Long Term Disability Law Blog

If you’re filing for long-term disability (LTD) benefits, your doctor’s role makes a big difference in your claim outcome. Insurance companies don’t just take your word for it—they rely heavily on medical documentation and your physician’s opinion. Without strong doctor support for LTD claim efforts, your application could be delayed or denied. Here’s what you […]

Living with a neurological disorder can be overwhelming. These conditions can interfere with your ability to think clearly, move normally, and perform daily tasks. If your symptoms prevent you from working, you may be eligible for long-term disability (LTD) benefits—but insurance companies don’t always make that process easy. Proving disability based on a neurological condition […]

Chronic Fatigue Syndrome (CFS), also known as Myalgic Encephalomyelitis (ME/CFS), is a complex, disabling condition. It affects millions in the U.S. and often makes working full-time impossible. Unfortunately, filing a successful chronic fatigue syndrome disability claim can be difficult. If you’re struggling to work due to CFS, long-term disability (LTD) benefits may be key to […]

As you might expect, Pennsylvania long-term disability insurance policies involve lengthy, detailed contracts. Unfortunately, you can’t merely skim your policy documents. Understanding the fine print is crucial for your case, particularly if your insurer denies your claim or tries to reduce your benefits. How Long-Term Disability Insurance Works Long-term disability (LTD) insurance provides income if […]

Getting long-term disability benefits in Pittsburgh, PA, isn’t just about proving you’re sick or injured. You must show how your condition affects your ability to work. That’s where your doctor comes in. Their medical records, notes, and opinions can carry serious weight with insurance companies. A doctor who understands the LTD claims process can help […]

Can you work while on long-term disability (LTD) in Pennsylvania? Maybe – it depends on your policy’s specific language and your disability status. Some policies allow part-time or lower-paying work. Others treat any earned income as a reason to reduce or stop your benefits. Your benefits may also change based on how much you earn. […]

Many people are surprised to learn they need to repay some of their long-term disability benefits after qualifying for SSDI. This often happens because LTD insurance policies typically contain offset provisions, which are clauses that reduce your LTD payments by your SSDI amount. If there’s overlap with your SSDI benefits or you receive back pay, […]

If you filed for long-term disability (LTD) benefits in Pennsylvania, you might assume the insurance company will only use the evidence provided in your claim to determine your eligibility. This is not the case. Insurance companies regularly perform thorough investigations to determine whether claimants are eligible for benefits. Surveillance can be part of these investigations […]

Long-term disability (LTD) insurance provides financial benefits for individuals unable to work for six months or longer due to serious injury or illness. Unfortunately, many LTD claims are initially denied by insurance companies that are trying to save money, leaving injured workers and their families without the compensation they need. If your LTD claim was […]

If you’re applying for long-term disability (LTD) benefits in Pennsylvania, the insurance company may ask you to undergo a functional capacity evaluation (FCE). This evaluation can play a crucial role in determining your eligibility for LTD benefits, so it’s vital that you take it seriously. However, FCEs aren’t always fair, and some insurance companies use […]