ERISA Disability

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 […]

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 […]

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 […]

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 […]

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 […]

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 […]

You should not appeal your long-term disability denial letter without the assistance of an attorney. A qualified attorney 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 guy. […]

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 […]

If your insurance company denied your long-term disability benefits, you have to act fast. You need to move quickly and act fast. But the first thing you should do is always the same.  Keep in mind that ERISA Stands for Employee Retirement Income Security Act. It’s a federal act that governs all employee benefits so […]

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 […]