You worked hard on your long term disability appeal. Hopefully, you followed our LTD claim appeal best practices when preparing your appeal. Maybe you followed our advice and hired an attorney to prepare the appeal for you. Now, the appeal is in the insurer’s hands. Despite your preparation, it is still possible for the appeal to go awry after it is submitted to the disability insurer. […]
Although the Federal Rules of Civil Procedure are to be applied uniformly in all civil actions,[1] which would encompass Employee Retirement Income Security Act benefit claims,[2] civil procedure in ERISA litigation often deviates from the norm.[…]
Calculating disability benefits seems like it should be an easy matter. Yet, determining the amount of disability benefits payable can sometimes be quite complicated. Individual disability benefits are usually easier to calculate than group disability benefits. But the devil is often in the details as the following discussion points out.[…]
Once an individual qualifies to receive disability insurance benefits, they are expected to regularly update the insurance company on their condition by completing reports and by providing ongoing certification of their disability by one or more of their treating doctors. […]
After making the difficult decision to cease working due to significant medical impairments, you decided to submit a claim for long-term disability (“LTD”) benefits through your employer-sponsored disability insurer. However, your insurer sent you a letter indicating that it has denied your application […]
To receive disability insurance benefits from an insurance company, it’s not enough to have a disabling diagnosis. Rather, insurance companies reviewing disability benefit claims require evidence (such as medical records, letters from doctors, and test results) to determine the validity and severity of the disabling condition […]