By markscherzer | Published March 15, 2024 | Posted in Long Term Disability Benefits |
By A. Christopher Wieber (Law Office of Mark Scherzer) Clients sometimes ask me: “If my doctor says going to work puts my health at risk, is that enough for me to claim disability? What if measures the doctor tells me to take for safety interfere with my work duties?” Some disabilities limit what you can Read More
Read MoreBy A. Christopher Wieber (Law Office of Mark Scherzer) In Osborne v. Paul Revere Life Insurance Co., 2024 U.S. Dist. LEXIS 41683 (E.D. Cal., Mar. 8, 2024), the U.S. District Court for the Eastern District of California upheld Paul Revere’s denial of benefits under dual policies — a disability income policy and a business overhead policy Read More
Read MoreBy A. Christopher Wieber (Law Office of Mark Scherzer) In Clark v. Silac Ins. Co., No. 22-35685, 2023 U.S. App. LEXIS 24571 (9th Cir. Sep. 15, 2023), the Ninth Circuit Court of Appeals underscored the difference between “home again” and “home health care” benefits and — in the case of the policyholder (Mrs. Dorothy Carroll) Read More
Read MoreBy A. Christopher Wieber (Law Office of Mark Scherzer) When evaluating whether you qualify for benefits under an individually-purchased disability income policy or an employer-sponsored group long term disability plan, it is important to consider not only the evidence substantiating your medical condition, but also the evidence addressing the occupational component of the applicable disability Read More
Read MoreBy A. Christopher Wieber (Law Office of Mark Scherzer) “Will my long-term disability coverage end, disqualifying me for disability benefits, if my company terminates my employment before my claim is approved?” This is a question that I am frequently asked by clients who are in the process of filing a claim under their company-sponsored long Read More
Read MoreBy A. Christopher Wieber (Law Office of Mark Scherzer) Making use of a Long-Term Care Insurance policy can be quite tricky. In the context of a residential care facility, coverage may depend on whether the facility is designed to provide daily nursing, physical therapy, or other sorts of skilled care, or, instead, the facility is designed Read More
Read MoreAttorney Mark Scherzer was recently consulted for and cited in an article posted May 26, 2023, on the Life Annuity Specialist website. The article, “Insurers Get Swept Up in Complaints Over Missed Policy Conversions,” discusses a recurrent problem with employees who leave their companies – typically due to illness or disability – and miss the Read More
Read MoreThe Long Island newspaper, Newsday, in an article published March 9, 2023, reported that “Long-term Care Insurance can be Complicated Answer for Long Island Seniors.” The article discusses the challenges faced by long term care insurance policyholders as they try to file claims for benefits under their policies. Mark Scherzer was cited in the article Read More
Read MoreBy A. Christopher Wieber (Law Office of Mark Scherzer) What if your long-term disability claim was denied and you have a 180-day appeal deadline, but — due to the coronavirus pandemic — your doctors’ offices have been closed, or short-staffed, so that it is impossible to obtain supporting medical documentation in a timely fashion? If your Read More
Read MoreBy Mark Scherzer, Esq. (Law Office of Mark Scherzer) I’m still sick with COVID-19. Can I get disability benefits? If you can’t seem to recover from COVID-19 and are unable to return to work, you may be wondering if you can qualify for disability. The answer is, “Yes, probably, if you satisfy the terms of Read More
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