Every insurance company has an internal appeals process that typically must be exhausted before a claimant is able to file a law suit under ERISA.  Several companies, however, often have two levels of internal appeals which give rise to the question: does that mean a claimant must exhaust the second level of appeal?  The short ...

I am writing this blog to follow up on my previous blog on social media and short term/long term disability claims.    Another insurance company tactic that all short term/long term disability claimants should be aware of is surveillance.  Insurance companies can and do hire outside investigators to perform surveillance on claimants.  Insurance companies also very ...