At this time of year, you may have a lot to be thankful for. Even if you have suffered a severe loss or other hardship this year, you can find comfort in giving thanks for what you do have and what you can expect in the following year. Cunnane Law of Edmonds’ personal injury lawyers would like to wish you a happy and safe Thanksgiving holiday and share with you the following list of five things for which we believe we may all be thankful this holiday: 1. Spending Thanksgiving with family and friends in a safe environment. Many factors...[ Read More ]

Fall and winter are wonderful seasons in Edmonds and the surrounding Seattle area. However, the wet and cold weather can sometimes lead to hazards and potential injuries. To help keep you safe this fall and winter, the personal injury experts at Cunnane Law want to share some helpful tips. Be Prepared for Snow Yes, it does snow in Seattle! While the snow is unlikely to linger around for long, it does make the roadways much more dangerous. That’s why the Washington State Department of Transportation urges everyone to prepare ahead of time by packing your car with everything you’ll need...[ Read More ]

It’s scary and distressing when you or a loved one gets injured in an accident. Your focus needs to be on yourself or a loved one’s recovery from injuries. You need to allow Cunnane Law’s personal injury lawyers in Edmonds make that situation less scary and difficult. What’s So Scary About a Personal Injury Case? The majority of organizations and individuals are covered by insurance against bodily injury claims. Insurance companies have a lot of expertise investigating claims against their policyholders and a lot of resources at their disposal to use against you. They frequently try to exploit accident victims who...[ Read More ]

In our last blog we listed long-term disability definitions from A – L. Here are some more definitions to help you understand the terminology used by insurers in your long-term disability policy. M Material Duty (or Duties) – Material duties are defined as the set of tasks or abilities required for your particular occupation. These are duties that cannot be omitted or changed without jeopardizing your ability to perform your job. Small differences in material duties can have a significant impact on whether you qualify for disability benefits. Maximum Capacity – The full utilization of the employee's abilities in any occupation that...[ Read More ]

If you have a disability claim, you're already at a disadvantage attempting to decipher 90% of the material you're now required to read, comprehend, and answer to. A glossary is required to make sense of the provisions of your long-term disability policy. This list of definitions of disability insurance terms will assist you. A Active Full-Time Employee – A full-time employee who works a regular workweek for a company is known as an active full-time employee. Active Work Requirement – To be eligible for disability benefits, you must be working at least the minimum number of hours per week as described in your...[ Read More ]

You may hear a lot of contradictory opinions as to whether you need a lawyer as you prepare to file a disability insurance claim. While you may be tempted to put off engaging an attorney, it is usually to your best advantage to speak with one before filing a disability claim, rather than afterward. You can make or break your disability claim based on your administrative record. The Employee Retirement Income Security Act of 1974 (ERISA), governs your claim if you file for employer-sponsored disability benefits. You have a limited amount of time under ERISA to submit supporting evidence for your...[ Read More ]

Though we have discovered so much about COVID-19, including how it spreads, how to combat it, and who is most at risk, we are only now beginning to comprehend the virus’s long-term effects on our bodies. Roughly 30% of coronavirus patients suffer from long-term COVID or post-COVID symptoms. If this is you, you may be eligible for long-term disability insurance benefits. COVID-19 has the potential to cause permanent damage and disability Most people with COVID-19 begin to feel better within a few weeks, but this life-threatening virus has a profound influence on the human body that we are only now...[ Read More ]

Filing your disability claim can be both a daunting and overwhelming process and once you have submitted your long-term disability claim application, waiting for disability approval or denial may seem like it takes forever. Fortunately Cunnane Law in Edmonds WA may be able to assist you. Here are some things that you can do to help speed up the approval process. Be Proactive When Supplying All Your Medical Records Because you are disabled due to injury or illness, the insurance company want to review your medical records. The more issues you have, the more records they will want to look...[ Read More ]

When filing a long-term disability claim with your insurance, you’re probably wondering how soon you’ll begin to receive your benefits. Unfortunately, there is no clear-cut answer as several factors must be considered. Generally the initial decision about your claim can take between 45 to 105 days. Here are some factors that can influence how long it will take and what you can do to speed up the claim approval process. Policy Elimination Period Firstly, the majority of disability insurance policies have an elimination period. This is the period from when you first became ill or injured until you start to...[ Read More ]

If your insurance company has denied your long-term disability claim, you should immediately hire a long-term disability lawyer. With their powerful legal team and endless resources, your insurance company will try and intimidate you into dropping your claim. This is a battle you should not even attempt to handle on your own. It is important that you choose the right disability lawyer for your case because it could impact the course of your future. Because it is such a vital decision you might find it somewhat overwhelming, especially when you already have so much to deal with. Here are some...[ Read More ]