What does it mean to file a long-term disability claim? You may be wondering what it means to file a long-term disability claim, and when I talk about this, a lot of times people get confused with the difference between Social Security disability and long-term disability claims. One is governed by the Employee Retirement Income […]
ERISA Disability
Episode 007 – How to handle your money after you win your case
Show Notes: Thomas Road Baptist Church – Financial Peace University (Link No Longer Active) Total Money Makeover by Dave Ramsey (affiliate link) Retire Inspired by Chris Hogan (affiliate link) Everyday Millionaire by Chris Hogan (affiliate link) Dave Ramsey Podcast Short Video of Brandon and Kelly’s Financial Peace Journey: “My Road” with Brandon & Kelly Osterbind […]
When do you need to file for long term disability benefits
When should you file for long-term disability benefits? Well, the answer is simple, you have to look to your long-term disability policy for that answer. Then you’re going to have to do a little bit of math. Most policies require that you nail down what they call the date of disability. So once you figure […]
Why do most ERISA cases die in the court system
I get asked this question all the time, “Why do most claims die in the court system? Why is it so difficult to win your claim in the court system?” Well, to answer that question, I really need to back up and provide a bit of a framework for how the ERISA disability, long-term disability, […]
Why are most ERISA Disability claims denied
People ask me all the time, “Why do most claims get denied?” There are very simple reasons, very common reasons why many claims are denied by insurance companies. The most cynical explanation is that most insurance companies don’t expect people to file a proper appeal. So they’ll just stamp denied on the claim and just […]
What if you can do some but not all of your job
So what if you can do some parts of your job, but you can’t do all of your job? That’s a great question, and every insurance policy has a different definition for long-term disability. What does it mean to be disabled? Most policies have some definition that’s saying something to the effect of, that you’re […]
What is an ERISA Disability Statute of Limitations
One major area of our expertise is to help people whose long-term disability claims have been denied. It’s important to be aware of the statute of limitations and how it could apply in your ERISA long-term disability case. A statute of limitations is a period of time within which you have to file a federal […]
Why Do I Have to File For SSD After My LTD Claim Was Approved
A lot of people ask me, “Why do I now have to file for social security disability benefits after my claim is approved?” Well, the answer is simple. Your insurance company will require you to file your long-term disability or social security disability claim because the amount that you get from social security will offset […]
What is My Date of Disability And Why Does it Matter?
What is your date of disability and why is that important? This is a common question among people. Knowing the date of your disability will prevent any complications and make the process a bit easier. Make Yourself of Deadlines The first reason is there are a bunch of deadlines that are embedded in your long-term […]
Why is it Vital to Keep Your Doctor in the Loop with your Disability Claim
Why Is It Vital To Keep Your Doctor In The Loop With Respect To Your Long-Term Disability ERISA Claim? My name is Brandon Osterbind. I am an injury and disability attorney in Central Virginia and I help people whose long-term disability claims have been denied. And today, I want to tackle the question, “Why is […]
