Disability Insurance Law Blog
How Disability Insurance Works for Lawyers and Other Licensed Professionals
On Behalf of Disability Insurance Law Group | | Licensed professionalFor lawyers, doctors, accountants, and other licensed professionals, a disability can disrupt not only personal health and financial stability but also years of education, training, and reputation. When illness or
How to Read and Understand Your Disability Insurance Policy
On Behalf of Disability Insurance Law Group | | Disability Insurance PolicyDisability insurance is designed to provide financial protection when an illness or injury prevents you from working. Yet the same policy that promises peace of mind can become a source
The True Cost of Insurer Delays in Disability Claims
On Behalf of Disability Insurance Law Group | | disability insurance claimWhen you file a disability insurance claim, you expect a timely decision. After all, disability benefits are meant to provide financial stability when illness or injury prevents you from working.
When to Hire a Life Insurance Attorney: 5 Red Flags You Shouldn’t Ignore
On Behalf of Disability Insurance Law Group | | Life InsuranceLife insurance is meant to bring financial stability after loss, not added stress. Yet when an insurance company delays payment, disputes a beneficiary, or launches an investigation, families often find
Why It’s Critical to Hire an Attorney Before Appealing a Denied ERISA Claim
On Behalf of Disability Insurance Law Group | | Denied ERISA ClaimsIf your long-term disability claim has been denied under an employer-sponsored plan, you are not alone. Thousands of employees each year receive denial letters under ERISA — the Employee Retirement
Disability Claims After Job Loss or Layoff: What Happens When Work Ends Before Benefits Begin
On Behalf of Disability Insurance Law Group | | Appealing A Claim DenialJob loss and layoffs create uncertainty for anyone. When a disabling illness or injury occurs at the same time, the situation becomes even more stressful. Many employees do not realize
The Biggest Mistakes Long-Term Disability Claimants Make When Completing Daily Activity Questionnaires
On Behalf of Disability Insurance Law Group | | Long-Term Care InsuranceDaily Activity Questionnaires are among the most underappreciated tools insurers use when evaluating long-term disability claims. These forms appear simple, but insurers rely on them to look for inconsistencies, minimize
Why You Should Never Call the Insurance Company Before Speaking With an ERISA Attorney
On Behalf of Disability Insurance Law Group | | UncategorizedMany claimants believe the first step after receiving a denial letter or experiencing problems with their long-term disability claim is to call the insurance company for clarification. It feels natural
Five Documentation Errors That Trigger Life Insurance Investigations
On Behalf of Disability Insurance Law Group | | Documentation for Life InsuranceLife insurance companies closely examine every detail of a claim before approving benefits. When something in the paperwork does not align with medical records or the policyholder’s history, the insurer
When a “Pre-Existing Condition” Is Not Pre-Existing: What the Eleventh Circuit’s Johnson Decision Means for Disability Claimants
On Behalf of Disability Insurance Law Group | | Disability Insurance – General TopicsIn late 2025, the Eleventh Circuit issued a significant decision that reshaped how disability insurers must interpret pre-existing condition exclusions in ERISA-governed long-term disability policies. The ruling in Johnson v.