This new book, by Virginia Disability Insurance attorney Ben Glass rocks the disability insurance world.
How's this for fair?
The insurance companies sell group policies that some courts have said provide little or no coverage.
Congress passes ERISA to 'protect' employees pensions but in doing so unwittingly gives the disability insurance companies a free pass to play the game on a field that is not level. Then, when claims are denied the insurance companies blame the employers for buying crappy policies.
Ben Glass exposes the scam in Robbery Without a Gun. It's free for Virginia residents!
The book should be read by:
Any employer who thinks he/she is providing real disability coverage to the employees.
Any doctor who treats patients who are making long term disability claims.
Any claimant BEFORE they make a claim.
Your employer's group long-term disability policy may be the greatest rip-off in the history of the American employee! Unsuspecting employers have been conned into buying policies that some courts have said will only pay benefits if you are in a coma. Get my book by filling out the form above.
Ben Glass can help you if you are thinking about going out on disability, and need advice. Consults are done on an hourly basis and the fee is $500.00 per hour. You should first read Robbery Without a Gun, Why Your Employer's Long-Term Disability Policy May be a Sham. You can get the book (free to Virginia Residents) by filling out the form above.
Group long-term disability insurance polices are one of the biggest scams in America. Claims for non-payment of insurance benefits are exploding as insurance companies try to cut every bill that they can. What they save by denying you benefits for hundreds of dollars turns into millions of dollars when they do it to every claimant.
Disability insurance companies are finding that policies that they wrote years ago, promising to take care of you if you couldn't do your job, are becoming very expensive for them. We have handled, and are handling, many claims against Unum Provident, CNA, Hartford, Prudential, and many other insurance companies.
You should absolutely consult with an attorney experienced in ERISA long-term disability claims before you file a claim. Too often we are contacted by people who have filed claims and exhausted their administrative appeal rights . If you must later file suit, a court is only going to review what is in the insurance company's file. EVERY case we have in which the client has applied for benefits and done the appeal himself/herself, the record that the court reviews lacks important information and documents that could have been provided with the original claim. Remember, the insurance company KNOWS that your review in court is limited.
Do you think that the insurance company is going to fill the record with information favorable to you? We have never seen that happen!
Your attorney should be experienced in litigating disability income insurance claims and, if you insurance is through your employer, that attorney should understand how ERISA impacts the case. Ask the right questions. Attorneys cannot simply “dabble” in ERISA!
If you have been denied long term disability benefits, we will review that denial letter at no charge and suggest an appropriate course of action. We have a variety of fee programs available.
We want you to know your rights and understand the insurance company tactics.
Description: I was recently hired as an expert witness to help "defend" an attorney who had no business trying to handle a long-term disability case. I told the attorney who hired me "settle this case, this was terrible."
Description: Inova Fairfax Hospital Long Term Disability Policy for Nurses Gets "C-" Grade
Description: How long do you have to file a lawsuit about a disability denial? Walmart says "three years from the time proof of claim is due" even it that would be impossible
Description: MetLife is using one-sided peer to peer reviews to discredit unfavorable doctor reports in long term disability claim cases.
Description: Insurance companies have an incentive to deny claims and will string you out for years because they often don't have to pay punitive damages. Know your options.
Description: Sedgwick denies long term disability benefits after cherry picking evidence that the claimant's condition was improving when it wasn't. Judge punishes Sedgwick.
Description: Principal Life Insurance Company denies a claim for a claimant with tinnitus and headaches by demanding objective evidence that he is in pain. Court overrules.
Description: Walmart offers its employees one of the worst types of long term disability policies available
Description: Federal Judge recognizes the utter unfairness of group long term disability policies under ERISA
Description: The best time to talk to an attorney about your long-term disability case is before you file
Description: Just because your disability insurance policy talks about an "administrative appeal process" does not mean that you can't use a lawyer - in fact it's recommended.
Description: In a disability case if your doctor says you can work and testing shows you tried to fake it you will lose.
Description: The long term disability insurance company is going to immediately obtain your medical records - better you have them first.
Description: Disability Policy Written by National Life Insurance Company Says It Will Pay 18% Interest for Delayed Payment of Claims
Description: Should you use an attorney for your long-term disability appeal? Federal judge says "yes"- "and get a good one"
Description: When your Long Term Disability Insurance Company Denies Your Claim, You Shouldn't be Using Your Brother-in-Laws divorce attorney just because he "did a good job"
Description: Families with long time nannies often wonder which employee benefits they should be providing
Description: When your disability benefits are denied under your employer's long-term disability plan the next 180 days are the most important part of your claim.
Description: Just because you have a mental or nervous condition does not necessarily mean that your benefits under your employers disability policy will be limited to 2 years
Description: Claim was denied even though the claimant could not perform his actual job duties. Standard insurance company pointed to language that said they would charge how the job was done in the national economy. It didn't matter that the claimant couldn't do his own job.