By Scott E. Davis, Disability Attorney

Many people, as well as their medical professionals, mistakenly believe that when they file a claim for short and/or long-term disability benefits, their disability insurance company has to accept their medical professional’s (doctor’s) statement that they are disabled.  Common sense suggests this is a reasonable assumption – but it couldn’t be further from the truth.  Why? Because so many insurance companies simply do not want to pay people’s disability claims and when armed with discretionary language in the policy as they frequently are – the insurance company has the final and only say on whether you are disabled, not your doctor.

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By Scott E. Davis, Disability Attorney

When people are unable to work and their short and/or long term disability claim is approved, the disability insurance company often uses a psychological diagnosis regardless of a physical diagnosis. This if often true even though you may have primarily physical diagnoses and have filed your claim on that basis. So, why would an insurance company do this? Continue reading →