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ERISA Disability

Can I sue my insurance company for denying my claim?

10 Oct 2021

sue my insurance company

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 […]

The one line appeal letter

21 Sep 2021

Most people have a long-term disability insurance policy carried by an employer that ensures you, as the employee – in the event that you’re unable to do your job anymore or in the event that you are no longer able to do any job – So, you apply for long-term disability benefits and your claim […]

What if I could do some parts of my job but not all of them?

14 Sep 2021

So 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?  First, what is the definition of “disability”? […]

Long-term disability – What if my doctor thinks I can work?

7 Sep 2021

Often, when working on cases with medical evidence, it’s common to come across a situation where the treating doctors don’t think the client is actually disabled. Unfortunately, that is a problem for all of these long-term disability claims. The reason is if your treating doctor doesn’t certify your disability, then no insurance company is going to […]

The best evidence you can submit for a long term disability claim

1 Sep 2021

Whether it be the Hartford, Unum, Cigna, Prudential, all of the different insurance companies who are considering these claims and write these insurance policies, the best piece of evidence that you can have for a long term disability claim is objective testing. Now, does every policy require objective testing? No. Does that mean that the […]

How long should my LTD appeal be?

27 Aug 2021

long term disability appeal letter

One situation I see a lot of is people who come into my office, or who I meet with virtually, and they’ve already done an appeal letter, or they’re thinking about doing an appeal letter. I had one lady who even said, “Can you review my draft appeal letter and let me know what you […]

What are my chances of winning my long-term disability appeal?

21 Aug 2021

The potential success  of long-term disability is usually one of the first curiousities from my clients. It’s a legitimate worry. People are nervous and potentially literally can’t work, but they got denied and fear they may have to work despite their disability. What information is needed  to determine the chance of success? Several pieces of […]

How does your ERISA long-term disability lawyer get paid?

15 Aug 2021

How does your ERISA long term disability lawyer get paid?

You may wonder, “How does your ERISA long term disability lawyer get paid in these ERISA disability cases?” Now think about this— person who is not able to work because of a physical or mental disability and they’re not bringing in any income, but they’ve got this long-term disability insurance policy that promises to pay […]

How long can I get long-term disability benefits for a mental illness?

7 Aug 2021

How long can you get disability benefits for depression or anxiety or other mental illnesses? Sometimes I’ll have people come to me with a physical disability, and other times I’ll have people come to me with more of a mental illness type disability that is significantly affecting their ability to live life and to do […]

How to embarrass the long-term disability insurance company

16 Feb 2021

long term disability denial

Insurance companies are sending out long term disability denial letters at breakneck speed. What is the one thing that the insurance company would actually be embarrassed about? So embarrassed that it will literally make them red in the face, if they knew that you knew this ONE thing? We’ve talked about it in several other […]

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Related Blogs

  • Can I sue my insurance company for denying my claim?

    10 Oct 2021

    Often, Read More

  • The one line appeal letter

    21 Sep 2021

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  • What if I could do some parts of my job but not all of them?

    14 Sep 2021

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Case Results

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Client Reviews


Brandon and his team at Osterbind Law are truly peerless. This is exactly how a modern personal injury firm should operate. The firm is holistic in its approach and thoughtful. It's no wonder why they get such great results for their clients. And no surprise, their clients love them. I've had the pleasure of working with Brandon on a professional level and he levels up, big time. Kudos.
Nathaniel Amendola
3 months ago

Very compassionate and knowledgeable people who helped us with our situation. They worked quickly and I can’t tell you how grateful I’m they were so caring. I would recommend this firm to anyone that anyone
Lori Rudder
a year ago

The entire team at Osterbind Law are incredible. They communicated with us with every step and process that was happening . They provided the knowledge, support, and empathy to us on the case. And when the curve ball was thrown, they dug in deeper. I have nothing but the highest respect for Brandon and Hannah and the entire team. They made us feel more like a family, than a client.
Wendy Shull
a year ago

The staff is caring and very knowledgeable. They help you as quickly as possible, and worked very hard for us. I'm so pleased with the way they assisted us.
Meghan Rudder
a year ago

Brandon and his team did a great job helping me through my case. I'm so glad I chose him and stuck with him through the transition to his own firm. The staff is very knowledgeable and friendly. They feel like family after all this! Thank you for everything!!Amber J
Amber Higby
2 year ago
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