Long Term Disability Law Blog

Chronic pain from conditions like fibromyalgia, complex regional pain syndrome (CRPS), and post-surgical pain can make working impossible. Can you receive long-term disability benefits for chronic pain conditions? The answer is yes, but proving your claim requires more than just reporting pain. Insurance companies focus on functional limitations, not diagnoses. This means you’ll need to […]

Cognitive limitations can make it impossible to work. These limitations can include memory loss, difficulty concentrating, and slow processing speed. Yet many people with these conditions face denied long-term disability claims. Insurance companies often demand “objective evidence” that doesn’t exist for cognitive deficits. At , we help Philadelphia residents prove that cognitive limitations qualify for […]

When you file a long-term disability claim, your insurance company examines every detail of your medical history. One of the most common reasons insurers deny claims is the pre-existing condition clause. Understanding how these clauses work can make the difference between receiving the benefits you deserve and facing an unfair denial. This guide explains pre-existing […]

When you become disabled and can no longer work, you may wonder about your options. Some employees can continue working with changes to their job or work environment, called reasonable accommodation long-term disability. Others cannot work at all and need long-term disability (LTD) benefits. Understanding the difference between these two protections matters because they serve […]

Many people who receive long-term disability (LTD) benefits face a shocking reality: their insurance company denies or terminates their benefits right around the 24-month mark. This isn’t a coincidence. Insurance companies use the 24-month disability limitation as a common strategy to reduce their payouts, especially for mental health conditions. Understanding why this happens and what […]

When your ERISA benefits claim or disability claim is denied, the appeals process becomes your critical opportunity to submit evidence that proves your disability. Understanding what evidence improves your ERISA disability appeal chances can mean the difference between regaining your benefits and facing continued financial hardship. Insurance companies scrutinize every document you submit, so knowing […]

When you file a long-term disability claim, you expect the insurance company to process it fairly and approve your benefits. Unfortunately, many long term disability claim mistakes occur during the application process, resulting in denials. Understanding the most common long-term disability claim mistakes—documentation errors, missed deadlines, and inconsistent medical records- can help you avoid these pitfalls […]

When your doctor says you cannot work due to a disability, you expect your insurance company to honor that medical opinion. Unfortunately, insurance ignored my doctor disability claims happen every day. Insurance companies have financial incentives to deny claims, and they routinely disregard treating physicians’ statements in favor of their own hired medical reviewers. Understanding […]

Insurance companies spend millions of dollars annually on surveillance to investigate disability claims. If you’ve filed for long-term disability (LTD) benefits, you may already be under investigation. Understanding how insurance companies use video surveillance and other monitoring tactics can help you protect your claim. This guide explains the disability surveillance insurance company methods used, what […]

Receiving long-term disability benefits doesn’t mean you must stay home. Many people wonder if they can travel while collecting LTD benefits. The short answer is yes, you can travel on long-term disability. However, traveling while receiving benefits requires careful planning. You must follow your policy terms to protect your benefits and enjoy the travel you need. Why […]