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 …
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 …
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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 …
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Start The Investigation Of Your Personal Injury Case As Early As Possible
The number one way that an attorney can make a difference is by starting the investigation of your case as early as possible. It is critical to explore the individual facts and circumstances of your case as early as possible. One of the most important things that needs to be done at the very beginning …
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An Attorney Can Help Locate All Defendants In An Injury Case
An experienced attorney can help you locate all defendants in the case. What do I mean by that? Sometimes, there is one defendant who was driving the car, who owned that car. There’s no one else responsible for the accident, so there’s only one person to identify. But, in some circumstances, there may be more than one …
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An Attorney Can Help Find All Appropriate Insurance Coverage
Most accidents are covered by insurance, because the reality is that most of the time the person who hit you, or who’s responsible for an accident, probably doesn’t have their own assets or enough money to fully compensate you for your injuries from the wreck. That’s why you really want to make a claim against the …
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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 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 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 …
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What The Social Security Administration Won’t Tell You About The Disability Application Process
When you apply for disability insurance benefits (DIB, also called SSDI or RSDI), Social Security does not tell you that you can (or should) hire a lawyer to assist you in your claim. You Have the Right to Representation From the Beginning The Ortiz Law Firm is a disability law firm that was founded by …