rajiv@optimizedco.com

Buckle up because this story could easily be adapted into a three-hour dramatic film starring Reese Whitherspoon and directed by Oliver Stone. And if you Read More

We spend a lot of time on this blog discussing the dubious, sometimes nefarious tactics insurance companies will use to deny or terminate long-term disability Read More

An unfortunate fact in the ERISA long-term disability world is that many people will find themselves appealing decisions which deny or terminate benefits. Whether the Read More

Anyone familiar with the sometimes inexplicable state of disability insurance claim denials won’t be shocked by a recent case where an insurer’s arbitrary machinations ended Read More

If you’ve been struggling with a baseless, inexplicable Social Security disability claim rejection in recent years, you’re not alone. The highest rate of Social Security Read More

Most people over 40 remember a time when health insurance was simple. We paid our monthly premiums and received coverage for almost every doctor visit Read More

ERISA disputes are perhaps the worst-timed legal challenges a person can encounter. People with incapacitating illnesses or injuries, often involving a cognitive impairment, must become Read More

Congress recently voted to end the COVID public health emergency that has been in place for the past three years. While it may seem as Read More

In theory, we should never sign anything without reading and understanding its contents. In practice, we are presented with sprawling documents and agreements stuffed with Read More

Though the judgment against the insurer was swift, a recent ERISA case is a timely reminder that sometimes insurers will resort to the benefits cancellation Read More

A recent successful appeal highlighted how the sometimes everyday interchangeability of the words “illness” and “injury” can mean the difference between temporary and lifetime ERISA Read More

Two recent “own occupation” versus “any occupation” judgments, in addition to cases from late last year, while not resounding successes, seem to indicate a trend Read More

The seismic 2019 ruling in Wit v. United Behavioral Health (UBH), which compelled UBH to reprocess more than 50,000 denied claims for psychiatric conditions due Read More