Most people don’t even think about calling a lawyer until they’re facing a problem. But often, the services of an attorney are most helpful when you want to avoid a problem altogether. Think about it this way: it’s a lot faster to do something the right way the first time than to wait for a problem to occur and then figure out what needs to be done to fix it. That is often the case when filing a claim for benefits under a disability insurance policy. An experienced Philadelphia long-term disability appeal lawyer can help prevent the need for an […]

When a disabling condition interferes with your ability to practice your profession, surgery is often touted as the miracle cure. Surgeons will repair whatever isn’t functioning, your body will heal, and then you will be as good as new. At least, that usually seems to be the expectation. The reality is often far different. Surgery may accomplish nothing helpful. Or it may not be enough to enable you to regain the functionality you need to perform delicate tasks. You may still be left with pain that prevents you from moving or even sitting comfortably, so that it remains impossible to […]

You could have access to millions of dollars in benefits to protect you from the vagaries of an unknown future. Or you might find yourself holding an empty bag. The time to find out is right now. Nobody wants to think about using long-term disability insurance. The thought of being saddled with a mental or physical disability that interferes with your ability to practice your profession is not one most of us spend time dwelling on. And that’s a fine approach—most of the time. But every once in a while, it is important to give the issue some thought. When […]

Society has moved on. COVID is old news for many people. But for many professionals, the effects of COVID-19 continue to cause serious problems that interfere with the ability to work. Insurance companies are skeptical, and this is leading them to deny claims and discontinue benefits for doctors, nurses, dentists, psychologists, and other professionals suffering the effects of what has come to be known as “long COVID” or “post-COVID-19 syndrome.” While all is quiet on the media front, new variants of COVID-19 are still emerging and still triggering life-changing illness. When the effects of any version of COVID-19 cause disabilities […]

It can take considerable effort to satisfy the insurance company’s requirements to receive benefits for a long-term disability claim. Once claimants receive notice that they have been approved, they often breathe a sigh of relief and assume the work is over. It isn’t. As a legal team that has focused on disability insurance claims for decades, we understand that insurance companies often seek reasons to terminate disability benefits. No matter how severe your condition and how obvious your disabilities may be, it is vitally important to follow the requirements established in your policy, or you could find your benefits discontinued at the time […]

It is critical for professionals to have disability insurance coverage not only to provide protection in case of physical injury or illness but also as a safeguard in case a psychiatric or psychological disability interferes with the ability to practice their profession responsibly. While mental health impairments can be as debilitating as physical problems, professionals often hesitate to file disability insurance claims for these conditions for a variety of reasons. When they do seek the benefits they are entitled to under their coverage, these professionals are often met with denials or endless requests for additional information that make it impossible […]

When many people hear the word “disability,” they tend to think of someone with a particular condition that fits their preconceived notion of what it means to be disabled. They may picture a wheelchair or imagine a disability that has obvious physical signs, such as an amputated limb. But there are a wide array of physiological conditions that can impair your ability to function to such an extent that you qualify for disability benefits under the terms of a disability insurance policy. (This is not even counting psychological and psychiatric conditions, which we will address next month.) In this post, […]

When you’ve been paying premiums on a disability insurance policy and the day comes when you finally need to use that policy, it seems only fair that the process of filing a claim should be fairly simple. After all, you have a contractual arrangement with the insurance company that calls for them to provide benefits when you’re unable to work due to a disability. However, professionals often find that when they file a claim, the insurance company finds reasons to deny benefits or delay the evaluation process. Often, they will insist on the need for an IME, which stands for […]

When you’re unable to work due to a physical or mental disability, it can be extremely challenging to manage the process of filing a comprehensive claim for your disability insurance benefits. Insurance companies look for any excuse to deny claims, and they demand a level of documentation that can be nearly impossible to discern unless you’re extremely familiar with the claims process for disability insurance. This is why so many people choose to work with a disability insurance lawyer when filing a claim for benefits under their disability insurance policies or when they need to appeal a claim denial or […]

While filing a successful claim for long-term disability insurance benefits is almost always a challenge, it is particularly difficult when the disability affects mental or emotional health rather than physical health. Documentation, which is so crucial in disability claims, can be more difficult to obtain and more frequently subjected to challenge by insurance companies. Proving your limitations in a disability claim involving mental health impairments requires a concerted effort and an understanding of the evidence and arguments that insurance claims evaluators find the most persuasive. In our decades of experience helping professionals obtain disability benefits for mental health disabilities, we’ve […]