Filing a Long-Term Disability Claim: Start Here
Before you file for long-term disability, learn how your policy defines “disabled,” what your doctor needs to document, and the mistakes that sink claims.
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Mistakes That Sink LTD Claims
Some long-term disability claims are lost because the person can still work. Many more are lost because of something the person did, or failed to do, along the…
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Why Your Doctor Must Describe Limitations, Not Just Diagnoses
Here is the kind of sentence that shows up in LTD denial letters, in one form or another: “While the medical records confirm your diagnosis, they do not…
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Get Your Policy Before You File
Most people file a long-term disability claim without ever reading the policy. They have a one-page benefits summary from open enrollment, or nothing at all. Then the denial…
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Employer Plan (ERISA) or Private Policy: Why It Matters
Before I can tell anyone how strong their long-term disability claim is, I need to answer a more basic question: where did the policy come from? Coverage you…
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How Does My Policy Define “Disabled”? Own Occupation vs. Any Occupation
When clients come to us from Social Security disability, they often assume “disabled” means the same thing everywhere. It does not. For long-term disability insurance, “disabled” means whatever…
Talk to us before you file your appeal
Jonathan or Jodi will review your denial letter, your policy, and your deadline at no charge. We do not take a fee from any future monthly benefit.