Receiving LTD Benefits? Reviews, Exams, and Terminations
Getting long-term disability checks does not mean your claim is safe. Learn why insurers review approved claims, and how to protect your benefits.
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Should I Take a Buyout Offer?
You have been receiving $4,000 a month in long-term disability benefits for several years. Then a letter arrives: the insurance company will pay you $200,000 to settle your…
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The 24-Month Mental Health Limitation
You have been receiving long-term disability benefits for severe depression and anxiety for almost two years. Your psychiatrist says you are no better. Then the insurance company writes…
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Can They Cut Me Off Because I Drive, Shop, or Travel?
You cannot work. But you still drive to the doctor, buy groceries, make dinner, and maybe take a trip to see family. Can your long-term disability insurance company…
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What to Expect at an Independent Medical Exam (IME)
You are receiving long-term disability benefits, and a letter arrives telling you to attend an Independent Medical Examination. The insurance company calls it independent. But it chose the…
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5 Reasons the Insurer’s Vocational Report May Be Wrong
Your long-term disability insurer has stopped your benefits because a vocational expert says you can work as a customer service representative, a dispatcher, or an office clerk. The…
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How Insurers Use Vocational Experts to Cut Off Benefits
Imagine you have been receiving long-term disability benefits for two years. You have serious back problems, chronic pain, and prescription medications. Your doctors agree you cannot go back…
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.