The Info Library is a resource for people who have questions about disability insurance benefits, insurance companies, medical conditions, occupational demands, claims, appeals, and litigation.
Think of it as a practical guide to disability claims. Our goal is to explain common issues in clear, useful terms so you can better understand the process, the risks, and the decisions that may affect your benefits.
New articles are added regularly.
As a CEO, your long term disability claim is rarely simple. Your compensation structure, ownership interests, and high level decision making authority create legal and financial complexities that do not exist in most disability claims.
Below we’ll answer the most common questions CEOs have about the long term disability claims process. Understanding how your policy works and how your insurer evaluates executive claims can help you better protect the benefits you have worked hard to secure.
Marketing executives operate in high pressure environments where strategic thinking, sustained concentration, and executive-level decision making directly impact revenue and brand performance. When a medical condition begins to interfere with your ability to lead teams, analyze complex data, manage budgets, or perform under constant deadlines, stepping away from your role can feel professionally and financially overwhelming. Understanding how long term disability benefits apply to marketing executives can help you protect your income and your rights.
Below, we address common questions marketing executives have about qualifying for and securing long term disability benefits.
As a financial manager, your career likely depends on sharp analytical skills, sound judgment, and the ability to handle high pressure financial decisions that directly impact your organization’s success. When a medical condition begins to interfere with your cognitive performance, stamina, or ability to manage stress, stepping away from work can be both professionally and financially daunting. Understanding how long term disability benefits apply to financial managers can help you protect your income and your rights.
Below, we address common questions financial managers have about securing long term disability benefits.
“Larry” was a senior manager at a major consulting firm. As a result of a series of major stresses in both his personal and professional life, Larry was hospitalized with major depression and suicidal ideation. When the insurance company denied Larry’s claim, Larry hired Riemer Hess to prepare an appeal.
The Firm submitted comprehensive letters from Larry’s treating psychiatrists, who opined that Larry was disabled from any occupation; detailed statements of Larry’s family and co-workers, corroborating his incapacity; and an in depth affidavit from Larry describing how depression slowly but surely made him unable to function and took away all joy in his life. The insurance company still denied Larry’s appeal, asserting that Larry did not submit objective proof of his depression even though it is well known that disability from depression cannot be demonstrated “objectively.”
Riemer Hess immediately commenced a lawsuit on Larry’s behalf in Federal Court. Our persistence eventually convinced the insurer to settle the case. Larry received a substantial lump sum settlement and can now get on with his life.
Riemer Hess LLC is a national disability insurance law firm based in New York City. Our practice centers on long term disability and individual disability insurance claims for claimants and plaintiffs, including ERISA group LTD policies and private IDI policies. We also handle select long term care and life insurance matters where our insurance claim experience can help protect clients’ rights to benefits.
For over 30 years, we’ve represented professionals and executives nationwide in disability insurance claims, appeals, litigation, and benefit protection. We’ve litigated more ERISA disability cases in the Southern District of New York than any other plaintiff’s LTD firm, and our attorneys authored ERISA Disability Claims and Litigation, a legal textbook published by James Publishing.
We are Preferred Attorneys to the Brain Injury Association of America and have handled over 100 traumatic brain injury long term disability matters. We regularly represent clients with TBI, neurological disorders, complex spinal conditions, chronic pain, and other serious medical conditions affecting cognition, mobility, stamina, pain levels, and the ability to sustain work.
We also collaborate with disability and health advocacy organizations, including the U.S. Pain Foundation, to provide educational resources on chronic pain and disability insurance claims.
Clients trust us for our empathy, responsiveness, legal skill, and focused experience in LTD and IDI insurance claims.
Riemer Hess LLC
110 East 42nd Street
Suite 1418
New York, New York 10017
Prior results do not guarantee future outcomes. Nothing on this website constitutes legal advice.
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