Illinois Public Safety Employee Benefits

Feb 14, 2018 | Blog |

By: Andrew B. Bryant On February 6, 2018, the Illinois Appellate Court issued a significant decision safeguarding healthcare benefits for injured public safety employees under the Illinois Public Safety Employee Benefits Act (“PSEBA”) (820 ILCS 320/1 et seq). In the case, a City of Des Plaines Police Officer stopped a truck for operating with an apparently overweight load. At a local weigh station, the overweight violation was confirmed by the officer. The officer then climbed a ladder to inspect the truck’s load in order to complete administrative paperwork required by the City. While climbing the ladder, the officer injured his […]

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What Makes ERISA-Covered Plans Unique?

Jan 31, 2018 | Blog |

In 1974, Congress enacted the federal Employee Retirement Income Security Act (ERISA) in order to shield plan participants from management misconduct that could affect their assets. ERISA applies to a variety of private, employer-sponsored benefits plans, including retirement, disability and healthcare plans. In the context of short-term and long-term disability insurance (where policyholders often secure such coverage through their employer), many such plans are covered by ERISA. When a dispute arises concerning an ERISA-covered plan, it’s important that you work with a qualified Chicago ERISA attorney who has specific experience handling ERISA disputes from appeal to litigation. ERISA Benefits Plans […]

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How Long-Term Disability Benefits Work

Jan 30, 2018 | Blog |

Long-term disability coverage is essentially the “private insurance” version of Social Security Disability Income (SSDI) in that it operates as a wage replacement for those who are rendered incapable of working for an extended period of time due to their disabling condition.  Long-term disability benefits are often offered through one’s employer, but it is not uncommon for such benefits to be obtained independently through an individual plan. If you are making a long-term disability claim, you are likely suffering from a serious and debilitating condition, and as such, an insurer’s failure to grant long-term disability benefits can be particularly damaging […]

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Do You Qualify for Private Disability Benefits?

Jan 29, 2018 | Blog |

Private disability insurance is common — whether obtained through an employer (i.e., a group disability insurance plan, or subsidized individual disability insurance) or independent of one’s employer — and is highly advantageous when compared to public disability options, such as Social Security Disability Income (SSDI). However, many policyholders are unaware of the nature and extent of their compensation rights under their private disability insurance contracts, and as a result, they may be rather unexpectedly faced with a dispute over their disability insurance claim.  For now, let’s take a look at some of the issues concerning private disability insurance qualification. What […]

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Can a Pre-Existing Condition Influence Your Health Insurance Claim?

Jan 26, 2018 | Blog |

With the passage of the Affordable Care Act in 2014, pre-existing conditions were addressed on a federal level. Since Illinois is a guaranteed issue state, health insurance claimants in Illinois enjoy thorough protections with regard to their pre-existing conditions and the way in which their health insurers handle their claims. Pre-Existing Conditions Cannot Justify Claim Denial In Illinois, an insurer cannot deny coverage on the basis of a pre-existing condition.  For example, if you are suffering from a persistent immune system disorder (i.e., Lupus) for several years prior to signing onto a new insurance plan, your insurer cannot thereafter deny […]

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What Is A “Very Active” Lifestyle In A Disability Claim?

Jan 24, 2018 | Blog |

Social Security Disability Claim Denial Overturned by Seventh Circuit Court of Appeals By: Andrew B. Bryant In the recent decision of Cullinan v. Berryhill, the Seventh Circuit Court of Appeals vacated the denial of a Social Security Disability claim involving a woman suffering from various conditions including anxiety, depression, peripheral blindness, diabetes, sleep apnea and obesity.     The Administrative Law Judge (ALJ) hearing the claim found that while the claimant had several impairments, she was not disabled.   The ALJ discounted the testimony of the claimant and the opinion of claimant’s treating psychologist, finding that other medical evidence was more credible.   The […]

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New DOL Rules for ERISA Disability Claims

Jan 23, 2018 | Blog |

By: Stephen A. Jackson On January 5, 2018, the U.S. Department of Labor announced its decision for April 1, 2018, as the applicability date for employee benefit plans to comply with a final rule under the Employee Retirement Income Security Act (ERISA) that will give America’s workers new procedural protections when dealing with plan fiduciaries and insurance providers who deny their claims for disability benefits. The new rule ensures, for example, that disability claimants receive a clear explanation of why their claim was denied as well as their rights to appeal a denial of a benefit claim, and to review […]

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Physicians’ Guide to Disability Insurance

Jan 22, 2018 | Blog |

By: David A. Bryant Highly compensated professionals, physicians in particular, purchased private individual disability insurance en masse in the 1970’s, 80’s and 90’s. Agents selling Individual Disability Insurance (IDI) policies flooded the market as insurance carriers competed for market share of disability premium, fueled by attractive commission rates. This previously untapped disability market, represented hundreds of millions in potential annualized premium. High stakes competition for these premium dollars resulted in underpriced, benefit-rich disability insurance policies purchased by physicians and other professionals. The insurance companies were, and still are, ill-equipped to manage the downstream claims volume or incident rates as these […]

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The Long-Term Care Financing Crisis: GE Struggles With Reinsurance Obligations

Nov 20, 2017 | Blog |

Like Many Other Companies, General Electric Has Been Swept Up in the Long-Term Care Financing Crisis The costs of long-term care (LTC) for older Americans can be catastrophic, often reaching hundreds of thousands of dollars over the course of a lifetime.  While insurance carriers and corporations jumped at the opportunity to market LTC insurance products as a consumer safeguard in the 1980s and early 1990s, many of these companies are now finding themselves in a serious financial predicament.  Having sold billions of dollars in LTC products to consumers, these entities are struggling with how they are going to cover the […]

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Chicago Insurance Attorney David Bryant to Speak on Private Pay Options for Long-Term Care at Upcoming Illinois State Bar Association Program

Nov 20, 2017 | Blog |

Bryant Legal Group PC announces that Attorney David Bryant has been invited to speak at the Illinois State Bar Association, Elder Law Section Council’s fifth annual boot camp on April 26-27, 2018 in Chicago.  Attorney Bryant will discuss private pay options to cover the cost of home health care, nursing homes, assisted living facilities and other forms of care in the current long-term care environment. A member of the Illinois State Bar Association’s Insurance Law Section, David Bryant is the founding partner of Bryant Legal Group PC – a Chicago-based law firm focused on helping policyholders collect insurance coverage and […]

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Bryant Legal Group - Chicago Healthcare and Disability Attorneys

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"Mr Bryant, his partner Jennifer Danish and associate Steve Jackson were efficient, diligent and persistent towards finding a just resolution and favorable outcome for myself and my entire company."

"I used Jennifer Danish for a disability claim. Frustrated that I couldn’t get results myself I found her. She unearthed some issues my doctor did Not notify me of that affect the quality of my life. My end result was positive!"

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