Long Term Disability Law Blog

You’ve thought about what retirement might look like someday, but you always believed that you alone would make that call. Suddenly, because of an injury or other medical condition, you just can’t work a job with significant physical demands anymore. You’re experiencing frustration, confusion, and concern about what your future looks like. You can probably […]

The use of CBD products has exploded since 2018 when the federal Agricultural Improvement Act removed hemp-derived CBD from the list of Schedule I drugs subject to stringent regulation under the Food & Drug Administration (“FDA”). However, that doesn’t mean that every CBD product is legal, effective as a treatment, or harmless. As a result, […]

This is an exclusive list – only 2.5 percent of Pennsylvania lawyers make the cut – and it’s an honor bestowed upon attorneys under the age of 40, or who have been in practice for 10 or fewer years, who are at the top of their game. Super Lawyers, an attorney rating service covering more […]

This is a friendly reminder from your LTD lawyers at to make sure you read and fully understand your disability insurance policy.

is comprised of some of Philadelphia, Pennsylvania, and Louisville, Kentucky’s most trusted disability insurance lawyers.

Long term disability insurance is intended to provide income replacement for you and your family during a time when you can no longer work. It is a monetary insurance benefit.

Myalgic encephalomyelitis or chronic fatigue syndrome (ME/CFS), is a disease that can be severely debilitating and leave many patients bedridden for the remainder of their lives. While the Centers for Disease Control and Prevention has estimated that as many as 2.5 million Americans suffer from ME/CFS, there is relatively little public awareness of the disease […]

Unfortunately, the world doesn’t stop turning once you or your loved one becomes disabled. The bills keep coming, and great financial and emotional hardship follows quickly if there is no money available to pay them. Having your claim for disability benefits denied by the insurance company inevitably complicates things even further.

Most group long-term disability policies provide that, after the 24 months of LTD benefits are paid, the definition of disability (or total disability) changes from “own occupation” to “any occupation” (or other similar terms such as “any gainful occupation” or “any reasonable occupation).” This is, hands down, the point at which claimants are most likely […]

You may have noticed ERISA referenced in your denial letter or disability policy, but do you know what it means for your Long-Term Disability claim?