Long Term Disability Law Blog

How To Choose the Right Prosthetic for You

An amputation is a physically and emotionally shocking experience. Some amputations are scheduled in advance due to cancer or other serious illness. Others are the result of traumatic injuries, leading to amputation of a limb. No matter how you have come to lose a limb or other body part, you may eventually decide to have […]


Four Foods That Help with Anxiety

Anxiety is no joke, even though it has been made the punchline of comedians and memes around the world. It isn’t always a disabling condition, although people with severe anxiety can have difficulty getting through their workday, or even getting out of the house. Anxiety disorder is characterized by symptoms like nervousness, restlessness, feelings of […]


What Paperwork Do I Need From My Doctor For My Long Term Disability Claim?

What Paperwork Do I Need From My Doctor For My Long Term Disability Claim? It should be simple to file for your long term disability insurance benefits. You fill out your claim form and send it in. Unfortunately, it doesn’t end there. You will need to send in supporting documents from your employer, your doctor, […]


How to Prove Your Depression for a Disability Claim

How to Prove Your Depression for a Disability Claim Filing a claim for long-term disability insurance is difficult enough. The company needs to see proof that you cannot work at your job because your injury is so serious, and sometimes, it seems they won’t accept anything, even x-rays of your femur sticking out of your […]


What Not to Say on Your Disability Application

What Not to Say on Your Disability Application Whether you are applying for long term disability insurance for the first time or sending in a claim for disability payments, the insurance company is going to ask you many questions. These questions are intrusive and personal. Although you must be honest about everything you say on […]


The Social Security Disability Benefit Offset to Group Long Term Disability Insurance Benefits

Most group long term disability (LTD) insurance policies permit the insurance company to reduce the disabled claimant’s LTD benefit by the amount that he or she and their spouse or children/dependents receive in Social Security disability (SSD) benefits from the Social Security Administration. Once an award of SSD benefits occurs, the disabled claimant should promptly […]


The Impact of the Social Security Disability Claim Process on Your Group Long Term Disability Insurance Claim

A group long term disability claim is insured by a private insurance company or sometimes by a self-insured employer. A Social Security disability claim is insured by the federal government and administered by the Social Security Administration. These claims are completely separate disability claims; however, the SSD claim process and the outcome of that process […]


Are There Conditions That Automatically Qualify You for Disability?

Are There Conditions That Automatically Qualify You for Disability? If your employer offers long term disability insurance, you may wonder whether to purchase it. Long term disability insurance is designed to cover a portion of your pay if you are unable to work for an extended period due to an accident or illness. Since none […]


Watch Out for Limited Coverage Conditions and Hidden Policy Surprises

The coverage offered by Long Term Disability (“LTD”) insurance policies can significantly vary across insurance companies and different employers. However, it is increasingly common to see policy language with broad exclusions or limited pay periods for certain medical conditions. Studies have found that these are the five most common medical conditions (in order) that result […]


CIGNA (New York Life) Long Term Disability Appeal Win

Proving Physical Disability form any Gainful Occupation due to Chronic Pain from Low Back Pain, Neck Pain, and Fibromyalgia* A female client in her 50’s had her long term disability benefits terminated by New York Life insurance company (doing business as Cigna) as of the date her long term disability insurance policy transitioned its definition […]

Written by : Erik Abell & Joe Capitan

Last Updated: January 25, 2022
We’ve fought the big insurance companies.
Call, chat, or email us today to get started.