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. […]
ERISA Disability
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 […]
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 […]
Objective Evidence for Disability Claims
If you’re pursuing a long-term disability (LTD) claim, providing objective evidence for a disability claim is one of the most effective ways to establish your eligibility. Insurance companies like Hartford, Unum, Cigna, and Prudential look for solid, measurable proof to support your case. Let’s explore why objective evidence is essential and how you can use […]
How long should my long term disability appeal letter 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 a long term disability 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 […]
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 […]
