On September 21, 2018, the United States District Court for the District of Massachusetts issued an opinion awarding long-term disability (“LTD”) benefits to a fibromyalgia patient whose benefits were wrongly terminated by Unum Life Insurance Company and Provident Life and Accident Insurance Company, both of which are owned by Unum Group.  A copy of the Court’s decision in

Properly documenting a disability is critical to receiving the benefits you deserve. However, documenting a mental health disability is often harder than a physical one. You might find that you have not collected sufficient evidence to convince your insurance carrier that you qualify for benefits. To help your case, follow these tips. Meet with a Doctor A doctor

After an employee makes a long-term disability claim, the insurance company often requests an independent medical exam (IME). During the IME, you will be examined by a doctor chosen by the insurance company. If this sounds a little suspicious, you are right for being skeptical. Often, insurers use IMEs to deny disability benefits by having their doctor minimize