If you’re dealing with a long-term disability claim and your doctor says you can work, but you know you can’t, you’re not alone. This is one of the most frustrating and misunderstood situations in disability cases. And unfortunately, it’s also one of the most dangerous for your claim. The Hard Truth About Disability Claims Let’s […]
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Will My Settlement Be Low If My Car Has Minor Damage?
If you’ve been in a car accident and your vehicle doesn’t look badly damaged, you might be wondering: “Does this mean my settlement will be low?” It’s a common concern, and one insurance companies want you to have. The Short Answer: Not Necessarily The amount of damage to your car does not automatically determine the […]
How to Appeal an ERISA Denial | The Secret to Why Most Appeals Fail
If your long-term disability claim was denied, your next question is probably: “How do I appeal an ERISA denial?” Most people think the answer is simple: But in ERISA cases, that approach is exactly why so many appeals fail. I’m Brandon Osterbind, a disability lawyer here in Virginia, and I help people appeal denied long-term […]
Should I Settle My Personal Injury Claim?
It’s one of the most common questions people ask after an accident: “Should I settle my personal injury case?” The short answer is: maybe, but not yet. Settling too early doesn’t mean resolution. Very often, it means you gave up value you didn’t even know your case had. Why Early Settlement Is So Tempting After […]
When Should I File a Long-Term Disability Claim?
You might be surprised to learn that most people don’t lose their long-term disability claim because they aren’t disabled. They lose it because they file too late, too early, or without understanding how the timing actually works. Timing in a long-term disability claim is not just a paperwork issue.It’s a strategy issue. And getting it […]
Should I Talk to the Insurance Company?
One sentence said to the wrong person can destroy your personal injury case before it ever really begins. Most people say it because they think they’re being helpful. They think they’re cooperating. They think they’re just explaining what happened. But insurance companies don’t need you to lie.They don’t need you to exaggerate. They just need […]
Social Security Disability vs. Long-Term Disability: Get the Benefits You Deserve
Most people think disability is disability. “If you’re approved for one, you’ll be approved for the other.” (That’s not true) And once you win, the hard part is over. (That’s ALSO not true) That assumption is dead wrong, and it’s one of the most expensive mistakes people make when dealing with disability benefits. We’ve represented […]
Can You Sue the Government in Virginia?
When someone gets hurt because of a government employee, or because a city, county, state, or even federal agency made a mistake, there’s a natural question everyone asks: Can I even sue the government? Most people assume the answer is no.They think the government is completely protected.They think it’s impossible. That’s not true. You can […]
Why Most Long-Term Disability Appeals Get Denied
One of the most common questions I hear is this: Why do most disability appeals get denied? Most people assume it’s because their condition isn’t serious enough, because the insurance company didn’t believe them, or because they filled something out wrong. But the real reasons are usually simpler . . . and much more frustrating. […]
Why Should I Not ONLY Submit Medical Records for My Long-Term Disability Claim?
This is the core problem. Medical records are created so doctors can: They are not written to answer all disability insurance questions. Doctors usually do not document: Doctors are an essential part of the process (See Point 3), but without specific requests, their reports will not go as far as the insurance company demands. Those […]
