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Info Library

Find answers to your disability claim questions.

Welcome to our Info Library.

The Info Library is a resource for people who have questions about disability insurance benefits, insurance companies, medical conditions, occupational demands, claims, appeals, and litigation.

Think of it as a practical guide to disability claims. Our goal is to explain common issues in clear, useful terms so you can better understand the process, the risks, and the decisions that may affect your benefits.

New articles are added regularly.

 

Category: Jobs - Traders

Hearing Loss Impairs a Wall Street Trader

Jobs Success Stories Traders Case Studies Trader

鈥淎rnold鈥 was a successful trader at a small brokerage firm reaping the benefits of a strong market. Unfortunately, Arnold was struck in the head during a mugging, and as a result suffered permanent left-sided hearing loss, including conductive as well as high frequency sensorineural hearing losses. Even though Arnold can hold a conversation with someone in a quiet room, he has tremendous difficulty hearing in a noisy environment such as a trading room. The insurance company  Arnold鈥檚 claim for long term disability benefits on the unscientific premise that his hearing deficit could be corrected by a hearing aid.

Riemer Hess commenced a lawsuit on his behalf in Federal court. The Firm prepared a detailed motion for summary judgment arguing that there was substantial scientific evidence establishing that a hearing aid would make Arnold鈥檚 hearing loss worse not better. Rather than opposing the Firm鈥檚 motion, the insurer approached the Firm for a settlement. A settlement was reached providing Arnold with a substantial lump sum payment.

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How to Prove a Trader is Disabled

Jobs Traders Trader

Trading is an intense, high-stakes profession that demands quick thinking, focus, and endurance. When illness or injury affects your ability to perform under pressure, it can become impossible to keep up with the fast pace of the markets. Unfortunately, disability insurers often overlook the mental and environmental challenges of trading, relying on narrow job definitions that don鈥檛 reflect reality.

Understanding how insurers define your occupation and how to clearly explain your actual duties is key to a successful long term disability claim.

Below we鈥檒l answer common questions traders have about securing long term disability benefits.  

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