From Joe’s Desk Blog

Abell & Capitan Law Partner Named One of Philadelphia’s Rising Stars by Super Lawyers

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 […]

Why Choose Our Cigna Long Term Disability Insurance Lawyers?

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

3 Telltale Signs You Need a Long Term Disability Lawyer

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.

ME/CFS: The Severely Disabling Condition Many Have Never Heard Of

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 […]

New ERISA Regulations: “Deemed Exhausted”

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.

The “Any Occupation” Termination of Long Term Disability Benefit Claims

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 […]

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 […]

Written by : Erik Abell & Joe Capitan

Last Updated: December 22, 2021
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