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.  [...]

Should I hire an LTD Attorney?

By |2019-10-01T15:33:54-05:00September 16th, 2019|Blog, Long Term 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. There are many pitfalls a layperson can overlook to the [...]

Protecting Your Income Stream As A Part Of Your Long Term Disability Plan

By |2019-09-20T16:38:00-05:00September 9th, 2019|Blog, Long Term Disability|

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 [...]

Proving Disability to the Social Security Administration and Under a Short and/or Long Term Disability Policy

By |2019-10-01T16:32:17-05:00August 26th, 2019|Blog, Long Term Disability, Short Term Disability|

In this blog, we're sharing how to prove your disability to the Social Security Administration and what to do under a Short and/or Long Term Disability Policy. If you have become disabled from being able to work and the need to make a claim for benefits under Short Term, Long Term or Social Security Disability [...]

What NOT to Say To Your Long-Term Disability Insurance Claims Representative

By |2019-08-23T11:06:55-05:00August 19th, 2019|Blog, Long Term Disability|

There are many things you should not say to your Long Term Disability Insurance Claims Representative. Here's what to avoid in order to obtain a successful claim. An individual or group long term disability insurance policy is purchased to protect your financial well being when an injury or illness renders you unable to perform the [...]