Disability Insurance Law Blog
Why the Administrative Record Can Make or Break an ERISA Disability Case
On Behalf of Disability Insurance Law Group | | disability insurance claimWhen an ERISA long-term disability claim reaches court, many claimants assume they will finally have the opportunity to present everything supporting their disability: additional medical records, new physician opinions, updated
Why Symptoms That Fluctuate Are So Often Misunderstood by Disability Insurers
On Behalf of Disability Insurance Law Group | | disability insurance claimSome disabling conditions do not affect a person the same way every hour of every day. Symptoms may improve temporarily, worsen without warning, or follow cycles in which several difficult
Why Life Insurance Interpleader Cases Are About More Than “Who Gets Paid”
On Behalf of Disability Insurance Law Group | | Life InsuranceWhen two or more people claim the proceeds of the same life insurance policy, the insurer may choose not to decide who should receive them. Instead, it may file an
When a Disability Claim Delay Becomes a Denial in Disguise
On Behalf of Disability Insurance Law Group | | Disability insuranceYou filed your disability insurance claim weeks or months ago. You have responded to requests for records, completed forms, and followed up repeatedly. Yet instead of a decision, you continue
What Happens When an LTC Insurer Questions Whether Care Is “Necessary”?
On Behalf of Disability Insurance Law Group | | Denied Long Term Care ClaimsLong-term care insurance is intended to help pay for care when a person can no longer safely manage certain aspects of daily life independently. Yet even after a policyholder begins
Should You Attend an Individual Disability Insurance Field Interview Without Legal Guidance?
On Behalf of Disability Insurance Law Group | | disability insurance claimAfter filing an individual disability insurance claim, you may receive a call from the insurance company requesting a field interview. The representative may describe it as a routine meeting designed
Why Accidental Death & Dismemberment Insurance Claims Are Often More Technical Than Families Expect
On Behalf of Disability Insurance Law Group | | AD&D ClaimsAccidental Death & Dismemberment (AD&D) insurance is often marketed as straightforward coverage. If a covered accident results in a qualifying death or serious injury, benefits should be paid. Unfortunately, many families
Why Procedural Errors Can Matter as Much as Medical Evidence in ERISA Disability Claims
On Behalf of Disability Insurance Law Group | | Denied ERISA ClaimsMany people believe an ERISA disability claim is decided solely by medical evidence. While medical records are certainly important, they are only part of the equation. The process the insurance company
Why the First Long-Term Disability Appeal May Be Your Best Chance to Fix a Claim
On Behalf of Disability Insurance Law Group | | Denied Long Term Care ClaimsReceiving a long-term disability claim denial can feel like the end of the road. Fortunately, it often is not. Most disability insurance policies allow claimants to appeal an unfavorable decision, allowing
How to Challenge a Disability Insurance Denial Based on “Lack of Restrictions and Limitations”
On Behalf of Disability Insurance Law Group | | Denied Disability Insurance ClaimMany disability insurance claimants are surprised to learn that an insurance company does not necessarily dispute their diagnosis. Instead, the denial letter often states that there is “insufficient evidence of