You work hard to support your family. If you suffer a devastating injury that takes away your ability to work, you’ll likely depend upon long-term disability benefits (LTD) to get your family through until you can get back to work. But sometimes the applications for...
How to increase your chances of winning an appeal
Finding out that your employer or the insurance company they work with denied your long-term disability claim can be devastating for many people suffering from an illness or recovering from an injury that affects their ability to work. Knowing what you need to appeal...
The role of medical evidence in disability claim appeals
The strength of your medical evidence can make or break your disability claim. Insurance companies and plan administrators heavily rely on medical documentation to assess the legitimacy and extent of your disability. When you receive a disability claim denial, you...
Are you being followed after you filed a disability claim?
Short-term and long-term disability policies exist for a reason. They’re supposed to provide workers with the means to retain their financial security after an injury or illness leaves them unable to work. Unfortunately, insurers are better at selling those policies...
Measuring a patient’s pain is an inexact science
Some individuals who are applying for disability benefits are dealing with chronic pain. This could be because of a distinct medical condition that causes pain, which may or may not be treatable. It could also be long-term pain from a past injury, such as nerve damage...
What if an ERISA disability benefits dispute goes to court?
Insurance companies that issue long-term disability policies governed by the Employee Retirement Income Security Act of 1974 (ERISA) have many responsibilities to policyholders. Insurance company employees generally need to act in the best interests of policyholders...
Long-term disability claims: How many times can I appeal?
If you are facing a long-term disability claim denial in California, you know how frustrating it is to go through that. However, there is additional knowledge you should have and resources you should consider. First, let’s go over what an appeal is. Simply put, if the...
What should you do when your disability claim is denied?
If you develop a physical or mental illness/ injury that prevents you from performing your job duties, you may be eligible for disability benefits. You can receive a percentage of your income for a particular period, allowing you to recover comfortably. However, your...
3 reasons an insurer may deny your LTD claim
If you put in a claim for long-term disability (LTD), it can be devastating to see it denied. Even though you may be able to appeal and eventually get the benefits you need, the wait could put you in a very difficult financial situation. On top of that, the stress and...
What if your LTD claim for an autoimmune disorder is denied?
Receiving a denial for a long-term disability claim can be disheartening. This may be particularly true for those who suffer from an “invisible” autoimmune condition that can be difficult to prove and even harder to live with. Autoimmune conditions often result in...