Long Term Disability Archives

Is Traumatic Brain Injury Considered a Disability?
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Is Traumatic Brain Injury Considered a Disability?

Long Term Disability

Is Traumatic Brain Injury Considered a Disability?

By Herbert Hill|2025-06-17T11:11:53-04:00June 17th, 2025|Long Term Disability|

Is traumatic brain injury considered a disability? Learn how TBI can qualify for Long Term Disability and how a TBI Long Term Disability attorney can help you pursue the benefits you deserve. A traumatic brain injury (TBI) can be life-changing. Whether caused by a car accident, fall, or sports injury, TBIs often result in long-lasting [...]

Top 6 Appeal Tips When Your LTD Claim Is Denied
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Top 6 Appeal Tips When Your LTD Claim Is Denied

Long Term Disability

Top 6 Appeal Tips When Your LTD Claim Is Denied

By Herbert Hill|2025-05-12T09:23:11-04:00April 11th, 2025|Long Term Disability|

Dealing with a Long Term Disability insurance denial can be frustrating. Keep these tips in mind before starting an appeal. When a Long Term Disability (LTD) claim is denied, it can leave you feeling overwhelmed and unsure of what to do next. After months or even years of working hard and planning for the unexpected, [...]

How to Appeal a Back Injury Disability Denial
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How to Appeal a Back Injury Disability Denial

Long Term Disability

How to Appeal a Back Injury Disability Denial

By Herbert Hill|2025-04-11T16:43:25-04:00March 18th, 2025|Long Term Disability|

Dealing with a back injury and disability can be challenging. If your application has been denied, it is time to get help from an experienced Long Term Disability attorney. A back injury can be debilitating, making working and maintaining financial stability impossible. Unfortunately, securing disability benefits for a back injury is often challenging, as many [...]

4 Policy Traps That Can Deny Long Term Disability Claims
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4 Policy Traps That Can Deny Long Term Disability Claims

Long Term Disability

4 Policy Traps That Can Deny Long Term Disability Claims

By Herbert Hill|2025-06-12T12:00:50-04:00February 14th, 2025|Long Term Disability|

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 [...]

The Challenges of Proving Fibromyalgia in Long Term Disability Claims
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The Challenges of Proving Fibromyalgia in Long Term Disability Claims

Long Term Disability

The Challenges of Proving Fibromyalgia in Long Term Disability Claims

By Herbert Hill|2025-01-17T10:55:06-05:00January 30th, 2025|Long Term Disability|

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 [...]

3 Steps to Take if Your Sciatica Long Term Disability Claim Was Denied
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3 Steps to Take if Your Sciatica Long Term Disability Claim Was Denied

Long Term Disability

3 Steps to Take if Your Sciatica Long Term Disability Claim Was Denied

By Herbert Hill|2025-02-13T11:50:11-05:00December 30th, 2024|Long Term Disability|

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 [...]

When Should I Apply for Long Term Disability?
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When Should I Apply for Long Term Disability?

Long Term Disability

When Should I Apply for Long Term Disability?

By Herbert Hill|2024-12-16T10:11:52-05:00December 16th, 2024|Long Term Disability|

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 [...]

Do You Need Long Term Disability Insurance?
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Do You Need Long Term Disability Insurance?

Long Term Disability

Do You Need Long Term Disability Insurance?

By Herbert Hill|2024-12-16T10:13:35-05:00November 6th, 2024|Long Term Disability|

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 [...]

Does Long Term Disability Cover Mental Health
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Does Long Term Disability Cover Mental Health

Long Term Disability

Does Long Term Disability Cover Mental Health

By Herbert Hill|2024-10-15T10:06:29-04:00October 15th, 2024|Long Term Disability|

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 [...]

What Does Arbitrary and Capricious Mean? Case Study
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What Does Arbitrary and Capricious Mean? Case Study

Long Term Disability, Uncategorized

What Does Arbitrary and Capricious Mean? Case Study

By Herbert Hill|2024-09-12T07:24:09-04:00September 12th, 2024|Long Term Disability, Uncategorized|

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 [...]