Winning Your Long-Term Disability Claim with BenGlassLaw

Ben Glass
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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. 

  1. 11/06/2024

    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 argued that Aetna violated ERISA claim regulations in several ways, including ignoring the social security determination that the claimant remained disabled.  Ever wondered why insurance companies can suddenly terminate benefits after years without warning? Here we argued that Aetna failed to engage in meaningful dialogue with Smith. Discover how these missteps can affect unrepresented individuals and the critical role of clear communication and adherence to regulatory standards in protecting their rights. Join us as we dissect the complexities of remanding long-term disability cases and the intricacies involved in evaluating chronic pain patients' work capacity. With cases like Harrison and Gagliano, we highlight the contentious issue of paper reviewers challenging in-person medical opinions and the importance of a thorough review of all medical evidence. The discussion sheds light on the standards insurance companies must meet and emphasizes the need for fair and unbiased determination of work capacity and benefits entitlement. We also delve into the distinct differences between Social Security and ERISA evaluations, exploring how these systems impact claimants' ability to perform gainful activity. With a focus on fiduciary responsibilities, this episode underscores the importance of objective evidence and the need for insurers to remain unbiased and curious throughout their decision-making processes. We aim to equip you with invaluable insights into the legal landscapes of disability claims, ensuring that individuals like Jeremy Smith receive the fair treatment they deserve. These public domain recordings are brought to you by Ben Glass Law, a national long term disability and life insurance firm headquartered in Fairfax, VA. By making these recordings into a "podcast," we've made the listening easier for claimants, attorneys and claims adjusters alike. If long term disability or life insurance benefits have been denied, we'd love to review your denial letter and give you a strategy for moving forward. This is a free service and you can go here to begin submitting your denial letter.

  2. 08/22/2024

    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, he started experiencing severe pain and numbness in his legs and feet, progressively losing his ability to stand, walk, and drive. By 2015, his condition had deteriorated to the point where he could no longer work. After consulting with specialists, he was diagnosed w...

  3. 08/08/2024

    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 no longer carry out due to medical issues. Specifically, in June 2012, he underwent gallbladder removal surgery for gallbladder cancer. Following his surgery, he was initially approved for total disability benefits under the company’s Disability Benefit Plan.However...

  4. 08/01/2024

    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 hand and finger tremors in 2007. After a decade of receiving long-term disability benefits, a controversial 2017 reassessment by Sun Life concluded that his tremors had ceased, causing a heated debate about who must prove that the disability continues. Hear about Dr. Potts, who i...

  5. 07/25/2024

    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 severe pain in the neck, shoulders, upper extremities, and lower back.Despite extensive treatments like surgery, injections, medication, acupuncture, and physical therapy, the claimant's pain persisted, making it impossible for her to perform essential job tasks such as prolonged sitting and ...

  6. 07/18/2024

    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 own hired consultants acknowledged Daniel's severe limitations. The CLAIMANT suffered from neuromyelitis optica (NMO), a severe neurological condition also known as Devic's Disease. Despite extensive treatments, including chemotherapy and various medications, his condi...

  7. 07/11/2024

    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 suffer symptoms that ended her career.The claimant applied for long-term disability benefits but was denied on October 17, 2019. However, she didn't give up and appealed the decision, but unfortunately, her appeal was also turned down on August 31, 2020.Subsequently, she took ...

  8. 07/04/2024

    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, Hartford Life and Accident Insurance Company DENIED HIS CLAIM because they stated they did not have enough proof of loss to evaluate his disability, specifically citing missing medical records necessary to make a decision.On April 11, 2020, the claimant filed an administrative appeal ...

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About

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. 

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