If you have a pre-existing health issue, you may wonder can Long Term Disability be denied for pre-existing conditions. Our team breaks down some policy traps that you should be aware of. Long Term Disability (LTD) insurance provides financial protection when an illness or injury prevents you from working. However, many policyholders face unexpected denials [...]
Why are fibromyalgia Long Term Disability claims often denied by insurance companies? An experienced LTD attorney can help you navigate the claims process and increase your chances of receiving the benefits you are entitled to. Fibromyalgia is a medical condition that causes chronic pain, fatigue, and cognitive challenges, making it difficult or impossible for many [...]
One issue that has come up in recent cases more often is the Long Term Disability soft tissue limitations in LTD claims under the Employee Retirement Income Security Act ("ERISA"). Insurance companies are pressing a two (2) year limit on benefits in claims involving such medical conditions. If the limitation is in the policy, they [...]
Sciatica is a painful and debilitating condition that can make working or performing daily tasks nearly impossible. If your Long Term Disability for sciatica claim has been denied, you still have options. For those affected by this health issue, Long Term Disability benefits are often essential for maintaining financial stability. Unfortunately, insurance companies frequently deny [...]
Asking, "When should I apply for Long Term Disability?" is a common concern. We provide the experienced guidance you need to make this critical decision and navigate the claims process effectively. At Herbert M. Hill, P.A., we are one of the few law firms dealing specifically with the questions arising when deciding to apply for [...]
Have you been asking the question, “Do I need Long Term Disability insurance?” While it may seem like an optional expense, this insurance offers crucial support in case of an unexpected injury or illness. When considering your health and income protection, it is essential to understand the role of Long Term Disability (LTD) insurance. Unlike [...]
Many employees may wonder, does Long Term Disability cover mental health? The short answer is yes, in many cases. Long Term Disability (LTD) insurance policies often provide coverage for mental health conditions like anxiety, depression, and other psychiatric disorders. However, understanding how this coverage works and navigating the claims process can be challenging for employees [...]
When dealing with insurance claims, terms like arbitrary and capricious can become a focal point, especially in legal disputes over benefit denials. But what does arbitrary and capricious mean? These words refer to decisions made without a reasonable basis, often ignoring key facts or misinterpreting relevant information. In disability claims, an arbitrary and capricious decision [...]
Dealing with Long Term Disability and termination of employment can be both challenging and overwhelming. If you lose your job while applying for Long Term Disability benefits, understanding how this impacts your benefits is essential. Whether you are terminated during the claims process or if your job loss occurs because you are filing a claim, [...]
When dealing with ERISA denial of benefits claims, it is crucial to understand why these claims are rejected and how to prevent them. Navigating the complexities of ERISA (Employee Retirement Income Security Act) can be challenging, and claim denials can leave individuals without the benefits they are entitled to. Here, we will explore the top [...]
