One of the most common reasons a long term disability claim is denied is the change in the definition of disability.
Bring The Attending Physician Statement to Your Doctor Visit
The doctor is usually overwhelmed with patients and can make mistakes on your attending physician statement (APS).
Warn Your Doctor About Speaking With Your Disability Insurance Company
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 […]
What’s the Difference Between Residual and Total Disability Benefits?
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 […]
Back Pain and Long Term Disability Benefits
Long term disability attorney Gregory Dell has helped thousands of people with back disorders to obtain long term disability benefits. In this video Attorney Dell discusses what you should expect in a back disorder disability claim and provides tips for proving you are disabled due to a back disorder. Greg addresses the following questions: 1) […]
Reason #1 for Disability Benefit Denial: The Paper Review and Independent Medical Exam
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 […]
Chronic Fatigue Syndrome Long Term Disability Insurance Claims
There is no single medical test that can confirm the diagnosis of chronic fatigue syndrome. For many patients it can take over a year before your doctor diagnoses you with chronic fatigue syndrome.
Transitioning From Short to Long Term Disability
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.
Mutual of Omaha Disability Appeal Tips to Win Benefits
If you’ve recently received a denial letter from Mutual of Omaha on your claim for long term disability insurance benefits, you may be worried and wondering about your next steps. Fortunately, the appeal process can present one of the best opportunities to resolve your claim for benefits. Read on for some legal tips that may […]
Reliance Standard Disability Lawsuit and Claim Denial Options with a Disability Lawyer
Reliance Standard is one of the biggest names in the group long term disability (LTD) insurance world. Even though it’s a major player in the insurance industry, it deals with the same problems as other insurance companies – including high employee turnover and inadequate training. Because of this, Reliance Standard’s disability insurance claim denial decisions […]