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 …
Long Term Disability
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 …
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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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 …
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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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 …
If I Refuse Surgery, Can I Be Denied Long Term Disability Insurance Payments?Read More
How Long Term Disability Insurance Companies Evaluate Chronic Pain in Disability Claims
Proving total disability and being approved for long term disability benefits because of a diagnosis of chronic pain or a pain disorder can be difficult because there are no specific criteria for approval. The insurance company must take your pain into account as long as you’ve been diagnosed with a physical or mental impairment, including subjective conditions such …
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