What the Insurance Investigator Doesn’t Want You to Know During a long term disability case, it is common for the insurance investigator to request a “field interview”. First, they will call you and ask you casual questions about your health and your daily life. Do not be fooled! They are not calling to check on you because …
Long Term Disability
Residual Functional Capacity Forms: Download an RFC Form
In order to know whether you can perform your occupation (or any other work in the economy), the disability claims handler needs to determine your residual functional capacity (RFC). This is accomplished by having a doctor perform a residual functional capacity assessment and complete an RFC form. This form is also known as an Attending …
Residual Functional Capacity Forms: Download an RFC FormRead More
How to Write a Long Term Disability Appeal Letter & Why Most Appeals Suck
Why Most Long Term Disability Appeals Suck! When most people file a long term disability appeal it is a really basic, one or two paragraph appeal letter that basically says, “Look, long term disability insurance company. I really think you got this one wrong. I think there is more than enough evidence to support my …
How to Write a Long Term Disability Appeal Letter & Why Most Appeals SuckRead 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 with how to make ends meet during a period when they are disabled. Long term disability insurance …
Own Occupation vs. Any Occupation: What’s The Difference?
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 policy from a broker or an agent. However, the majority of the workforce is a part of a group policy provided through their …
Own Occupation vs. Any Occupation: What’s The Difference?Read 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” in this context. An independent medical evaluation (IME) is an exam conducted by medical professionals that are not associated with your case currently. The word independent is in quotes as we do not believe most of these …
An Independent Medical Examination (IME) by an Independent Medical PhysicianRead More
How to Appeal a Long Term Disability Denial: Tips for Your Appeal
Tips on How to Appeal a Long Term Disability Denial You should not give up if your claim for long term disability (LTD) benefits is denied. It is not unusual for an insurance company to deny disability claims, and most long term disability insurance policies require one or two internal administrative appeals. It may seem unlikely that the same …
How to Appeal a Long Term Disability Denial: Tips for Your AppealRead More
Long Term Disability After Two Years: Why Was My Claim Closed?
There is a reason that so many claimants are worried about their long term disability after 2 years of receiving benefits – the majority of long term disability insurance policies have some sort of provision which allows the insurance company to terminate certain claims after a 2 year period. Why Are Long Term Disability Claims …
Long Term Disability After Two Years: Why Was My Claim Closed?Read 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 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 …