As chronic mental health disorders gain more legitimacy, people who suffer from especially crippling conditions are applying for long-term disability in greater numbers. The insurance industry often lags behind medical opinion but filing a successful long-term mental...
How your social media posts can hurt your disability claim
The popularity of social media has been a gift to insurance companies. Now, they can gather enough detail to deny your disability claim in just ten minutes of scrolling instead of a week or more of surveillance. Even one innocuous social media post can be ammunition...
Tips for writing an ERISA appeal letter
A denial of long-term disability benefits can be a convoluted nightmare. But there is one part of this nightmare that you should approach with the mental clarity necessary to obtain your benefits: The appeal letter. Writing an effective letter of appeal is like...
You received a denial letter. Now what?
It can be both stressful and disheartening if your employer’s insurance company denies your claim for long-term disability benefits. Through this time of high anxiety, you must remember that you have the right to appeal this denial. However, before beginning the...
Frequently asked questions about ERISA disability claims
The federal Employee Retirement Income Security Act (ERISA) is in place to protect employees’ rights to receive disability benefits from private employers when they need them the most. But long-term disability claims are consistently denied by insurers for several...
3 reasons why long-term disability claims for fibromyalgia are denied
If you suffer from fibromyalgia, you know: This is a serious, debilitating condition. Widespread pain, loss of sleep, fatigue and serious emotional stress are all common symptoms and side-effects of fibromyalgia, as noted by the CDC. Although fibromyalgia is serious,...
How can you appeal your group disability claim denial?
If your employer provided disability insurance carrier has denied your claim, the results could be disastrous. Assuming you have a valid claim, and you truly are suffering from a long-term disability, you need those benefits. They might be the only means you have of...
Does emotional capacity matter in long-term disability claims?
It is all but common knowledge that group insurance carriers tend to delay and deny long-term disability claims. When even the most obviously valid claims can present difficulties for policyholders, claims involving less clear-cut illnesses like post-traumatic stress...
The importance of medical treatment and recordkeeping in long-term disability claims
If you have been reading our blog or our website, you probably have some understanding of the importance of getting a quality medical care and recommendation as part of a long-term disability insurance application. Group insurance benefit providers do not like to pay ...
How can you obtain long-term disability benefits for PTSD
If you have suffered from post-traumatic stress disorder (PTSD), you know how difficult this illness can be. Due to the serious symptoms that come with PTSD, you might be unable to function at work. One of the most significant problems PTSD sufferers can face is the...