This is the core problem. Medical records are created so doctors can: They are not written to answer all disability insurance questions. Doctors usually do not document: Doctors are an essential part of the process (See Point 3), but without specific requests, their reports will not go as far as the insurance company demands. Those […]
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The Deadline That Actually Controls Your Virginia Car Accident Case
Most people injured in a car accident worry about the wrong deadline. They worry about the insurance adjuster’s deadline.The “final offer.”They worry about the warning that their window to settle is “closing.” But none of those deadlines are real, and none of them determines whether you still have the legal right to pursue your case. […]
What Insurance Companies Are Really Looking For in a Long-Term Disability Claim
When you file a long-term disability claim, you’re usually asking questions like: The insurance company is asking something very different. I’m Brandon Osterbind, an injury and disability attorney in Virginia. I help people whose long-term disability claims have been denied. And once you understand how insurance companies actually review disability claims, their denial letters start […]
Why Insurance Companies Use Fake Deadlines After a Virginia Injury Accident
You’re still in pain.You’re still treating.You’re still trying to make sense of what your doctors are telling you. And right in the middle of all of that, the insurance company calls, not to help, but to warn you that your time is “running out.” They tell you they’ll only cover treatment for a short period […]
What Happens If the Driver Who Hit You Has No Insurance in Virginia?
You can follow every rule and do everything right. Despite that, you can still find yourself seriously injured by someone who never should have been on the road in the first place. That’s a hard reality for many Virginians, and one that raises an important question: What happens if the driver who hit you has […]
Should I Talk to the Insurance Adjuster After a Virginia Car Accident?
If you’ve just been in a car accident, your phone is going to ring . . . and it will ring FAST. But the first call you get won’t be from your doctor or your own insurance company. It’ll be from the other driver’s insurance adjuster, sounding friendly, helpful, and concerned. They’ll say, “We just […]
How do you read a denial letter?
Denial Letter Meaning: How Do You Read It? “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. A denial letter is a formal document that communicates […]
Can they have a lawyer say untrue things 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 […]
What if you could not file your long-term disability claim because of the coronavirus?
Did you miss the claim submission deadline because of the coronavirus pandemic? As we all know, there has been a crazy time period that we’ve all experienced over the course of the last several months while we’re dealing with the coronavirus pandemic. Fortunately, for most people, the Department of Labor has extended or tolled any […]
When do you need to file your long-term disability application?
I get this question all the time, and people just need to know, “When do I need to file my long-term disability insurance application in order to satisfy any time limits in my policy?” Well, the simple answer is that every policy is different, and you have to know, based on your policy, when your […]
