Waterfall of Health

Long-term disability claimants make perfect victims

July 23rd, 2007 by Richard Brassaw

A few years ago someone close to me became disabled. She had purchased a long-term disability (LTD) policy with CNA insurance and felt fortunate to have the policy. She was brought up with a strong work ethic, this, coupled with the fact that she immensely enjoyed her job, only increased the emotional pain of not [...]


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How ERISA makes your long-term disability policy worthless

July 23rd, 2007 by Richard Brassaw

Chances are if you have a long-term disability (LTD) insurance policy it falls under the Employee Retirement Income Security Act (ERISA) guidelines. If that is the case then know now that if you ever become disabled and file a LTD claim there is a chance you will be denied your benefits after a year or [...]


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Court of appeals sides with Vets in Agent Orange cases

July 22nd, 2007 by Richard Brassaw

The 9th U.S. Circuit Court of Appeals chastised the U.S. Department of Veterans Affairs for contributing substantially to our sense of national shame. The ruling agrees with the Veterans that they should receive retroactive disability benefits for those who contracted a form of leukmia after being exposed to Agent Orange. Also affected are Vietnam vets [...]


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Advice to doctors about their own disability insurance

July 22nd, 2007 by Richard Brassaw

This is a brief article on the importance of doctors purchasing their own disability insurance. It offers some good advice on what to look for in purchasing disability insurance and may be useful if you are in the market. In no way does Disability Happens endorse the insurance agency who prepared this article. Just thought [...]


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Veterans benefits vary by state

July 22nd, 2007 by Richard Brassaw

The Institute for Defense Analyses (IDA) has been asked by the Department of Veterans Affairs (VA) to help determine why veteran disability compensation payments vary from state to state. The study will continue IDA’s seven-year history of providing the VA with analytical analysis and support according to the Spring issue 2006, of IDA Research Notes, [...]


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Long-term disability insurance — fiction or fact?

July 20th, 2007 by Richard Brassaw

Benjamin W. Glass’ book Robbery Without a Gun, is a thin book as books go. Even though modest in length the message speaks volumes—and one that you should seriously consider getting your hands on if you have a long-term disability (LTD) policy or have recently become disabled. If you are someone who has never been [...]


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Can a whistle blower fund help stop bad faith insurance companies?

July 17th, 2007 by Richard Brassaw

Recent headlines report that a $9 million award was given to 52-year-old Patsy Bates. She had begun chemotherapy for breast cancer after undergoing surgery to remove a tumor. Her insurance company, Health Net, pulled the plug on her coverage half-way through treatment leaving her doctors no choice but to stop chemotherapy. At the root of Health Net’s [...]


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Veteran benefits determined by priority group classification

July 13th, 2007 by Richard Brassaw

In 1996 Congress passed the Veterans’ Health Care Eligibility Reform Act, which was designed to simplify the process of determining benefit eligibility. When applying for benefits, the first thing that happens is the eligibility of the Veteran. Next, a determination is made as to which of the 7 priority groups they will be assigned. Priority [...]


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Army opens $1.8 million PTSD center

July 11th, 2007 by Richard Brassaw

With nearly 17% of troops returning from Iraq and Afghanistan showing signs of suffering Post Traumatic Stress Disorder (PTSD) the Army has opened a 6,000-square-foot center at Fort Bliss. The Army says that the center has an unique approach because it treats both physical and mental ailments. The center’s goal is to remain ahead of [...]


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Media threat brings Veterans relief

July 11th, 2007 by Richard Brassaw

he Times-Picayune reports that 24-year-old Marine reservist, Ty Ziegel, lost most of his nose and both ears when an improvised explosive device (IED) exploded during his service in Iraq. It wasn’t until his third attempt to obtain the disability benefits he needs to survive that he told his case worker he was considering going to [...]


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