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 —
ERISA Long-Term Disability Carrier Extension Requests: What You Need to Know
On Behalf of Disability Insurance Law Group | | ERISAIf you’ve submitted a long-term disability (LTD) claim under an ERISA plan, you may receive a carrier extension request before a final decision is made. A carrier extension request does
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
Individual Disability Insurance Applications: What You Need to Know
On Behalf of Disability Insurance Law Group | | Application ProcessFiling an Individual Disability Insurance (IDI) application is one of the most important steps you can take when seeking long-term disability benefits through a private insurance policy. Unlike employer-sponsored plans
Individual Disability Insurance Field Interviews: What You Need to Know
On Behalf of Disability Insurance Law Group | | disability insurance claim Long-Term Care InsuranceWhen you file a claim for Individual Disability Insurance (IDI) benefits, the insurance carrier may request a field interview before making a decision. Field interviews are sometimes referred to as
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,