Long-Term Disability Insurers Cannot Ignore, and Cannot Unreasonably Discount, the Subjective Symptoms of their Insureds

Short-term disability and long-term disability insurers very often deny claims for benefits by stating that the claimant’s alleged restrictions and limitations are not supported by the claimant’s medical records.  While a broad statement like this can mean a number of things, it often means that an insurer does not believe an insured’s complaints of pain …

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