You applied for long-term disability benefits through your employer’s insurance plan. You thought you had enough medical proof. Then, you got the letter. The insurance company denied your claim. Now you’re wondering what to do next—and how many chances you have to get this right. Let’s talk about how many times you can appeal an […]
ERISA Disability
Experienced ERISA Disability Lawyer? Why It Matters.
My name is Brandon Osterbind and I’m an experienced ERISA disability lawyer in Central Virginia. We help people whose long-term disability insurance claims have been denied by the insurance company. ERISA protects employee benefits, ensuring that long-term disability benefits are safeguarded. It also ensures that insurance companies adhere to transparency and accountability standards. And the […]
Best Long Term Disability Lawyers | Top Legal Representation for Disability Claims
Finding the best long term disability lawyers can make a significant difference in the success of your disability claim. In this guide, we will walk you through the key traits that set top disability lawyers apart. We will explain the importance of having a skilled attorney. And, we will describe what to expect throughout the […]
How long can I get long-term disability benefits for a mental illness?
This is one of the most common questions I get—especially from people whose ability to work is severely impacted by depression, anxiety, PTSD, or other mental health conditions. Sometimes, a client comes to me with a clear physical injury. Other times, it’s a psychiatric condition that’s just as disabling, if not more so. In either […]
How do you read a denial letter?
Denial Letter Meaning: How Do You Read It? “How am I supposed to read this denial letter? What is it saying? What does that mean? And what am I supposed to do with it?” These are some of the questions I often hear from my clients. A denial letter is a formal document that communicates […]
Could your ERISA lawsuit settle?
Understanding ERISA Disability Lawsuit Settlements: Could Your Lawsuit Settle? A common question that we hear often is whether an ERISA lawsuit can settle? Let’s dive into this scenario. First, you have applied for long term disability benefits and your denied claim has gone through the whole appeal process. You’ve put all the proper things in […]
Conflicts of Interest in ERISA Disability Appeals
ERISA Disability Appeals and the Conflict of Interest Problem: What You Need to Know If you’ve become disabled and have applied for long-term disability benefits through your employer’s disability plan, chances are you’ve encountered the frustrating process of denial and appeal. Employer-provided disability plans often fall under the Employee Retirement Income Security Act of 1974. […]
Long-term disability – What if my doctor thinks I can work?
Doctor Says I Can Work But I Can’t! Understanding Your Doctor’s Assessment When your doctor says you can work but you can’t, it’s essential to understand their assessment and the factors that influenced their decision. Your doctor’s evaluation is based on their medical expertise and the information you provided about your condition. However, it’s possible […]
What if I could do some parts of my job but not all of them?
You want to make a long-term disability claim? What if you can do some of the duties of your job, but not all of the duties of your job? Under most long-term disability benefit plans, you are still considered totally disabled if you can’t successfully complete all duties at your job. Now, why is that? […]
Can I sue my insurance company for denying my claim?
Often, my clients ask “Can I just sue my insurance company for not paying me what they owe me? Can I make them pay all the backpay? Can I make them pay my attorney’s fees? Can I make them pay interest on what they should have paid me before?” And it’s a short and a […]
