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Long Term Disability
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Should I do my ERISA Long Term Disability Appeal on my own Without a Lawyer?

A “Do-it-yourself (D.I.Y) approach to appealing an ERISA Short Term Disability (STD) or ERISA Long Term Disability (LTD) claim denial may very well cost you your financial and medical security. In a world where “DIY” is commendable and sometimes makes financial sense, it is a huge mistake with ERISA disability claim appeals, and here are the reasons why: Read More

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The Social Security Hearing Judge Denied your Disability claim, Should you Appeal?

There are several considerations. First and foremost is whether your claim evidence is strong enough under Social Security’s rules for a hearing judge to find you disabled. A simple enough question to be sure, but with a potentially very complex answer. While it may be that for mental or physical reasons a claimant cannot in Read More

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Legal Loopholes and your Disability Claim

It is not that Social Security Disability or ERISA Short Term and Long Term Disability regulations and/or Insurance policies contain loopholes for the purpose of deliberately denying claims.  Rather it is that the regulations and other governing the terms and language regarding which claims meet the requirements are intentionally designed to be fairly restrictive.  And Read More

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The Benefit of an Experienced Eye

Anyone who has considered exploring Short Term or Long Term or Social Security disability may hear or receive confusing information about the processes involved. This can be intimidating.  Many people who go through the system on their own are not successful the first time out. In fact, many estimates are that only about a third Read More

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When is it Time to Stop Working and Claim ERISA Short Term Disability (STD) and/or Long Term Disability (LTD) benefits and/or Social Security Disability (SSDI) benefits?

SHORT TERM DISABILITY AND LONG TERM DISABILITY CONSIDERATIONS: As disability attorneys, this is one of the most common questions we are asked by people.  While the answer to this question varies from person to person there are some common signs and indicators. Not surprisingly going out on medical leave is usually a very stressful thing Read More

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What is a Long-term Disability Denial Based on “Performing Duties of Your Occupation”?

Sometimes insurance companies deny long-term disability claims by arguing that you can still perform certain duties related to your occupation. For example, while unable to do heavy lifting, perhaps you can do light lifting of objects not weighing more than 10 pounds. However, the insurance company’s assertion about your disability may not be true, and Read More

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Costly Decisions in Long Term Disability Cases

You may still be working but have functional limitations which may be severe enough for you to win disability benefits, and because of this you may find you are faced with the decision of whether you should quit your job because you don’t feel you can do a good job at work anymore. Added to Read More

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Preexisting Conditions in Long Term Disability Cases

As ERISA Short Term and Long Term Disability lawyers we often hear some version of the following complaint or question by disability applicants and claimants:  “My ERISA Short Term Disability (STD) or Long Term Disability (LTD) insurance company or Plan Administrator is denying my claim because they say I have a pre-existing condition.”  If you Read More

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