Table of Contents Chapter 1: Is Your Disability Policy an ERISA Policy?Chapter 2: Appealing the Denial of Disability Insurance Benefits – ERISA PoliciesChapter 3: Non-ERISA PoliciesChapter 4: Exertion LevelsChapter 5: Understanding Your PolicyAbout the Author Introduction: Who Is This Guide For? Individuals who, due to illness or injury, can no longer continue to engage in …
Long Term Disability
How Many Appeals Can I File?
You should not give up if the insurance company denies or terminates your claim for long term disability (LTD) benefits. Most employees have disability insurance coverage through a group plan with a private sector employer. If your employer is large enough, or if you obtained your policy through an employee organization or union, then ERISA …
Long Term Disability Process With Our Firm
Our involvement in the long term disability (LTD) process typically begins in one of the following two stages: After a claim has been denied and the claimant needs to file an Administrative Appeal directly with the LTD insurance company; or When all administrative appeals have been exhausted and the only option left is a lawsuit …
Attorney Fees in a Long Term Disability Claim
One of the most common questions our office receives is: “How do attorney fees in a long term disability claim work?” I can certainly understand the reasoning behind the question. If one of the long term disability insurance companies has stopped your benefits (or never paid your disability insurance claims in the first place), then …
What is Doctor Shopping and How Can You Protect Yourself?
Doctor shopping is the practice of seeking out multiple doctors – often to either: (1) obtain a specific diagnosis or medication or (2) find one that agrees with you on your disability or illness. Doctor shopping is not just a practice that some patients participate in, but also the insurance companies. In this article, we …
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Your Chances of Being Approved for Disability Benefits
People often ask, “What are my chances of winning an administrative appeal directly with an insurance company in a long term disability claim? What are my chances of winning a lawsuit in a long term disability claim?” This is an impossible question to answer with certainty because of the number of factors that go into …
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Why It’s Important To Tell Your Story To The Long Term Disability Insurance Company
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 …
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Why Is It So Hard To Win an LTD Claim?
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 …
Why is a “Day in The Life of” Video Important?
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 …
Which Long Term Disability Cases Win?
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 …