Info Library

 Clear Information About Long Term Disability Claims

The Info Library is a comprehensive educational resource for people navigating long term disability claims.

Here, you can learn how disability insurers evaluate medical conditions, occupational duties, policy language, medical evidence, appeals, benefit terminations, and litigation. Each guide focuses on a specific issue that may affect your eligibility for benefits or the strength of your claim.

Use the search feature above or browse the topic areas below.

Diagnoses

A medical diagnosis can have a profound impact on your ability to work, but not every diagnosis is evaluated the same way by disability insurance companies.

Our diagnosis guides explain how specific medical conditions may affect your eligibility for long term disability benefits, the evidence insurers typically look for, and the unique challenges claimants often face throughout the claims process.

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Occupations

Your occupation is one of the most important factors in a long term disability claim. Disability insurance companies evaluate more than just your diagnosis; they assess whether your condition prevents you from performing the material duties of your specific occupation.

Our occupation guides explore the unique demands of different professions and the evidence that can help support a successful disability claim. Whether you are filing an initial claim, appealing a denial, or protecting ongoing benefits, understanding how your occupation is evaluated is essential.

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Insurers

The insurance company handling your long term disability claim can significantly impact your experience throughout the claims process. While every insurer evaluates disability claims differently, each has its own procedures, priorities, and common reasons for delaying, denying, or terminating benefits.

Our insurer guides examine the practices of major disability insurance companies, explain the challenges claimants commonly encounter, and provide insight into the strategies that can help strengthen your claim at every stage.

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Policy Terms

Your disability insurance policy is the foundation of your claim. The language in your policy determines who is eligible for benefits, how disability is defined, what limitations or exclusions may apply, and what evidence you need to provide throughout the claims process.

Our policy guides explain the key provisions found in many long term disability policies and help you understand how your policy can affect your eligibility, benefits, and claim strategy.

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Claim Strategies

Every long term disability claim presents unique challenges, and the steps you take throughout the process can have a significant impact on your ability to obtain and maintain benefits. Understanding how disability insurers evaluate claims can help you make informed decisions from the outset.

Our claim strategy guides cover important topics such as documenting your disability, working with your treating physicians, responding to insurer requests, preparing appeals, and protecting your benefits throughout the life of your claim.

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Litigation Issues

If your long term disability claim cannot be resolved during the administrative claims process, the next step may involve litigation or mediation. Understanding how these proceedings work can help you make informed decisions about your legal options and what to expect as your case moves forward.

Our litigation and mediation guides explain important legal concepts, court procedures, settlement discussions, standards of review, and other issues that may arise after a claim has been denied or terminated.

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Topic

Diagnosis Traumatic Brain Injury Tbi

Qualifying for Long Term Disability After a Mild Traumatic Brain Injury

Diagnosis - Traumatic Brain Injury (TBI)

A mild traumatic brain injury can qualify for long term disability benefits if ongoing symptoms prevent you from performing your occupation on a sustained basis. In these claims, the focus is not on whether your imaging is normal, but whether your functional limitations interfere with your ability to work reliably.

Many professionals are told their brain injury is “mild,” which can create confusion and doubt early in the process. Mild TBI symptoms are often invisible, but their impact on your work can be significant.  

If you’ve suffered a TBI, you may find it impossible to continue working due to your condition. In that case, you may consider filing a long term disability insurance claim. It’s important to know beforehand what steps you should take to ensure your best chances of disability claim approval.

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How To Prove Vestibular Dysfunction for Long Term Disability

Diagnosis - Migrane Headaches Diagnosis - Meniere's Disease Diagnosis - Traumatic Brain Injury (TBI) Diagnosis - Vestibular Diagnosis - POTS Syndrome Diagnosis - Vestibular Disorder Strategy - Tilt Table Test

If you’re experiencing chronic dizziness, vertigo, or balance problems that make it hard to function at work, you may be wondering whether you qualify for long term disability benefits. Vestibular dysfunction is often misunderstood by disability insurers because its symptoms can be invisible, unpredictable, and difficult to document through standard testing. Yet for many professionals, these symptoms are anything but mild. They interfere with concentration, mobility, and the ability to perform even routine job tasks.

Below we’ll explain how vestibular dysfunction may qualify for long term disability and what evidence is most effective in building a strong LTD claim.

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Jennifer Hess's TBI Disability Claims Article Featured in AAJ Trial Magazine

ERISA News Diagnosis - Traumatic Brain Injury (TBI)

We are thrilled to announce that Riemer Hess partner attorney, Jennifer Hess, has been featured in the July 2024 issue of Trial magazine, published by the American Association for Justice (“AAJ”).

About the Publication
Jennifer’s insightful article, "Tackling Disability Defenses in TBI Cases," delves into effective strategies to counter common defense tactics in traumatic brain injury (“TBI”) claims. The article aims to equip attorneys with the knowledge and tools necessary to challenge these defenses successfully.

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Traumatic Brain Injury Disability Claim Center

Diagnosis - Traumatic Brain Injury (TBI)

If you or someone you love is facing the complex challenges of a Traumatic Brain Injury (“TBI”) coupled with the intricacies of Long Term Disability (“LTD”) claims, you’re not alone. This page serves as a comprehensive guide to understanding TBI within the context of LTD claims. From the medical aspects of diagnosis to the legal avenues available for securing LTD benefits, our TBI Disability Center aims to be a reliable resource for claimants, medical providers, and attorneys alike.

By concentrating on TBI, we aim to shed light on these complexities, provide actionable steps for each stage of the LTD claims process, and offer tools and resources to help you build a solid case, whether you are a claimant, a healthcare provider, or a referring attorney. 

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How Can Vestibular Testing Help Prove a Long Term Disability Claim?

Strategy - Medical Evidence Diagnosis - Traumatic Brain Injury (TBI) Strategy - Evidence Diagnosis - Vestibular Disorder Strategy - Vestibular Evaluation

Vestibular dysfunction can be extremely distressing and disabling.  A vestibular evaluation is one of the best ways to prove the severity of a long term disability due to vestibular dysfunction.  This is because the evaluation will provide an objective proof of your vestibular symptoms (including dizziness, vertigo and balance issues) in a way that medical records alone cannot.


Learn whether a vestibular evaluation may help prove your long term disability claim.

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