War veterans who suffer physical and emotion illness frequently suffer financial hardships due to their inability to find suitable employment. Veterans Affairs (VA) offers substantial medical services and benefits to those who have suffered a disability. Unfortunately, the VA disability benefits can serve as an incentive to commit fraud and abuse. Psychiatric disabilities, like Post Traumatic […] Read more

You have probably seen surveillance footage of a fraudulent disability insurance claimant who claims to have a bad back, but is caught on camera lifting a heavy carton. What the cameras do not show is the legitimate disability claimant who is denied benefits by their insurance company. Unless you know someone personally who has been […] Read more

Karen Kaplan’s August 18, Los Angeles Times article, U.S. military practices genetic discrimination in denying benefits, tells how the U.S. Military denies disability benefits to both active and veteran military personnel. The problem began in 1999, when the Office of Management and Budget (OMB) decided that soldiers with a genetic predisposition for a disease will be denied benefits for […] Read more

The U.S. Government Accountability Office (GAO) provides the most recent reports and testimonies related to military and veteran’s health care and disability benefits issued since March 2003. Currently there are 28 items listed related to veterans disability benefits. GAO Findings and Recommendations Regarding DOD and VA Disability Systems GAO-07-906R, May 25, 2007 Abstract   PDF    Veterans Benefits […] Read more

Fight Bad-faith Insurance Companies (FBIC) is an excellent site on getting the low-down on your insurance company. In previous posts it has been mentioned that there are no Federal or State laws that specifically regulate insurance policies. Sure, there are rules and regulations on how insurance companies conduct business, but when it comes to how […] Read more

Veterans Adminstration (VA) Secretary Jim Nicholson has been accused by injured Iraq war veterans of denying them benefits. The class action suit was filed on behalf of hundreds of thousands of veterans. Attorneys filing the class action said that the objective is not monetary. What they want is for the VA to provide the mental […] Read more

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 […] Read more

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 […] Read more

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 […] Read more

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 […] Read more