Disability Insurance Law Blog
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.
Appealing a Disability Claim Denial: The 10-Step Strategy That Protects Your Rights
On Behalf of Disability Insurance Law Group | | Denied Disability Insurance ClaimWhen your disability claim is denied, it can feel like the ground has been pulled out from under you. After months of medical treatment, paperwork, and financial stress, receiving a
How Attorneys Protect Beneficiaries’ Rights During Interpleader Litigation
On Behalf of Disability Insurance Law Group | | UncategorizedWhen a loved one passes away, life insurance benefits are meant to provide stability and peace of mind. Unfortunately, disputes sometimes arise about who is entitled to receive those benefits.
Inside the Long-Term Disability Claim Timeline: What Really Happens After You File
On Behalf of Disability Insurance Law Group | | Denied Long Term Care ClaimsFiling a long-term disability (LTD) claim can feel like stepping into unfamiliar territory. Most people expect the process to be as straightforward as submitting medical records and waiting for approval.
The Difference Between ERISA and Non-ERISA Claims, and Why It Matters for Legal Strategy
On Behalf of Disability Insurance Law Group | | Denied ERISA ClaimsWhen your disability insurance claim is denied, one of the most critical questions our attorneys will ask is whether your policy is governed by the Employee Retirement Income Security Act
Why Consistency Between Medical Records and Claim Forms Is Essential in LTD Cases
On Behalf of Disability Insurance Law Group | | Denied Long Term Care ClaimsWhen filing a long-term disability (LTD) claim, accuracy and consistency are everything. Even minor discrepancies between what you tell your insurance company and what appears in your medical records can