Winning Your Long-Term Disability Claim with BenGlassLaw
Winning Your Long-Term Disability Claim is the podcast for anyone fighting — or about to fight — an insurance company over a denied or terminated LTD claim. Hosted by Ben Glass, who some call "America's Disability Lawyer for Doctors" and a plaintiff's ERISA attorney who has been fighting these claim in federal court since 1999, and Damon Miller, an attorney at BenGlassLaw who litigates these cases all over the country. Each episode breaks down real long-term disability and life insurance claim fights — recent court decisions, appeal strategies, and the tactics insurance companies like Reliance Standard, MetLife, Unum, Guardian, Lincoln Financial, Prudential, Cigna, Hartford, Principal, and Aetna use to deny and delay. If you're on claim, on appeal, or in litigation against any LTD carrier, this show is for you.
The podcast is a production of Ben Glass Law, a national long term disability and life insurance law firm headquartered in Fairfax, VA.
If you have been denied life insurance or long term disability benefits, we will review your insurance claim denial letter for free.
Episodes
47 episodes
Paul Revere: Congrats On The Side Hustle, Your Benefits Are Canceled
A dentist can’t practice dentistry anymore, everyone agrees he’s disabled, and he still loses his long-term disability benefits. That’s not a shocking medical story, it’s a contract story, and it’s exactly why we recorded this breakdown of Cara...
Ben Glass argues after Aetna Cuts Off Benefits After Seven Years
This is a case that Ben Glass argued in the 4th Circuit Court of Appeals in November. It involved a former Cox Enterprises employee who's benefits were terminated by Aetna, the plan administrator, after seven years of payments.Ben argue...
How Did the Court Expose Reliance Standard’s Flaws in Terminating the Claimant’s Benefits?
In this episode, we explore a financial advisor's battle against the wrongful termination of his long-term disability benefits. He was a financial advisor at Fulton Financial Corporation, where he began working in 2009. In 2014, h...
How Did Procter & Gamble Change the Claimant’s Status From Total to Partial Disability?
The episode revolves around the denial of the claimant's claim for long-term disability benefits. The claimant was an employee at Procter & Gamble for many years. His role required him to perform various duties, which he could...
Can Sun Life Terminate Disability Benefits Based on One Medical Record's Opinion?
Can an insurance company really decide you're no longer disabled based on just one medical record? This episode begins with the story of Dr. Rohr, an anesthesiologist who had to stop practicing due to crippling h...
What Treatments Did the Claimant Undergo to Prove Her Disability?
DISCOVER how one woman's struggle with her insurance company highlights the difficulties of getting long-term disability benefits. Occupation: Insurance sales agent.Medical Condition: Persistent and sever...
Can Insurance Companies Ignore Treating Physicians' Opinions?
LISTEN TO THIS EPISODE to find out how a founder and innovator fought against his insurance company for his long-term disability claim. The primary issue was whether Aetna's denial was random and unfair, particularly when their ow...
What Could Have Been Done Differently to Protect the Claimant's Rights to Disability Benefits?
IN THIS EPISODE, we take a closer look at the story of a former employee at a dental supply company who suffered a traumatic brain injury from a fall down a flight of stairs. Despite thorough treatment, she continued to suf...
What Specific Requirement Did Hartford Fail to Meet in The Claimant's Disability Claim?
THE CLAIMANT was a former employee at Wright Medical Technology. He was suffering from the side effects of prostate cancer treatment when he applied for long-term disability benefits. But, his insurance company, Hartfor...
Did Hartford Rightly Terminate the Claimant's Benefits Based on a 24-Month Cap Policy?
TUNE IN to find out why the DSM (Diagnostic and Statistical Manual of Mental Disorders), often seen as the ultimate guide, might not be as reliable as we think. Discover why re-evaluating these standards could be key to making ins...
How Did the Claimant's Attorney Argue Against UNUM's Decision in the Appeal Process?
In this episode, the claimant was employed as a Security Director at Manhattanville College, where he experienced several health conditions, including:Aortic valve replacement in August 2010Paroxysmal atria...
What Additional Evidence Did the Claimant Submit During the Reopened Record Review?
According to the physical demands analysis submitted by his employer, the claimant's job at Tower Hill Insurance Group required him to:Sit for a maximum of two hours at a time, for a total of seven hours a day.Stand or walk...
For Health Care Providers - How to Buy Long-Term Disability Insurance
How to Buy Long-Term Disability InsuranceIn today's podcast, listen in to a recording of a presentation long-term disability attorney Ben Glass recently gave to a national gathering of nurse anesthetists. During the session, Ben s...
Why Did the Appellant Challenge the Denial of her Disability Benefits as Bad Faith?
The claimant was a former respiratory therapist and a director at Athens Limestone Hospital before she ceased working on October 12, 2012, due to multiple health issues.The disabling conditions she claimed included:Fibrom...
How Does the Claimant's Pre-Existing Condition Affect His Claim for Long-Term Disability Benefits?
The claimant, a former truck driver, was diagnosed with two primary medical conditions. Initially, he was diagnosed with Posterior Vitreous Detachment (PVD) in his right eye. Subsequently, a retina specialist diagnosed him with Macula-off Retin...
How does the claimant refute Reliance Standard's assertion that he returned to work?
The claimant was a former salesperson, experienced serious physical and cognitive limitations following a car accident. These impairments, which affected his sustained attention, information processing speed, and neuromotor functioning, signifi...
What Led to the Termination of the Claimant's Disability Benefits Despite Medical Evidence?
The claimant, a plant manager, left his job due to a series of strokes and heart problems. His medical conditions included high-grade stenosis (narrowed blood vessels), hypertension, diabetes, two strokes, serious coronary artery disease leadin...
Was the Termination of Long-Term Disability Benefits Justified Due to Alleged Malingering?
The claimant was an Enterprise Storage Engineer who encountered severe health challenges due to hydrocephalus, requiring surgery to remove a brain cyst. Following this, he applied for long-term disability benefits, but his insurance com...
Can On-Call Hours Count Toward Full-Time Employment Status for Disability Claims?
The claimant was a physician, who transitioned from part-time to full-time disability due to her deteriorating health condition. But her application for long-term disability benefits, which is governed under the complex umbrella of ERISA was de...
How Did the Outcome of the Claimant's Benefits Reinstatement Impact the Court's Decision on Legal Fees?
The claimant appealed the district court's decision to deny his motion for attorney's fees under ERISA after Unum Life Insurance Company of America terminated his long-term disability benefits. The claimant argued he deserved to h...
How Did Starting the Limitations Clock Early Affect the Claimant's Lawsuit Against Prudential?
The claimant, a former accountant, was diagnosed with mild cognitive impairment by a board-certified neurologist and determined by a medical doctor specializing in occupational medicine to be unable to work due to his condition. These diagnoses...
How Do Self-Reported Symptom Policies Apply to Reinstating Denied Claims?
The claimant, a former sociology professor at Rollins College, dedicated her career to teaching, advising students, developing courses, grading papers, and contributing to academic research and writing. Unfortunately, her career and daily life ...
What Happens When Your LTD Claim is Denied Twice?
The claimant was a former social worker at Intermountain Health Care Inc. Her medical conditions included Chronic Fatigue Syndrome (CFS), hypersomnia, obstructive sleep apnea, severe depression, and anxiety. Her treatment for these conditions ...
How Does a Successful Appeal Lead to Reinstating Terminated Disability Benefits?
The Supreme Court has established a principle for cases challenging the denial of benefits under the Employee Retirement Income Security Act (ERISA). According to this principle, such denials should generally be examined anew (de novo) unless t...
Your Employer Switches Insurance Companies for Disability - Can You Recover from Both Policies?
Before her health issues, the claimant was a distinguished attorney in Birmingham. Unfortunately, she developed chronic pain syndrome, fibromyalgia, and lumbar disc disease, conditions that deeply affected her professional life and dai...