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 [...]
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 [...]
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 are distinct claims that often get confused. If you are unable to work in your own or any occupation, it is crucial to understand that these benefits are separate and can be pursued accordingly. A claim for Social Security Disability benefits is made with the federal government [...]
Did you apply for Orlando 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 [...]
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 [...]
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 [...]
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. [...]
If you have been denied Long Term Disability benefits, you may be wondering whether to hire an LTD attorney to handle the appeal of that denial. While it is possible to handle the various appeals on your own, it is not advisable to do so. Here are some Q&As about the process and whether or [...]
Apart from physical assets, it is hard to think of anything more valuable than your ability to continue the income stream you have generated thus far in your career. Becoming disabled represents a major change in anyone’s financial plan. Often people correctly plan for this by ensuring they have an insurance policy secured either as [...]
