beneficiaries are completely disabled from their current occupations, but this isn’t the case for all disability claimants. While a serious disabling illness or injury can leave you with […]

During the last 30 years, Frank N. Darras has earned the reputation of America’s top-rated individual and group long-term disability lawyer. Mr. Darras and his firms have recovered almost $1 billion in wrongfully delayed and denied insurance benefits. Darras has done it with a combination of unique legal knowledge, litigation and claim experience, and care […]