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Ben's Blog 
Disability Insurance Claims
- Words You Don't Want To See In Your Long-Term Disability Insurance Policy
- What You Need to Know About Long-Term Disability Insurance Companies
- Your Beliefs About Virginia Disability Insurance Might Be Wrong
- Disability Insurers’ Tactics Are Often A Double-Edged Sword
- Insurers Have the Upper Hand in Virginia Disability Insurance Lawsuits
Frequently Asked Questions about Personal Injury, Medical Malpractice, and Insurance Disputes
Q: CONFLICTING DOCTOR'S RECOMMENDATIONS: I have gotten several conflicting recommendations from my doctor: first that I am not a candidate for surgery and then that I should undergo extensive surgery. I have filed for SSD and am getting LTD from insurance carrier. If I refuse surgery and go with the first diagnosis what will happen with SSD and LTD?
A: Generally speaking, a long-term disability insurance company cannot direct that you have extensive surgery. However, there have been circumstances where a claimant refused to undergo relatively simple surgery which all of the doctors agree would have allowed the claimant to work. We have seen courts deny long-term disability payments in that situation. However, generally with the issue of extensive surgery and conflicting medical opinions you will not be penalized because you decide to not undergo the risk of surgery.
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Testimonials
- Congratulations on having been selected by your peers for inclusion in the 2011 edition of The Best Lawyers in America®
- This is our first experience meeting with a lawyer. Surprisingly, our meeting with Ben went so well. It was very informative and educational.
- We were deeply touched by your kindness.
- I contacted Attorney Ben Glass's office and franticly spoke to his assistant Terry. We had a little more than two weeks to challenge my LTD provider's threat to offset my LTD disability payments by the amount of a recent settlement I had received on a Worker's Compensation claim - the claim was settled outside of the Worker's Compensation system.
- I want to thank you and your staff for all your hard work in 2009. I greatly appreciate your efforts on my wife's disability appeal. Your staff worked hard, is very talented and your ethical approach was readily apparent.
Stephen Power
Latest News
- Posted on 11/17/2009Sun Life Could Not Simply Ignore Social Security Award
- Posted on 11/17/2009Unum Orders Functional Capacity Exam, Then Ignores It
- Posted on 10/22/2009Prudential insurance company loses another disability case
- Posted on 10/18/2009MetLife Hammered in Disability Case After Ignoring Treating Physician Opinion
- Posted on 9/30/2009Judge Calls Hartford's Review of File "Incomplete, Selective and Unreasonable"