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The “Any Occupation” Transition, Why You Need A Long-Term Disability Attorney

While every LTD insurance policy is different, the definition of disability will usually change from “own occupation” to “any occupation” after a certain number of months. This change occurs under most policies after 24 months of disability payments. The “any occupation” definition of disability varies from policy to policy, but it is going to be […]


Leveling the Playing Field When Facing an Uphill Battle, Why You Need a Long-Term Disability Lawyer

When going up against a major insurance company, you need to level the playing field. Many people assume they will be treated fairly by the insurance company because they are honest, forthright, and have nothing to hide. In bringing your claim to the insurance carrier, you may very well be acting in good faith and […]


Abell & Capitan Law was founded with one mission

To provide superior legal representation to individuals facing the wrong and unreasonable denial or termination of their long term disability insurance benefits or individual disability insurance claim. My law partner Erik Abell and I have represented disabled individuals for our entire legal careers. We bring a wealth of disability insurance know-how to the table. Abell […]

We’ve fought the big insurance companies.
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