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

Long Term Disability

What Are My Chances of Winning a Long Term Disability Appeal?

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 …

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Insurance Company Tricks And Tactics: What You Need To Know

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 …

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Do Insurance Companies Deny Everyone the First Time They Apply?

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 …

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Do I Have a Chance of Getting Approved for Benefits?

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 …

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Your Credibility and Applying for Disability: How the Insurance Company Assesses Your Complaints

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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The Treating Physician Rule In Long Term Disability Claims

What – or who – is a treating physician? A treating physician is a medical doctor who provides medical treatment for you and has, or has had in the past, an ongoing relationship with you. There needs to be a history of treatment between the medical provider and the patient for the medical provider to be considered …

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Ten Traps That May Disable Your LTD Insurance Claim

The long term disability process can be long and frustrating. Having to speak to doctors, lawyers, and insurance representatives can be tiresome, especially if you are dealing with the daily frustrations of your disability. Developing and building a complete administrative file will help you build your long term disability case. We have some tips for …

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Residual Functional Capacity Forms: Download an RFC Form

In order to know whether you can do your job (or any other work in the economy), the long term disability (LTD) insurance company needs to know what you are still able to do (your “functional capacity”), after considering the effects of your disability (“residual”). For example, if you can still sit and type for …

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Mental Residual Functional Capacity (RFC): Download Assessment Form

In order to know whether you can do your job (or any other work in the economy), the Long Term Disability (LTD) insurance company needs to know what you are still able to do (your “functional capacity”), after considering the effects of your disability (“residual”). What Is Your Residual Functional Capacity (RFC)? To learn what …

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If I Refuse Surgery, Can I Be Denied Long Term Disability Insurance Payments?

If you avoid following your doctor’s treatment plan as prescribed (like refusing to have surgery), the insurance company may claim that you are refusing to do what you need to do to get better so you can work and deny your claim for that. However, you should not be denied for failure to comply for …

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