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 …
Your Chances of Getting Approved for Disability Benefits
Your Chances of Being Approved for Disability Benefits
People often ask, “What are my chances of winning an administrative appeal directly with an insurance company in a long term disability claim? What are my chances of winning a lawsuit in a long term disability claim?” This is an impossible question to answer with certainty because of the number of factors that go into …
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Why It’s Important To Tell Your Story To The Long Term Disability Insurance Company
What Do We Mean by Your Story? When you’re going through the long-term disability application process the insurance company will typically send you an application that has a few pages of questions for you. One of the questions is, “What is it about your condition(s) that keeps you from being able to work?” There might …
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Why Is It So Hard To Win an LTD Claim?
When you’re denied long term disability benefits, you have to go through the administrative review process before going to court. What that means is you have to file appeals directly with the insurance company and be denied at all levels of those required appeals before you can go to court. The Court’s Review Process When …
Why is a “Day in The Life of” Video Important?
These are just some of the reasons why a “Day In The Life Of” video is so important to your long term disability claims and why we encourage you to go ahead and put one together and submit it during the appeal process. What Is a Day in the Life of Video? Do I Really …
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?
We are often asked, “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 …
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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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