When most people file a long-term disability appeal, it is a really basic, one or two-paragraph appeal letter that says, “Look, long-term disability insurance company. I really think you got this one wrong. I think there is more than enough evidence to support my long-term disability claim. I want you to go back, take another …
Long-Term Disability
Should I File An Optional Long-Term Disability Appeal?
If your insurance carrier has denied or terminated your long-term disability claim, you should review your insurance policy to familiarize yourself with your appeal rights and requirements. Specifically, you should determine how many appeals you have the right to or are required to file before you can file a lawsuit against your insurer. Under the …
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How Am I Supposed To Get Medical Treatment Without Insurance Or Money For The Doctor?
The most common response I receive from my clients is, “How am I supposed to see a doctor or go to the hospital if I don’t have any money or insurance?” This is a valid point. In fact, lack of money or health insurance to see a doctor is a legitimate excuse for not seeking …
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What Is Doctor Shopping And How Can You Protect Yourself?
Doctor shopping is the practice of seeking out multiple doctors – often to either: (1) obtain a specific diagnosis or medication or (2) find one that agrees with you on your disability or illness. Doctor shopping is not just for claimants; insurance carriers have also been known to doctor shop. Understanding Doctor Shopping? When we …
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What Are My Chances Of Winning A Long-Term Disability Lawsuit?
People often ask us what the chances are that they will win a lawsuit in a long-term disability claim. It is impossible to answer with certainty because of the number of factors that go into the decision. However, we can speak from our firm’s own experience: First, we must clarify what we mean by “winning a lawsuit.” …
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Why It’s Important To Tell Your Story To The Long-Term Disability Insurance Company
When you’re going through the long-term disability application process the insurance company will typically send you an application that has a few pages of questions for you. One of the questions is, “What is it about your condition(s) that keeps you from being able to work?” There might be two lines for you to fill in why …
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Why Is It So Hard To Win A Long-Term Disability Lawsuit?
When you’re denied long-term disability benefits, you must go through the administrative review process. If your appeals are unsuccessful, the next step is to go to court. Winning an LTD claim in court can often feel like an uphill battle. In this post, we’ll delve into the reasons why winning an LTD claim in court is so challenging. When you …
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Why Your Long-Term Disability Appeal Should Include A “Day In The Life Of” Video
Creating a “Day in the Life of” video to submit with your long-term disability appeal can be crucial to the success of your claim. Documenting your challenges and limitations on video can effectively convey the reality of your situation to the disability insurance claims adjuster. What Is a Day in the Life of Video? A video can …
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What Are My Chances Of Winning A Long-Term Disability Appeal?
We are often asked, “What are my chances of winning a long-term disability appeal?” This is impossible to answer with certainty because of the number of factors that go into the decision. These factors include, but are not limited to, your age, education, work history, disabling medical conditions, and the medical evidence. RELATED VIDEO: What Are My Chances of Winning …
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Long-Term Disability Insurance Company Tricks And Tactics
When you file a long-term disability claim, remember that disability insurance companies are businesses looking to make a profit. These companies often use clever strategies to delay or deny your claim. If your insurance company has denied your claim, you should consider contacting a disability attorney. We have extensive experience with major disability insurance companies …
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