Disability Insurance Law Blog
Before You Appeal an ERISA Long-Term Disability Denial: A Complete Guide
On Behalf of Disability Insurance Law Group | | ERISAReceiving an ERISA LTD denial can be overwhelming, especially when you’re already struggling with your health and finances. But a denial doesn’t mean the end of your benefits prospects —
Before You Apply for ERISA Long-Term Disability Benefits: A Complete Guide
On Behalf of Disability Insurance Law Group | | ERISAIf you are thinking about applying for long-term disability (LTD) benefits under an ERISA plan, this guide is for you. Preparing before you apply can make the difference between a
Elimination Period Mistakes That Delay Long-Term Care Benefits and How to Correct Them Without Restarting the Clock
On Behalf of Disability Insurance Law Group | | Long-Term Care InsuranceLong-term care insurance is designed to protect people during some of the most vulnerable chapters of their lives. Whether someone needs in-home care, assisted living, or nursing facility support, these
Life Insurance Contestability Period Denials: What Insurers Can Investigate and What They Cannot
On Behalf of Disability Insurance Law Group | | Life InsuranceWhen a loved one dies, and a life insurance claim is submitted, families expect the policy to do what it was purchased to do. Yet many claims are suddenly placed
What “Full and Fair Review” Means in ERISA Disability Appeals and How to Spot Procedural Violations
On Behalf of Disability Insurance Law Group | | ERISAWhen a long-term disability claim is denied under an employer-sponsored plan, federal law does not give insurers unlimited power. ERISA — the Employee Retirement Income Security Act — requires that
What “Inconsistent Treatment” Really Means in Disability Claim Denials and How to Fix the Record on Appeal
On Behalf of Disability Insurance Law Group | | Denied Disability Insurance ClaimOne of the most common reasons disability insurers deny valid claims is “inconsistent treatment.” In denial letters, this phrase is often used to suggest that the claimant is not disabled
Why Long-Term Care Insurers Demand Repeated Recertifications and How to Prepare for Each Review
On Behalf of Disability Insurance Law Group | | LTC Insurance ClaimsLong-term care insurance is designed to provide stability when someone can no longer live safely on their own. Yet many families are surprised to learn that, even after benefits begin,
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.