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The Info Library

Welcome!  The Info Library is an internet-based resource that addresses in one place your questions and concerns about disability benefits, disability insurers, your illness, your occupation, and filing a claim, appeal or litigation.  In other words, a "Wikipedia" for disability claims.  If you would like to automatically receive new posts, please subscribe below.



Category: Strategy - Medical Evidence

What’s the Difference Between Social Security Disability and Long Term Disability?

Strategy Strategy - Medical Evidence

While both Social Security Disability and Long Term Disability benefits are designed to provide income in the event of a medical disability, the programs differ in at least five different ways: (1) the way they are funded; (2) the standards of disability; (3) the eligibility periods; (4) the benefit amounts; and (5) the claim and appeal processes.  

Below we expand on the five key differences between Social Security Disability and Long Term Disability benefits. 

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Top 5 Tactics Long Term Disability Insurers Use to Terminate Benefits

Strategy Strategy - Medical Evidence Strategy - IME


Many people assume that they can relax once their long term disability (“LTD”) claim is approved.  While it’s true that winning your long term disability claim is a big hurdle, it doesn’t mean you’re entirely in the clear.  Over time, your LTD insurer will continue to re-review your file and demand proof of your ongoing disability.

LTD insurers use a number of ploys to justify cutting off your benefits after your claim is approved.  Below, the NYC long term disability attorneys at Riemer Hess will discuss the five most common tactics used by LTD insurers to terminate long term disability benefits.


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How A Tilt Table Test Can Prove Long Term Disability

Strategy Strategy - Medical Evidence Strategy - Functional Capacity Evaluation

Tilt Table Tests for Long Term Disability

When filing for long term disability, you may consider testing options such as the tilt table test to help bolster your disability claim.  But how do you know if the tilt table test is right for you?

Your insurance company will demand strong medical proof of your inability to work in order to approve your disability benefits.  While this may not be as much of a concern for easily evidenced disabilities, certain conditions are harder to prove than others.  This is where a tilt table test may be beneficial for your disability claim.

The tilt table test results can provide strong evidence of conditions that cause dizziness and/or syncope (the medical term for unexplained fainting).  Below we’ll discuss what the tilt table test is, what it involves, and how it can help get your long term disability claim approved.

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How Do I Prepare for An Independent Medical Examination (IME)?

Strategy Strategy - Medical Evidence Strategy - IME

What To Expect From An Independent Medical Examination (“IME”)

At any stage of the long term disability claim process, your insurer may schedule you for an Independent Medical Examination (also known as an “IME”).  An IME is an examination done by a physician of the insurer’s choosing.  The IME physician will then write a report for your insurer evaluating your condition and stating whether you are capable of working.

Despite the name, IME physicians are not truly independent or neutral.  Many IME physicians perform hundreds to thousands of examinations for the insurer on an annual basis, meaning they are effectively on the insurer’s payroll.  As a result, they have an incentive to discredit your disability.

However, there are steps you can take to prepare yourself before, during, and after an IME.

Below we’ll answer common questions regarding IMEs and long term disability insurance claims. 


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What Should I Expect at My Functional Capacity Evaluation? | Long Term Disability Tips

Strategy Strategy - Medical Evidence Strategy - Functional Capacity Evaluation

Functional Capacity Evaluations For Disability

When you file a long term disability insurance claim or appeal a denial, your insurance company will expect strong evidence supporting the restrictions and limitations your medical condition imposes. More specifically, your insurance company will want to know how your condition prevents you from working the job you had. This is where a Functional Capacity Evaluation (also known as an “FCE”) can be instrumental to receiving your disability benefits.

Below we will answer common questions about undergoing a functional capacity evaluation for a disability claim.

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