Uncategorized Topics: LTD Benefits Blog

Uncategorized Topics: LTD Benefits

March 15th, 2023

When Does Anxiety Become a Disability?

Anxiety disorders are among the most common mental health issues affecting millions worldwide. As the line between normal anxiety and a disabling condition can be unclear, it’s crucial to understand when anxiety becomes a disability. Understanding Anxiety Disorders Anxiety disorders encompass a wide range of mental health conditions characterized by excessive fear, worry, and stress. […]

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Uncategorized Topics: LTD Benefits

Will Medicare Cover My Wheelchair?

If you have been injured and may need a wheelchair, this can be a frustrating and painful time. You may have questions about how to navigate Medicare’s system to get the medical equipment you need. The approval process can seem complicated and overwhelming. While each situation is unique, there are requirements that apply to most […]

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From Joe's Desk, Uncategorized Topics: LTD Benefits

August 15th, 2018

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.

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Written by : Erik Abell & Joe Capitan

Last Updated: March 16, 2023

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Testimonials

The difficulties I faced when my CIGNA / New York Life LTD claim was denied were by far larger than I expected. I have never set a foot in USA, but used to work for a US organization here in Europe. Being fully accustomed to my local legal and cultural conditions had not prepared me in the least to even understand the US legal system, much less to deal with it. I can truly say that it was my lucky day when while browsing through internet and trying to make sense of the confusing situation, I stumbled upon the website of Abell and Capitan Law firm. They provided information and possible strategies, answered many naïve questions I asked them in my poor, heavily accented English, showed compassion, gave comfort and went above and beyond what I had expected from legal counsels. Words cannot express my gratitude for the competence, professionalism and patience they displayed and the solid, detailed work they did, in spite of the obstacles that dealing with two profoundly different medical systems put in their way. My special thanks go to Greg, a truly amiable, reliable, diligent and simply kind person, who puzzled my European mind by working the case tirelessly during weekends and even on his vacation, always putting his clients first, never letting the need for rest overcome the passion he has for his profession.

A.

Erik is an excellent and caring attorney who listens to everything you have to say. He explained the pro and cons of my situation and made everything easy to understand. I cannot recommend him enough!!

Crystal Crowe

Mr. Abell has been assisting me with Long Term Disability for years now. He is one of the most responsive and caring lawyers I have ever dealt with. His knowledge, as well as his personality allows a very comfortable environment when dealing and interacting with my Long Term Disability Carrier. I am grateful for all of his assistance. Originally I was denied my LTD, and that was very concerning and stressful. But with Mr. Abell's skills, dedication, and communication I received my benefits and was able to breathe easy, knowing I had the needed income to move forward. K Ray-Tompkins

Luvlightus Openhearted

Erik is an excellent attorney and I can’t recommend him enough! He is experienced, knowledgeable and is a great communicator! I was denied on my disability claim and searched the country looking for an attorney to help me! Never represent yourself! The laws are to complex and Insurance companies look for any reason possible to deny your claim! Erik Abell walked me through the process and looked out for me! He completely explained the process we would have follow and was easy to talk too. My claim was transferred to three different insurance companies (Aetna, The Hartford, and Met Life) before it was settled. Erik was experienced with all three and explained the pro and cons of each one. Erik was very strategic in laying out my case and getting all of the documentation needed to explain and document my situation and condition. His fees were very reasonable and I can’t imagine working with any other disability attorney! I won my case and received the settlement I deserved! Thank You Erik, you saved my life!

Jim McElroy

Erik was wonderful, he's extremely knowledgeable, hard working and professional. We were stuck in a very difficult position, and he got us to the other side despite all the insane challenges put in place by the insurance company. We would most definitely recommend this law firm.

J Donall

It was Absolutely wonderful dealing with them! I was afraid and they took the worry out of the situation made me feel safe and assured that they could handle my situation. And they did! I would use them over and over. Both attorneys were kind, compassionate, knowledgeable and informative. Thank you for your services.

Teresa Breese

The best experience ever with Eric, made everything easy and I understood every step of the way

Stephen Threedouble

Caring and good listener. Ready and willing to help.

Cynthia Anthony

Joe was referred to my by a well known and respected attorney. I hired Joe shortly thereafter , his work ethic , knowledge of the law is unparalleled. I was never in the dark about anything, he was always honest and forthright which led to very successful outcomes in my cases. I highly recommend this Attorney.

Chad

I contacted Mr. Joseph Capitan to discuss my LTD claim after my insurance company had denied my original claim. My situation required a seasoned attorney to help me with my difficult LTD case. After many months my LTD claim was reinstated. He followed my case closely and kept me informed all thru the process. He is hard working and a dedicated attorney and uses his strong expertise and professionalism to gain the desired result. His honesty with me all during this process was greatly appreciated. It is not often you find an attorney with Joe’s expertise.I would like to personally thank Mr. Joseph Capitan for working with me during the appeal process and to get my LTD reinstated after was wrongfully denied. I would highly recommend Joe for handling any disability claim.

anonymous

I was lucky to find Joe to handle my disability claim. He always takes the time to let you know where you are in the claim process and to make sure that you understand what needs to be done. When I received a denial for my disability claim, Joe told me that he believed in my case and worked hard getting me approved. I know that I couldn't have done it without him. I would definitely recommend Joseph Capitan to handle your disability claims. He is very understanding and will work hard for you.

Karen

I was looking for a lawyer to handle a complicated disability case. No one was willing to take the case but Joseph Capitan. I was concerned because he practices in PA and I live in NJ. He calmed me and said it shouldn't be a problem. And it wasn't! Not only did he settle the case, he got me more money, which took care of his bill. I paid no out of pocket expenses and my case is settled. I would definitely recommend Joseph Capitan to others.

Laura Ellen

Joe Capitan successfully represented me in a case. Joe, or a member of his staff basically held my hand during the grueling two and a half year process. I have recommended him to one of my best friends

Chuck

I was looking for a lawyer to handle a complicated disability case. No one was willing to take the case but Joseph Capitan. I was concerned because he practices in PA and I live in NJ. He calmed me and said it shouldn’t be a problem. And it wasn’t! I would definitely recommend Joseph Capitan to others.

Laura

Erik was referred to me as an out of state attorney to assist me with my long term disability claim. I was very impressed with how quickly he responded to my case and concerns. He was thorough and explained everything to me. Anytime I reached out to him he responded typically within 24 hours. I am so grateful and appreciative for his assistance with my claim and I can breathe easy again knowing that he got the insurance company to pay out for my disability!

Kellene

I contacted Mr. Joseph Capitan to discuss my LTD claim after my insurance company had denied my original claim. My situation required a seasoned attorney to help me with my difficult LTD case. After many months my LTD claim was reinstated. He followed my case closely and kept me informed all thru the process. He is hard working and a dedicated attorney and uses his strong expertise and professionalism to gain the desired result. His honesty with me all during this process was greatly appreciated. It is not often you find an attorney with Joe’s expertise. I would like to personally thank Mr. Joseph Capitan for working with me during the appeal process and to get my LTD reinstated after was wrongfully denied. I would highly recommend Joe for handling any disability claim.

Anonymous

After searching for a lawyer to take my case, I found Erik, and am so happy that I did! He was very easy to talk to and made a professional relationship with me. He does what he says he will do, gives sound legal advice, with easy to understand language, his knowledgeability of the law was outstanding. It was a pleasure working with him to win my case! I would refer anyone to him that needs a great lawyer on their side.

Debra

Joe Capitan successfully represented me in a disability case. Joe, or a member of his staff basically held my hand during the grueling two and a half year process. I have recommended him to one of my best friends.

Chuck

Greg was recommended to me from a friend and I am thankful for that. I was very nervous to go through the disability process but Greg was so knowledgeable and helpful through it all. He helped every step of the way. He was very kind and kept in touch with me throughout the process which I really appreciated. Greg worked hard and successfully represented me in my disability claim, and I 100% would recommend him. Thank you from the bottom of my heart.

Diane

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