One issue I do not believe many claimants correctly understand is the issue of who has the burden of proving your Short Term Disability or Long Term Disability claim. The simple answer to this question is generally found in the insurance policy. My experience over the many years I have been handling these claims is that [...]
We routinely explain to our clients that their highest and best result is the primary goal when handling Long Term Disability claims. That result is to get the claimant on regular monthly checks. This is the result that is going to achieve the greatest financial benefit to the claimant. In addition, this is also the [...]
Once your Short Term Disability claim is approved, now what? We're sharing our experience with what comes next. So many people have been calling me seeking help on their Short Term Disability and Long Term Disability claims at a point in time when benefits have been approved. Usually, for some other reason, another issue has [...]
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 [...]
If you're looking to appeal a Long Term Disability Claim, it's important to be detailed and thorough. Here are six common mistakes you'll want to avoid. 1. Working Without A Copy Of Your Short and/or Long Term Disability Policy This policy may be requested from your Employer or insurance company at any time. In fact, [...]
If you have had disability benefits reinstated after a denial in ERISA-based disability benefits claim, either through a successful appeal or through the court system, there is nothing stopping the insurance company from once again denying your Long Term Disability claim. In fact, in the Eleventh Circuit, which includes Alabama, Florida and Georgia, your insurance [...]
