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 […]
ERISA Disability
The one line appeal letter
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?
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?
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
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?
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?
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?
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?
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
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 […]
