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Why Do I Have to Keep Filling Out Update Forms for My Orlando Long Term Disability Claim If My Doctor has Deemed Me Permanently Disabled?

By |2020-01-21T17:23:12-05:00January 20th, 2020|Blog, Long Term Disability|

If you’re having to continuously fill out an update form regarding your Orlando Long Term Disability claim, we’re sharing the reason why in the blog below. Clients often ask us about filling out update forms sent to them by their Long Term Disability insurance carrier after Long Term Disability benefits have been approved. Their doctors [...]

What is the Value of my Long Term Disability Case for Purposes of Settlement?

By |2020-01-17T09:48:05-05:00January 13th, 2020|Blog|

Once a Long Term Disability claim has been denied for the final time, or exhausted, a lawsuit may be filed. At this point in time, we begin to have serious discussions with our client regarding the actual value of their claim. This point is most often discussed in the context of a mediation, which is [...]

Social Security Disability Offsets

By |2020-01-17T09:47:44-05:00January 6th, 2020|Blog, Social Security Disability|

Under most Long Term Disability claims, claimants are required to apply for Social Security Disability benefits. The securing of Social Security disability benefits can be a long process. Most claims are denied at the application phase and after an appeal, as well. However, once these benefits are secured, generally they are deducted from the amount [...]

What is the difference between my “Own Occupation” and “Any Occupation” for Purposes of my Long Term Disability claim?

By |2020-01-17T09:48:19-05:00December 30th, 2019|Blog, Long Term Disability|

One question which arises all too frequently in a Long Term Disability claim is the definition of your “Own Occupation.” As you probably know, Long Term Disability benefits are unusually paid, at first, if you are disabled from your own occupation.  Thereafter, the question becomes whether the claimant is disabled from what is referred to [...]

Why is it so Painful to Deal with the Long Term Disability Insurance Company?

By |2019-11-21T15:48:27-05:00November 18th, 2019|Blog|

Wondering why it's so painful to deal with the Long Term Disability insurance company? We're sharing our experience with it below. One thing which positively drives people into my office is the manner in which Short Term Disability and Long Term Disability Claims Representatives treat claimants.  The reports I get from clients are astonishing.  It [...]

Social Security Disability and Long Term Disability Benefits

By |2019-11-21T15:39:53-05:00November 11th, 2019|Blog, Long Term Disability|

Although frequently confused, Social Security Disability and Long Term Disability benefits and the entitlement thereto are entirely different claims which can be pursued in the event you are no longer able to work in your own or potentially any occupation. A claim for Social Security Disability benefits is made with the federal government through the [...]

How long does LTD have to respond to my application?

By |2019-10-29T15:17:58-05:00October 21st, 2019|Blog, Long Term Disability|

Did you apply for LTD? We're sharing how long, on average, it takes for you to hear a response. After applying for or appealing a denial for Long Term Disability benefits, the wait to hear from the insurance company with a decision can seem like an eternity.  The insurance company is allowed 45 days to [...]

Could Hiring an Attorney Make the Difference in Your Claim?

By |2019-10-29T15:11:38-05:00October 14th, 2019|Blog|

Are you wondering if you need to hire an Orlando attorney to smooth the claim process? We're sharing the details below. At Herbert M. Hill, P.A., we hear it all the time. The insurance company is harassing you and making it impossible to meet the requirements of making a claim for Short or Long Term [...]

Disability Insurance Company Tools Which May Be Hurting You More Than Helping You

By |2019-10-01T16:51:06-05:00September 30th, 2019|Blog, Life Insurance|

The insurance company handling your Short Term Disability or Long Term Disability claim has many Disability insurance tricks up their sleeves disguised as efforts to help you which actually work against you and should be employed with eyes wide open.             Recently, a client came to us and was full of angst due to misinformation he [...]

Disability Travel Restrictions

By |2019-10-01T15:45:54-05:00September 23rd, 2019|Blog, Long Term Disability, Short Term Disability|

Wondering about disability travel restrictions? We've just learned of the new policies covering this topic. This blog is prompted by one of the most egregious clauses I have ever discovered in a Short Term Disability or Long Term Disability Insurance Policy.  Now, these policies in the past have addressed issues concerning travel while on disability.  [...]