How to Appeal a Long-Term Disability Denial

To appeal a long-term disability policy denial, you are going to use a 3-stage approach. You will gather your appeal documents and create a plan, research your policy, and finally assemble your appeal and send the documents to the insurance company. In this article, you will find all the steps you need to complete. However, [...]


10 Tips on How to Handle Your Appeal for a Long Term Disability Claim

If you have received a denial letter from your employer's long-term disability company or plan, here is what you need to know: 1) You typically have 180 days to appeal the denial. We say "typically," because some policies may limit your period for denial. You could have more, or less than, 180 days to appeal [...]


Why was my Long-Term Disability Claim Denied?

If your disability claim has been denied, it is likely because of one of two overarching reasons. The bad news is that some denials/terminations are for legitimate reasons and little can be done there. The other reason is for financial reasons. Some terminations are for legitimate reasons, examples include: Failure to satisfy contract conditions Not [...]


New ERISA Trend Alert: Using the Wrong Definition of Disability

This trick (or error) is showing up with increasing frequency. When you purchased your insurance disability policy (or when your employer did), they were essentially paying for a specific definition of disability. The term “disability,” or “disabled,”  is specifically, and carefully, defined in your contract. As such, that definition is of the utmost importance:  it [...]


Information You Need to Know about Fibromyalgia and Long-Term Disability

If you have a long-term disability claim involving fibromyalgia (or any other pain syndrome), then you need to read on.  Fibromyalgia, and pain claims are often the subject of extra scrutiny from disability insurers.  Here is why, and what you can do about it. Pain syndromes are relatively new medical diagnoses.  Not much is known [...]


What You Need to Know About Long-Term Disability Insurance Companies

Before you were injured or became too ill to work, you probably didn’t have a lot of concern about what would happen in this type of event.  You knew you had disability insurance through your employer, so you felt confident that you and your family would be protected.  If you have already been denied long-term [...]


Words You Don’t Want To See In Your Long-Term Disability Insurance Policy

Years ago, the United States Supreme Court made the decision to allow insurance companies to “reserve discretion” for benefits available under disability insurance plans sponsored by employers.  If you see the phrase, “we have discretion to determine benefits,” in your policy, you need to recognize that these are dangerous words. This discretionary clause often causes [...]


When “I Can’t Do My Job Duties” Isn’t Enough Under a Disability Insurance Policy

You would think that if you suffered an injury or illness and you could not perform the actual duties that your own boss required you to do that you would be able to recover under your employer’s long-term disability policy. Most employer-sponsored long-term disability policies aren't worth the paper they're printed on. Many will define [...]


Get Your Medical Records Before Filing for Disability

I'm surprised by how many people let the insurance company get their medical records before they look at the records themselves. You need to know what your doctors have actually said BEFORE you file for long-term disability benefits. There are many reasons it is better for you to review your medical records before you submit [...]


ERISA Disability Appeals – When Do You Get a Lawyer?

Long-term disability policies are confusing, even for some attorneys. It can be difficult to read between the lines, in fact, the language is meant to be hard to understand. Your employer's long-term disability plan documents may say this: “ERISA requires that you go through the Company's administrative review process before pursuing any legal action challenging [...]