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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 physical work.…

Fibromyalgia Commonly Denied by LTD Insurers 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…

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…

In October 2010 Allstate Insurance agreed to pay a $10M settlement for improper use of a claim software known as “Colossus”. Colossus is is used by insurers to help analyze auto accident bodily injury claims. The Allstate settlement follows an 18 month…

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…

The GoodLittle 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…

“If the other guy was at fault in the accident, why should my insurance company pay for my medical bills and wage loss?” Good question! In Oregon as in many other states, a decision was made to provide medical insurance for everyone involved in a car…

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…