We appeal wrongful long term disability insurance denials.
What Do We Mean by Your Story? When you’re going through the application process the insurance company will typically send you an application that has a few pages of questions for you. One of the questions is, “What is it about your condition(s) that keeps you from being able to work?” There might be two …
Why It’s Important To Tell Your Story To The Long Term Disability Insurance CompanyRead More
When you’re denied long term disability benefits, you have to go through the administrative review process before going to court. What that means is you have to file appeals directly with the insurance company and be denied at all levels of those required appeals before you can go to court. The Court’s Review Process When …
What Is a Day in the Life of Video? Do I Really Need to Submit a Video? A “Day in the Life of Video” is critical for several reasons: First, we’re gonna talk about its role in the appeal process. This type of video is useful because it humanizes you. It allows the adjuster who’s …
At the end of the day, it is the claimant’s burden to prove that a physical or mental condition has so negatively affected the claimant that the claimant can no longer continue in his or her career. Proof of your disability may come in the form of objective evidence. Most insurance policies require proof of objective evidence before the …
This is an impossible question to answer with certainty because of the number of factors that go into the decision. These factors include, but are not limited to: your age, your education, your work history, your type of disabilities, and the medical evidence submitted in support of the claim. That being said, your chances of winning a long …
What Are My Chances of Winning a Long Term Disability Appeal?Read More
Your long term disability insurance is intended to be there to protect you in case you become disabled due to an injury or illness. You pay your premium so when you need to file a claim, you shouldn’t have a problem. However, the long-term disability insurance companies do not make money by paying out claims. They make …
Insurance Company Tricks And Tactics: What You Need To KnowRead More
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 …
Insurance companies approve many claims at the initial application stage. However, many claims are prematurely terminated or cut-off. Even if your Long Term Disability (LTD) claim is initially approved, your insurance company can terminate your monthly benefit payments for a number of different reasons. It is important to be familiar with the most common reasons …
Do Insurance Companies Deny Everyone the First Time They Apply?Read More
Under most long term disability insurance plans the insurance company has the discretion to interpret plan provisions. What that means is they have the right to review your case to determine whether you have satisfied the definition of disability. The long term disability insurance company does have the right to deny your claim. The approval …
Do I Have a Chance of Getting Approved for Benefits?Read More
Obviously, not all medical disorders are diagnosed with “objective” test results, which can make establishing disability with such conditions challenging. Take fibromyalgia, for example. You cannot take an x-ray of fibromyalgia and prove it with objective medical testing. Yes, the “pressure point test” is a traditional method of testing for fibromyalgia, but this test is primarily subjective (not …
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