Disabling Conditions & Treatment

• Is it legal to limit disability insurance benefits to 24 months for mental nervous claims?

  The question listed below was recently posted on our disability blog, but since it is a question that we receive on a weekly basis, we decided to make it a frequently asked question. Thank you...
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• If I can not afford medical treatment can I still collect disability insurance benefits?

  Disability attorney Cesar Gavidia discusses what options a claimant may have if they are unable to pay for their doctor’s visits. Insureds often find themselves in the dilemma of not being able to afford their...
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• If I am physician claiming long term disability, can I treat myself?

  Disability attorney Gregory Dell discusses whether a physician claiming long term disability can treat themselves. The answer to this question is that even if you are a physician and you may know every single thing...
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• What are the most common disabling conditions for a long term disability claim?

  Disability attorney Gregory Dell discusses some of the most common disabling medical conditions in a claim for long term disability benefits. There are generally two sources of disability. Number one is accidents and number two...
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• What type of doctor should I be treating with in order to claim long term disability benefits?

  Disability attorney Gregory Dell discusses what type of doctor a claimant should be treating with in order to claim long term disability benefits. Disability claimants often call us and ask what type of doctor they...
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• How can the disability insurance company deny my claim if my doctor has not released me to return to work?

  Disability attorney Stephen Jessup discusses a disability insurance companies right to deny a claim even though the claimant has not been released to return to work by their doctor. We get a lot of calls...
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• Can the disability insurance company require me to have surgery in order to collect disability benefits?

  Disability attorney Gregory Dell discusses whether a disability insurance company can require a claimant to undergo surgery in order to collect disability benefits. The disability carrier cannot require you to undergo surgery. There is always...
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• How often does the disability insurance company expect a disability claimant to treat with a doctor?

  Disability attorney Gregory Dell discusses how often a disability insurance company requires a claimant to treat with a doctor. The disability insurance company will have different expectations as to how long you should treat with...
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• Should bipolar disorder be classified as a mental nervous condition and limited to 24 months of benefits?

  Attorneys Dell & Schaefer often battle with disability insurance carriers in determining whether bipolar disorder is a mental nervous condition or an organic brain disorder. In a long-term disability policy a mental nervous condition is...
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• What types of medical conditions are most commonly challenged by disability insurance companies?

  The claims most commonly challenged by the disability insurance carriers are the claims that are subjective in nature, claims that don’t have objective medical proof, such as MRIs or x-rays that can show for instance...
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• How important is the support of my treating physician?

  There is what I consider to be a very high threshold to get approved for long term disability benefits. And probably what I would consider to be 80% of your chance of getting approved for...
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