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 […]
ERISA Disability
Stop Appealing Your Own Denial Letters
You should not appeal your long-term disability denial letter without the assistance of an attorney, a qualified attorney who knows how to appeal ERISA disability cases. Don’t hire a general practice attorney, a family law attorney, or some guy who represented you in a traffic ticket years ago and you thought he was a nice […]
What is the one obstacle you cannot overcome in a long-term disability claim?
What is that one obstacle that you simply cannot overcome in a long-term disability claim? The answer is lack of medical support. If you do not have medical support for your disability, you will not be able to win your long-term disability claim. Let’s imagine a scenario where you get a physical or mental condition […]
Wait, how many appeal do I have?
You’ve applied for long-term disability benefits, or maybe you were on long-term disability benefits and your claim or your benefits were terminated, and you have received what we call a denial letter. The denial letter is in hand and it says in the denial letter that you have 180 days to appeal. The question I […]
What is the first thing you do when you’ve been denied long term disability benefits?
Keep in mind that ERISA Stands for Employee Retirement Income Security Act. It’s a federal act that governs all employee benefits so if your employer has a long-term disability insurance plan and you get long-term disability insurance or you’re denied long-term disability insurance, then this federal act governs your plan. Part of that act is […]
The one thing the disability insurance company doesn’t want you to know
What is the number one thing the long-term disability insurance company doesn’t want you to know about your claim? You’re not going to believe it — The one thing the insurance company doesn’t want you to know about your long-term disability claim is that your medical records are not enough to prove your disability. Let […]
Episode 011 – Does Technology Really Make a Difference in an Injury and Disability Practice?
Show Notes: In this episode, Brandon Osterbind dives deep into the question that absolutely needs to be answered. At Osterbind Law, PLLC we talk a lot about using technology in our injury and disability law firm to help add value for our clients. In this episode, Brandon will explore What tools we use to make […]
Could your ERISA lawsuit settle?
A common question relates to the possibility of a settlement regarding an ERISA settlement. Let’s dive into this scenario. First, you have applied for long-term disability benefits and your claim has been denied, and you’ve gone through the whole appeal process. You’ve put all the proper things in your file, making sure everything is there […]
Can they hire a lawyer to say whatever he or she wants that’s not true in order to deny your claim?
The answer to that is simply yes, insurance companies can hire a doctor to say whatever the insurance company wants that doctor to say so they don’t have to pay your disability benefits. Is that fair? No. Can they do it? Yes, unfortunately. Beyond that, they can even require that you go see their doctor […]
How do you read a denial letter?
“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. If you’ve already filed your claim for long-term disability benefits and you have been denied, it’s important […]
