Learn what conditions qualify for Long Term Disability, how insurers evaluate medical evidence, and what to do after a denial. Understand your rights and next steps. Understanding which conditions qualify for Long Term Disability benefits can be overwhelming, especially when facing health challenges. Most insurance policies decide claims based on functional limitations, not diagnosis alone. [...]
Learn how pre-disability earnings affect your Long Term Disability benefits. Understand the calculation, what counts as income, and how to maximize your LTD claim. When you file a Long Term Disability (LTD) claim, one of the first questions your insurance company will ask is: What were your pre-disability earnings? This figure plays a significant role [...]
Personal accident insurance vs Long Term Disability insurance is a comparison many people explore when evaluating how to protect their income in the event of an injury or illness. While both offer important benefits, they serve very different purposes. Understanding the difference can help you choose the right coverage—or combination of coverage—to support your financial [...]
Who pays health insurance while on Long Term Disability? There are several potential scenarios, and the answer often depends on your employer’s policies, your group benefits plan terms, and whether you qualify for continued coverage under COBRA or another program. When someone becomes too sick or injured to work, Long Term Disability (LTD) benefits can [...]
One issue that has come up in recent cases more often is the Long Term Disability soft tissue limitations in LTD claims under the Employee Retirement Income Security Act ("ERISA"). Insurance companies are pressing a two (2) year limit on benefits in claims involving such medical conditions. If the limitation is in the policy, they [...]
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 [...]
Navigating the complexities of Long Term Disability (LTD) claims can be daunting, especially when facing an unexpected absence from work due to a medical condition. Seeking consultation from a Winter Park Long Term Disability attorney before initiating the application process can provide crucial insights into your rights and eligibility for benefits. I write about this [...]
A stroke can be a life-altering event, impacting one's physical health and the ability to work and maintain financial stability. For those facing the aftermath of a stroke, seeking Long Term Disability benefits under the Employee Retirement Income Security Act (ERISA) becomes a critical step in the journey toward recovery. In this blog, we'll explore [...]
Long Term Disability claims based on Celiac disease involve demonstrating the condition's impact on an individual's ability to work and perform daily activities. Our Rockledge Long Term Disability lawyer can help you through the claims process. Celiac disease is an autoimmune disorder triggered by ingesting gluten, a protein found in wheat, barley, and rye. The [...]
Listening is vital for respectful communication and empathy while understanding others is more valuable than seeking to be understood. Every Long Term Disability law firm should remember that. “...to understand rather than be understood...” The above comes from a prayer attributed to St. Francis. It is a great prayer that sets forth laudable high standards [...]
