We appeal wrongful long term disability insurance and Social Security Disability denials.

Dawn Keller

Denied Disability for Mental Illness: Common Reasons Why

Why does mental illness present special obstacles in getting a claim for Social Security disability benefits approved? In sum, a lack of mental health treatment or treatment notes, not taking medication, and having an episodic illness are the most common reasons mental illness Social Security disability claims are denied.  The following assessment goes into a …

Denied Disability for Mental Illness: Common Reasons WhyRead More

How to Improve Your Chances of Getting Disability

In a perfect world, anyone who suffers from a physical or emotional disability would have the resources to seek treatment and provide for themselves without supplemental income. But since we live in the real world, many people struggle to make ends meet during a period of disability. Long term disability insurance is supposed to provide …

How to Improve Your Chances of Getting DisabilityRead More

Own Occupation vs Any Occupation: 2 Little-Known LTD Policy Terms

Long Term Disability insurance policies are designed to help you financially when you are injured or out of work due to illness. If you are self-employed, you will purchase your long-term disability insurance policy from a broker or an agent. However, the majority of the workforce is a part of a group policy provided through …

Own Occupation vs Any Occupation: 2 Little-Known LTD Policy TermsRead More

An Independent Medical Examination (IME) by an Independent Medical Physician

What is an Independent Medical Examination? First of all, we don’t like the use of the term “independent” when referring to a medical examination ordered and scheduled by a long term disability insurance company.  An independent medical evaluation (IME) is an exam conducted by medical professionals that are not associated with your case currently. The …

An Independent Medical Examination (IME) by an Independent Medical PhysicianRead More

When You Have One Mandatory and One Optional Appeal After a Denial or Termination of Benefits

The long term disability appeal process begins after an LTD claim has been wrongfully denied or terminated. LTD claims are most often cut-off after 24 months when the definition of “total disability” under the policy changes from “own occupation” to “any occupation.” If you have been denied benefits, you should review your insurance policy to determine …

When You Have One Mandatory and One Optional Appeal After a Denial or Termination of BenefitsRead More

When Only One Appeal is Available After a Denial

The long-term disability appeal process begins after an LTD claim has been wrongfully denied or terminated. LTD claims are most often cut-off after 24 months when the definition of “total disability” under the policy changes from “own occupation” to “any occupation.” In other instances, LTD claims have been terminated after the insurance company conducts video …

When Only One Appeal is Available After a DenialRead More

When You Have Two Mandatory Appeals After An LTD Denial

The long term disability appeal process begins after an LTD claim has been wrongfully denied or terminated. LTD claims are most often cut-off after 24 months when the definition of “total disability” under the policy changes from “own occupation” to “any occupation.” If you have been denied benefits, you should review your insurance policy to determine …

When You Have Two Mandatory Appeals After An LTD DenialRead More