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

Additional Parts Of A Claim That Do Not Happen in Every Case

Long Term Disability for School Board Employees: Fight a Non-ERISA Denial

If you are a school board employee, you are likely covered by your county’s short term disability (STD) and long term disability (LTD) insurance plan. Disability insurance coverage is available to most individuals employed by public schools, such as teachers and janitorial staff, although there are certain requirements (such as working a certain number of …

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8 Tips for a Long Term Disability Independent Medical Evaluation (IME)

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 …

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Field Interviews: How To Prepare & What To Do

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 they care. They are looking for inconsistencies in your …

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An Independent Medical Examination (IME) by an Independent Medical Physician

What is an Independent Medical Examination? First of all, we don’t like the use of the term “independent” when referring to a medical examination ordered and scheduled by a long term disability insurance company.  An independent medical evaluation (IME) is an exam conducted by medical professionals that are not associated with your case currently. The …

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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 long term disability insurance companies. In …

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US Circuit Courts of Appeals

Some long-term disability claims go to the US Circuit Courts of Appeals. The United States Courts of Appeals (or circuit courts) are the intermediate appellate courts of the United States federal court system. That means they are the level between federal district courts and the Supreme Court of the United States. A court of appeals …

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Types Of Surveillance in Long Term Disability Claims and How To Protect Yourself

We will look at the four types of surveillance and how to protect yourself. Type #1 Background Checks The hired investigator will dig into your background and put together a report for the insurance company. They will include things like: Where you live Who lives with you How many cars, boats, or homes you have …

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Social Media Accounts Are Being Used To Deny LTD Claims

Social media has become the way that we share our lives with the world. Long gone are the days of printing and mailing pictures to family and friends. Now, with the click of a button, you can share photos or even live stream videos on social media, which creates a way for families to stay …

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Long Term Disability Buyout Offers v. Settlement Offers

For the purposes of this article, we’re going to separate out long-term disability buyout offers and long-term disability settlement offers. Buyout offers are made by the insurance company while you are receiving long-term disability benefits. Settlement offers occur when you’ve been completely denied benefits and you’re trying to negotiate a settlement with the insurance company either right …

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Long-Term Disability for Multiple Disabilities

Are you suffering from multiple disabilities? You may think that if you are suffering from a set of combined aliments that your long-term disability claim should get approved even faster than if you only suffered from one ailment. But in fact, the opposite is true. When claimants for long-term disability for multiple disabilities, the insurance …

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