Disability Insurance Law Blog
When Accidental Death Isn’t “Accidental”: How Insurers Use Policy Language to Deny AD&D Claims
On Behalf of Disability Insurance Law Group | | AD&D ClaimsAccidental Death and Dismemberment (AD&D) insurance promises financial protection after an unexpected tragedy. These policies are marketed as straightforward—if a person dies or suffers a serious injury due to an
Understanding the Timeline: What Happens After You File a Long-Term Disability Claim?
On Behalf of Disability Insurance Law Group | | Disability Insurance – General TopicsFiling a long-term disability (LTD) claim is a significant step toward securing the benefits you need to maintain financial stability during a serious medical challenge. But what happens next can
How to Respond to a Request for Additional Documentation During the LTD Review Process
On Behalf of Disability Insurance Law Group | | Disability Insurance – General TopicsIf you’ve filed a long-term disability (LTD) claim, receiving a request for additional documentation from the insurance company can feel both stressful and confusing. You may wonder what’s missing, whether
Five Key Mistakes to Avoid When Appealing a Denied Disability Insurance Claim
On Behalf of Disability Insurance Law Group | | Appealing A Claim DenialBeing told your disability insurance claim has been denied can be overwhelming and discouraging, but it doesn’t mean your case is closed. You have the right to appeal, and many
Do Pre-Existing Conditions Automatically Disqualify You from Disability Benefits?
On Behalf of Disability Insurance Law Group | | Disability Insurance – General TopicsIf you’re living with a chronic illness or long-standing medical issue, you may worry that your pre-existing condition could disqualify you from receiving disability insurance benefits. It’s a valid concern,
How Insurers Misinterpret Medical Evidence in Disability Claim Denials—and How to Fight Back
On Behalf of Disability Insurance Law Group | | Denied Disability Insurance ClaimWhen relying on disability insurance benefits, receiving a denial can be devastating, especially when the decision is based on an insurer’s misinterpretation or selective use of your medical evidence. Unfortunately,
Using Vocational Experts to Win Your Long-Term Disability Insurance Appeal
On Behalf of Disability Insurance Law Group | | Denied Long Term Care ClaimsWhen your long-term disability insurance claim has been unjustly denied, assembling the strongest possible appeal is crucial. One highly effective strategy for bolstering your appeal is using vocational experts. Vocational
Why ERISA Disability Claims Are Harder to Win: Preparing a Persuasive Case from the Start
On Behalf of Disability Insurance Law Group | | ERISAOur nationwide claims attorneys at Disability Insurance Law Group understand that disability claims governed by the Employee Retirement Income Security Act (ERISA) can be significantly more challenging than other disability
Overcoming the Bias: Fighting Disability Insurance Denials for Eating Disorders
On Behalf of Disability Insurance Law Group | | Denied Disability Insurance ClaimEating disorders are serious, often life-threatening conditions that profoundly impact individuals physically, emotionally, and socially. Despite being medically recognized illnesses, eating disorders—such as anorexia nervosa, bulimia nervosa, and binge-eating disorder—often
What Happens When Multiple Beneficiaries Claim Life Insurance Proceeds? Understanding Interpleader Actions
On Behalf of Disability Insurance Law Group | | Insurance Company TacticsWhen someone passes away, their life insurance benefits can provide critical financial support for beneficiaries. However, complexities can arise when multiple parties claim entitlement to the same proceeds. These conflicts