"Richard Rizk is a client's hope — an honest, non-greedy, and very warm personable lawyer. He definitely knows the methods of powerful insurance firms and how to untie the knots they use to bind claims for no action."
Wed September 8, 2010, 11:27 am Once upon a time there was a long term disability claims examiner, “Charlie”. Charlie loved his job. Unlike many long term disability employers, “The Chevron” insurance enjoyed a good reputation sponsoring charitable events in the community. For years Charlie worked...... [read more]
Fibromyalgia Commonly Denied by LTD Insurers
Thu December 9, 2010, 7:35 pm
Something is physically wrong, but you aren’t sure what. You see doctor after doctor. Finally, a rheumatologist diagnoses fibromyalgia. The rheumatologist confirms that fibromyalgia interferes with your ability to work.
So, you file a disability claim with your...... [read more]
Long Term Disability Insurers Never Die
Thu December 9, 2010, 3:47 pm
Just like in the movie “Halloween”, long term disability insurers such as Unum, The Standard and Aetna….never die. Because, even after a disability claim is approved, long term disability carriers continue to “investigate”. But, their true aim is to...... [read more]
Long Term Disability Reimbursement Claims
Tue December 7, 2010, 1:07 pm You have a long term disability claim. But now the Long Term Disability Carrier or disability “Plan” seeks to recover from you outstanding medical costs… costs your disability insurer never fully paid in the first place.
On January 16, 2011 the United States...... [read more]
Long Term Disability “Catch-22”
Wed November 14, 2012, 5:30 pm If you have a Long Term Disability claim (LTD), you know that the disability insurer’s investigation never ends. And you may not understand why your LTD claims examiner is so interested in your other sources of income such as Social Security Benefits or workers’ compensation income....... [read more]
Long Term Insurers Couch Physical Disability as Mental Illness
Thu December 9, 2010, 3:02 pm
You have a significant physical disability such as cancer, M.S. or an injury. Because of your physical disability, you, understandably also suffer from depression or anxiety. A strategy of many private long term disability carriers is as follows: Couch the claim in terms of a mental...... [read more]
My Long Term Disability Insurer is so nice...not!!!
Wed September 8, 2010, 12:09 pm A familiar call: “Mr. Rizk, my long term disability insurer is so nice…it agreed to hire a social security law firm for me, get this, FOR FREE! I once thought insurers were mean, self interested…I was wrong…these guys really care.”
Reality:
Many long...... [read more]
New Website: http://www.mydisabilityappeal.com/
Sat February 12, 2011, 7:58 am I proudly unveil my new website, mydisabilityappeal.com. If you or someone you know has been denied long term disability benefits, mydisabilityappeal.com is a great resource for help and information.
http://www.mydisabilityappeal.com/...... [read more]
Oregon State Bar publishes Lawyer / Author Richard Rizk
Sun December 23, 2012, 9:55 am Oregon State Bar Bulletin, the monthly law magazine for Oregon attorneys has published “Long Term Disability Calls / Will You Answer?” by Portland based lawyer Richard Rizk. The piece illustatrates long term disability claim challenges then sets out...... [read more]
Representing Doctors, Dentists and Lawyers and CPAs
Fri March 2, 2012, 6:36 am Other injury attorneys sue physicians, dentists CPAs and other professionals. I fight for them…in the context of denied long term disability claims. I come from a medical family, Dad is a retired surgeon. Mom is a retired psychiatric nurse. I have seen Dad suffer though needless,...... [read more]
The Good, the Bad & the Ugly
Wed September 15, 2010, 7:16 pm The Good
Little Johnny held a dime in his small hand—hard earned from his lemonade stand. "Daddy, daddy I want to spend my dime on candy.", pleaded Johnny. “No, Johnny, let me teach you a lesson handed down to me by my own Pa when I was a little youngster like you. Take...... [read more]
What is a Physical Capacity Evaluation (PCE)?
Fri December 10, 2010, 8:20 am
A Physical Capacity Evaluation “PCE” (also known as a Functional Capacity Evaluation “FCE”, a Functional Capacity Assessment “FCA” or Work Capacity Evaluation “WCE”) consists of a battery of tests designed to determine ability to perform...... [read more]
What's the Deal with Allsup?
Tue September 21, 2010, 12:14 pm You are disabled. Your have a long term disability policy with a private insurer such as Aetna, Mutual of Omaha, Prudential The Standard or perhaps Unum. Your disability insurer may introduce you to a national law firm such as Allsup for the purpose of “helping” you obtain security...... [read more]
