Back conditions are one of the kinds of conditions that we see in our law practice with the most frequency. We're sharing what this kind of condition can mean for LTD claims. Often times, the exact nature of a back condition can be misconstrued by insurance companies working to find a reason to deny your [...]
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?
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 difference between my “Own Occupation” and “Any Occupation” for Purposes of my Long Term Disability claim?
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 [...]
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 [...]
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 [...]
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. There are many pitfalls a layperson can overlook to the [...]
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
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 [...]
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 [...]