Insurance companies often use “boilerplate” language when denying a long-term disability claim. Boilerplate language refers to a long-term disability denial letter that uses standard, pre-written language or a generic explanation rather than a detailed explanation specific to the individual’s claim. Boilerplate denials are often generic and do not provide specific information to explain why the …
Long Term Disability
Long Term Disability Insurance Policy Provisions – Part II
This is a continuation from Long Term Disability Policy Provisions – Part I. Long Term Disability Insurance – The “Maximum Benefit Period” Almost all long term disability policies stop paying benefits when you turn 65 years old, or when you reach the federal retirement age. This is often referred to as the “maximum benefit period.” …
Long Term Disability Insurance Policy Provisions – Part IIRead More
Long Term Disability Insurance Policy Provisions – Part I
Your long term disability (LTD) insurance policy probably reads like most insurance policies, meaning that it is long, confusing and full of industry-specific terms of art that you will have a hard time understanding unless you are a lawyer or insurance professional. In this article, I will explain some of the most important provisions found …
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Filing for Disability While A Jones Act Maritime Injury Case Is Pending
A question we often hear is “Can I file for disability if I have a pending Jones Act Maritime Injury Case?” The short answer is – yes, you can apply for disability benefits while your Jones Act case is ongoing. Offshore workers can apply for disability benefits while a Jones Act claim is pending. Applying …
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How To Collect Medical Records Without Breaking the Bank
If you are filing for disability benefits, you may need to obtain copies of your medical records to support your disability claim. Medical evidence is the most important part of a long term disability insurance claim or a Social Security Disability claim. However, obtaining these records can be a daunting task, especially if you’re seeing …
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What Is the Elimination Period in a Long Term Disability Claim?
If you’re looking into long-term disability or individual disability insurance, you may have come across the term “elimination period.” This is an important concept to understand as it can affect when you will receive benefits if you become disabled. In this article, we will explain what the elimination period in a long term disability claim …
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10 Tips to Maintain Approval of Your Long-Term Disability Benefits
You should not assume that the insurance carrier will continue to pay benefits indefinitely once your long-term disability claim is approved. Your disability insurance policy may state that benefits are payable until you reach retirement age. However, it does not guarantee that you will automatically continue to be eligible to receive benefits until then. Disability …
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Which Doctor Should You See to Claim Long Term Disability Benefits?
If you’re unable to work due to a disabling condition, you may be eligible for long term disability (LTD) benefits. However, obtaining these benefits is often a complex and challenging process. One of the key factors that can affect your chances of getting approved for long term disability benefits is the medical evidence that you …
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Can Your Long-Term Disability Insurance Company Force You to Use a Social Security Disability Claims Service?
If you’re applying for long-term disability insurance, you may be required to apply for Social Security disability benefits along with your LTD claim. You may even be offered the services of companies like Allsup and Advantage 2000 to assist with your claim. However, as a knowledgeable long-term disability/ERISA and Social Security Disability attorney, I strongly …
Can A Doctor Refuse To Fill Out Disability Forms?
When applying for disability insurance benefits, one crucial requirement is having medical evidence to support your claim. Your doctor may need to complete specific paperwork to support your claim, such as an Attending Physician’s Statement (APS) or Residual Functional Capacity (RFC) form. These forms detail your diagnoses, treatment, and any restrictions or limitations. However, some …