Info Library

Find answers to your disability claim questions.

Welcome to our Info Library.

The Info Library is a resource for people who have questions about disability insurance benefits, insurance companies, medical conditions, occupational demands, claims, appeals, and litigation.

Think of it as a practical guide to disability claims. Our goal is to explain common issues in clear, useful terms so you can better understand the process, the risks, and the decisions that may affect your benefits.

New articles are added regularly.

 

Category: Strategy - Apply for Benefits

9 Facts to Know Before Filing for ERISA Long Term Disability Benefits

Strategy Strategy - Apply for Benefits Strategy - Leave Work Protected

 

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Fired or Laid Off Before Filing for LTD? What to Know

Strategy - Apply for Benefits Strategy - Leave Work Protected Coverage Strategy - Termination of Employment

Often, people suffering from serious medical conditions will attempt to work beyond the point of being unable to successfully fulfill their job duties. While commendable, this mindset of working through your declining health can backfire if you get terminated or laid off.  Many people ask, “Can I still file a long term disability claim through my employer if I get terminated?”

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Top Tips to Win Long-Term Disability Benefits for Chronic Pain

Strategy - Medical Evidence Strategy - Apply for Benefits Strategy - Leave Work Protected Strategy - Evidence Diagnosis - Chronic Pain

Getting long-term disability benefits for a chronic pain condition can be extremely difficult.  Insurers tend to heavily scrutinize these claims – often alleging there is no proof and the pain is simply “self-reported.”  Winning long-term disability benefits for chronic pain will take careful planning, preparation, and documentation.  Review these insider tips to get started on a winning path.

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Preparing for Your Interview with the Insurance Representative

Strategy Strategy - Apply for Benefits Strategy - Maintain Benefits Interview with Insurance Company Strategy - Interview with Insurance Company

The insurance company representative assigned to your claim called you yesterday and left a message that they want to interview you.  You couldn't sleep last night worrying your long term disability claim is about to be terminated.   You are not sure if an interview is typical or not, but its sounds very threatening.

 

Don't worry, you should not necessarily be alarmed.  An insurance company interview is a fairly common part of the claims process.  Indeed, it happens with about 50% of the clients we represent.  While typical, you need to be prepared to explain you disability prior to the interview.

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How to Win Your Long Term Disability Claim | 5 Do’s and Don’ts

Strategy Strategy - Apply for Benefits

Here are 5 do's and don'ts to help win your long term disability claim.

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