Insight Videos – Video FAQs
What Does ‘Disabled’ Mean?
What Does “Disabled” Mean? defines what it means to be legally disabled under insurance policies and Social Security rules. Eric Buchanan explains how insurers evaluate disability and which terms in policies matter most.
What Is Proof of Disability?
What Is Proof of Disability? outlines the evidence needed to support a claim. Eric Buchanan explains how medical records, functional tests, and other documentation can strengthen a disability case.
What Is ERISA?
What Is ERISA? explains the Employee Retirement Income Security Act and its impact on disability claims. Eric Buchanan shows how ERISA governs many policies and why it often makes challenging denials more difficult.
What Is an Overpayment?
What Is an Overpayment? discusses what happens when insurers claim they paid too much in benefits. Eric Buchanan explains how overpayments occur, what rights claimants have, and possible ways to resolve repayment demands.
What Is an Independent Medical Exam?
What Is an Independent Medical Exam? explores how insurers use IMEs to evaluate claims. Eric Buchanan explains who orders them, what they involve, and the risks claimants should watch out for.
What is a Closed Record?
What Is a Closed Record? explains the rule that limits evidence in ERISA cases once a claim goes to court. Eric Buchanan discusses how this impacts strategy and why it makes proving disability more difficult.
Social Security vs Long-Term Benefits
Social Security vs Long Term Benefits compares Social Security Disability with private long term disability insurance. Eric Buchanan highlights eligibility differences, overlapping issues, and common challenges when pursuing both.
What is the Standard of Review?
What Is the Standard of Review? eexplains the standards courts use to evaluate denials, including deferential review and abuse of discretion. Eric Buchanan shows how the standard of review can affect the outcome of a case.
Can an Ins Co Reduce My Benefits?
Can an Insurance Company Reduce My Benefits? looks at how insurers lower payments under offset provisions and policy clauses. Eric Buchanan explains when reductions are allowed and when they can be challenged.
How long do my benefits last?
How Long Do My Benefits Last? discusses how policies define benefit periods and what events trigger termination of payments. Eric Buchanan helps claimants understand when coverage may end.
ERISA LTD Deadlines
ERISA LTD Deadlines explains the strict time limits that apply to ERISA claims. Eric Buchanan highlights deadlines for filing, appealing, and bringing lawsuits, and warns how missing them can cost a case.
When to Get an Attorney Involved
When to Get an Attorney Involved explains the benefits of hiring an attorney early in the claims process. Eric Buchanan shows how legal help can strengthen claims, protect rights, and improve results at every stage.