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One of the problems anyone who has filed a long-term disability insurance claim in Miami has had is proving disability. Oftentimes, insurance companies will try very hard to deny benefits by claiming an applicant is not disabled or by arguing that while the applicant may not be able to perform his or her old job, there are still things that he or she can do. Sometimes, insurance companies may deny someone their insurance claims because the company has said the individual is not permanently disabled. Working with a disability insurance attorney, however, may be one of the best ways to get the disability insurance benefits an applicant deserves.

The onset of a disability, whether sudden or gradual over time, can create a world of personal and financial worry. In addition to health costs, the potential for lost work income can quickly put a financially stable household in jeopardy. Fortunately, many disability insurance policies exist to offer aid in such moments of uncertainty and concern.

The U.S. Department of Health and Human Services has been over the numbers time and again, but it just won’t work. Last week, HHS Secretary Kathleen Sebelius told Congress that the Community Living Assistance Services and Supports program can never be actuarially sound. The insurance program was to have been established under the Affordable Care Act.

Florida has certainly seen its share of Unum lawsuits. The insurance company has a national, if not international, reputation for denying long-term disability claims to policyholders for no reason. Complaints specifically cite Unum for randomly denying claims in an effort to reduce the company’s exposure.

A Palm Beach County judge was faced with a terrible choice this week. A man who, according to police, had broken his father’s legs, wanted to go home. He didn’t want to miss Halloween, which was just a few days away, he said. He was clearly confused, and his actions showed he couldn’t control his emotions — but everyone there knew he wasn’t mentally ill. This man has a brain injury, and the judge knew that insurance companies and the state of Florida have failed people with a disability like his.