The doctor is usually overwhelmed with patients and can make mistakes on your attending physician statement (APS).
Disability insurance companies will call your treating doctor to discuss your disability insurance claim. Your doctor might not be prepared for the call and may say something that is detrimental to your disability benefits claim. You should tell your doctor to not speak with the insurance company. They should ask the disability insurance company to […]
Disability insurance attorney Gregory Dell discusses the difference between total and residual disability. The disability insurance companies might argue that a claimant is residually disabled and does not qualify for total disability. We have dealt with this issue a lot. Attorney Dell provides some tips for long term disability approval and discusses the problems that […]
At Dell & Schaefer, we’ve been contacted by many disability claimants whose claims have been denied. Over the years, we’ve seen just about every possible basis for a disability benefit denial – and one of the most frequently-seen reasons involves the disability insurance carrier’s paper review and independent medical exam or evaluation (IME). Below, learn […]
It is common for a disability insurance company to deny long term disability benefits when a person is transitioning from short to long term disability benefits. Many people are led to believe that if they were approved for STD then their LTD will automatically be approved.
It’s important to know as much as possible about your disability insurance company when you are seeking to obtain long term disability benefits so we provide some tips about how you can expect your disability insurance claim to be handled.
If your request for long term disability insurance benefits has been denied, you may be wondering what your next steps should be. All disability insurance carriers have an appeal process, whether this means a mandatory internal appeal or a civil lawsuit – however, the deadlines for these appeals can be tight, and just getting the […]