The demanding pace of today’s workplace leaves little room for individuals whose ability to function is impacted by an illness or an injury, making long-term disability insurance more important than ever before. A CEO who once would have devoted one afternoon a week to playing golf, hosting long business luncheons and enjoying a leisurely pace of decision making in the 1950s would be out of a job in less than two minutes today.
Many long-term disability insurance disputes, in both the ERISA appeals process as well as litigation, involve the use of outdated or incomplete occupational guidelines by insurance companies. We often find ourselves reading occupational handbooks that date back several decades, with descriptions of occupations that no longer exist or that have changed dramatically since they were published.
We have represented many different occupations. Each occupation presents its own challenges.
