We appeal wrongful long term disability insurance and Social Security Disability denials.
There is no question that COVID-19 changed how we do business in America. Within three months, the increase in the number of companies that allow employees to work from home has been compared to a tsunami. So, where does this leave people with a disability? What will happen to the people who are in the …
Could COVID-19 Change How Disabilities are Treated in the Workplace?Read More
After being accused of denying rides to people with disabilities in violation of the Americans with Disabilities Act (ADA), the popular ride-sharing service Lyft has agreed to update its policies and procedures to prevent further discrimination against people using foldable or collapsible wheelchairs and walkers and ensure equal access to rides. As part of a …
Lyft Updates Policies Following a Dozen Disability Discrimination ComplaintsRead More
“My job is saying I must resign since I am filing for Long Term Disability and do not plan to return to work. Should I consider resigning due to a disability?” The simple answer is most likely “no.” In fact, if you resign, you will lose your long-term disability benefits altogether. Except for very few …
What No One Tells You About Resigning Due to a Disability and Stopping WorkRead More
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 …
A part of the long-term disability insurance claims process is to submit to an Independent Medical Evaluation (IME). Although you have been diagnosed with a disability by your doctor(s), the insurance company will want to obtain an “independent” evaluation of their own. But the doctors that are performing this “independent” evaluation are paid by the …
8 Tips for a Long Term Disability Independent Medical Evaluation (IME)Read More
What the Insurance Investigator Doesn’t Want You to Know During a long term disability case, it is common for the insurance investigator to request a “field interview”. First, they will call you and ask you casual questions about your health and your daily life. Do not be fooled! They are not calling to check on you because …
In order to know whether you can perform your occupation (or any other work in the economy), the disability claims handler needs to determine your residual functional capacity (RFC). This is accomplished by having a doctor perform a residual functional capacity assessment and complete an RFC form. This form is also known as an Attending …
Residual Functional Capacity Forms: Download an RFC FormRead More
When a long term disability claim is wrongfully denied or terminated most claimants are required to file at least one appeal. Before we get into how to write a long term disability appeal letter we’ll discuss what you shouldn’t do. Why Most Long Term Disability Appeals Suck! When most people file a long term disability …
How to Write a Long Term Disability Appeal Letter & Why Most Appeals SuckRead 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 to make ends meet during a period of disability. Long term disability insurance is supposed to provide …
Long Term Disability insurance policies are designed to help you financially when you are injured or out of work due to illness. If you are self-employed, you will purchase your long-term disability insurance policy from a broker or an agent. However, the majority of the workforce is a part of a group policy provided through …
Own Occupation vs Any Occupation: 2 Little-Known LTD Policy TermsRead More
823 E. Jackson St.
Pensacola, FL 32501
Monday - Thursday: 9:00 AM - 5:00 PM Friday: 9:00 AM - 2:00 PM