Q&A - Ask A Disability Insurance Lawyer

If your claim for long term disability benefits has been denied, you may be wondering what happens next. If your claim is under a group policy governed by the Employee Retirement Income Security Act (ERISA), you’ll need to file an administrative appeal of this denial to the insurance company before you go any further. The strength of your claim file will dictate what you can do next – once your appeal is denied, your claim file has closed, which means that any subsequent lawsuit can’t raise issues that aren’t contained within this file. Below are the six steps to appeal your disability insurance denial.


Continue Reading How Do I Win My Disability Benefit Appeal?

Although many working adults have life insurance policies designed to protect their families upon their untimely death, becoming disabled actually poses a far greater risk than dying early. The CDC estimates that around 1 in every 4 U.S. adults lives with a disability that impacts their major life activities. If you don’t have long term disability insurance, you could find yourself facing an extended period of time without a paycheck if you develop a medical condition that keeps you from working. Read on to learn more about the benefits that long term disability insurance can typically provide, as well as the major differences between individual and group disability policies.
Continue Reading What is Disability Insurance and Do You Need It?

In this video and article disability insurance attorneys Gregory Dell and Stephen Jessup discuss: When should a disability insurance claimant hire an attorney? Learn the 4 times a disability insurance attorney can help claimants receive disability insurance benefits and the importance of hiring an ERISA trained attorney to represent disability income policy holders seeking benefits. Gain insight into:

What does it take to get approved for disability insurance benefits? If you are seeking disability insurance benefits this video and article will cover many of the frequently asked questions that disability income policy holders ask our disability insurance attorneys. Topics covered include the differences between a group policy and individual disability insurance policy and why getting regular treatment from your doctors is so important.
Continue Reading Is It Hard To Get Approved For Long Term Disability Insurance?

In this video and article, disability insurance attorneys Gregory Dell and Stephen Jessup answer the question: What is the Difference Between a Disability Insurance Lawyer & a Social Security Disability Lawyer?

To answer this question, the attorneys explain:

  • A Social Security Claim vs. a Private Disability Insurance Claim
  • What is an Employer Provided Disability Insurance Policy?
  • The Importance of Having a Disability Insurance Lawyer Represent Disability Insurance Income Policy Claimants
  • What Is Needed to Prove Your Disability Insurance Claim
  • Why It Is So Important To Comply with the Strict Deadlines In Your Disability Insurance Policy


Continue Reading What is the Difference Between a Disability Insurance Lawyer and a Social Security Disability Lawyer?

Attorneys Gregory Dell and Stephen Jessup answer a frequently asked question: Do I Have to quit my Job Before Applying for Disability Insurance Benefits? In this video and article know your rights when applying for disability insurance benefits. Learn why getting laid off could effect your disability claim and why you should never quit your job before filing for disability benefits.
Continue Reading Do I Have to Quit My Job Before Applying for Disability?

Missing even a single paycheck can put a major dent in many families’ finances, and combining this with medical bills can be a double whammy. If you’ve suffered a disabling injury and are wondering when to file for long term disability insurance benefits, you’re not alone. Many disability insurance claimants may worry about either filing too soon or waiting too long and complicating the process. The truth is, the “right” time to file can vary from person to person based on each disability insurance  claimant’s unique situation. Learn more about just a few of the factors that can go into a disability insurance  claimant’s decision on when to file and what to expect while waiting for a decision.
Continue Reading How Long Do You Have To Be Out Of Work To Apply For Long Term Disability Insurance Benefits?

Are you waiting for your disability insurance carrier to APPROVE your claim? Attorneys Gregory Dell and Stephen Jessup discuss what you can expect while waiting for your disability insurance claim decision. Learn the factors that effect a disability insurance claim decision, what an “Elimination Period” is, and stalling tactics the carriers take advantage of.


Continue Reading How Long Does Long Term Disability Take to Process?