General Questions

• Will a disability insurance company watch me on Facebook or other social media sites?

  Disability insurance companies will are investigating disability insurance claimants on all social media sites, including; Facebook, Linkedin, Google+, etc. In this video Nationwide Disability Insurance Attorney Gregory Dell discusses the precautions that all disability insurance...
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• How can a claimant exclude their disability insurance benefit payments from Federal Income Tax?

  As disability lawyers we do not provide any tax advice. We are routinely asked about the tax implications of disability insurance benefits. In an effort to provide some answers in this area we reached out...
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• Are Disability Insurance Benefits Taxable?

  This is a question that should be answered by a tax advisor. As disability insurance lawyers we are not authorized to give tax advice. The general rule is that if you use post-tax dollars to...
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• Will the disability insurance company pay my doctor to complete an Attending Physician Statement?

  Disability attorney Cesar Gavidia discusses whether your disability insurance company will pay your doctor to fill out the attending physicians statement requested by your disability insurance company. Clients ask me if the insurance company will...
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• How can one disability company approve my claim but my other disability company has denied my claim?

  Disability Insurance Attorney Stephen Jessup discusses the situation where a disability claimant with multiple disability policies has the claim approved by one disability company but denied by a different company. It is a common occurence...
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• What does it mean when a disability insurance company pays disability benefits under a “reservation of rights”?

  Disability attorney Cesar Gavidia discusses what it means when a claimant receives payment under a “reservation of rights”. Payment under reservation of rights can continue from up to three months to six months, even up...
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• Can I earn money while I collect long term disability benefits?

  Disability attorney Gregory Dell discusses if a claimant is able to earn income while receiving long term disability benefits. Disability claimants often ask me if they can earn money through some other method besides just...
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• Why does the disability insurance company request my tax returns?

  Disability attorney Stephen Jessup discusses why a disability insurance company will request a claimants tax returns. The insurance companies are going to ask for your tax returns for a handful of reasons. First and foremost,...
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• Do I need to send the “medical authorization release” form to the disability insurance company?

  Disability attorney Gregory Dell discusses why a claimant must be careful when returning the “medical authorization form” to thier disability insurance company. You need to be extremely careful in returning these medical authorization forms to...
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• How do I determine my date of disability?

  Disability attorney Stephen Jessup discusses how difficult it can be for a claimant to determine their date of disability. Determining the date of disability can be a complicated process. Obviously, if you’ve been in a...
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• Can I do volunteer work while I am collecting long term disability benefits?

  Disability attorney Gregory Dell discusses if a claimant is able to participate in volunteer work while collecting disability benefits from their disability insurance company. Many of our clients will ask us if they can engage...
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• What are the five most common reasons for a long term disability insurance claim denial?

  Disability attorney Gregory Dell discusses the five most common reasons a long term disability insurance claim is denied. Claimants often ask me what are the most common reasons for a long-term disability claim denial, so...
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• How do I obtain a copy of my long term disability insurance policy or disability plan?

  The answer to this question depends on whether you purchased an individual disability policy or an ERISA governed group long term disability plan. If you have an individual disability policy then you should either call...
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• If I am already receiving long-term disability benefits, what actions can I take to help prevent denial of disability benefits?

  In order to help avoid denial by a disability insurance company here are a few actions a claimant can take: See your treating physicians at least once every 3 months; Make sure your treating physician...
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• Do you need to suffer a loss of income to collect disability income payments?

  Under many policies if you are unable to perform the substantial and material duties of your occupation, then you do not need to suffer a loss of income in order to collect total disability benefits....
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