Category: Individual Disability Claims

If you are dealing with a long-term disability — especially one that comes from a sudden injury — we know that it can be difficult to reintegrate into life. Your disability might be keeping you from work you once loved or making it harder to enjoy activities with your family and friends. While all of […]

MetLife, the largest insurer in the United States, will no longer sell individual disability insurance policies after September 1, 2016. Kieran Mullins, senior vice president of MetLife’s client solutions department, explained the company’s decision in a recent memo: “This was not an easy decision to make, given the growth and strength of our IDI business. […]

When you are confronted with health issues that are serious enough to put your livelihood in danger, you need to know your rights and your legal options. You also need to know that you do not have to figure all this out on your own. Thousands of people from across the country have worked with […]

Many people are under the impression that health insurance is more than enough to deal with any medical problem that comes into their life. While this is true in regards to receiving treatment, there is something else to consider: You may run into an injury or illness that keeps you out of work for an […]

If you’re filing a long term disability insurance claim, every form you complete and action you take matters. Insurance companies will look for any valid reason to deny you benefits; if you’re not careful, you may provide them with the information they can use to invalidate your claim. Learn more about the most common reasons […]

When you say that someone is disabled, the common assumption from many people is that the person must be in a wheelchair, using a cane, using a walker, or unable to get around. This is a very inaccurate assumption, which is why it’s important to show that disabilities can be much more complex than that. […]

  Did you know that an estimated 400,000 Americans have multiple sclerosis, and 200 new cases are diagnosed each week? Multiple sclerosis, often referred to as MS, is a chronic disease that attacks the central nervous system. There are several types of MS, including: relapsing-remitting multiple sclerosis (RRMS) primary-progressive MS secondary-progressive MS progressive-relapsing MS The […]

Are you planning to buy an individual disability insurance policy to protect your livelihood? In our latest Slideshare presentation, we explore the ideal features, advantages and benefits to look for in a policy:  

Neurological issues can be life-altering, and they may make it impossible for you to ever work again in California. Below are a few key issues that are highlighted by the Social Security Administration (SSA). 1. Epilepsy With this disorder, the sudden onset of seizures can occur. Not all cases are the same, so the SSA […]

Insurance companies often limit the disability benefits they pay for “self-reported” conditions to two years. However, these conditions often last for far longer than that. This means that people may require medical treatment and be unable to work well past the time when they stop receiving benefits. At DarrasLaw, we work to help our clients […]