Disability Insurance Benefit Tips

When it comes to securing your disability insurance benefits, it's vitally important that your disability insurance lawyer thoroughly understands the symptoms and impact of your disabling condition. Doctors can help you create strong medical records, but they're not accustomed to dealing with the rigorous documentation disability insurance companies require. Lea...

If you're seeking long term disability benefits from an insurance company, you may be concerned that you're facing an uphill battle. Fortunately, the stronger your medical evidence, the greater the odds that your claim will be approved. On the other side of the coin, one of the most common reasons for denial of long term disability benefits involves too-weak med...

When you're seeking disability insurance benefits, your medical records and treating physician's statement are two of the most important components of your claim. But because the insurance company has a vested interest in denying your disability insurance claim, it often will rely on tactics like ambushing your doctor with a phone call in an attempt to get them ...

One thing many disability insurance claimants don't know about (or expect) from the claims review process involves video and social media surveillance. Disability insurance carriers often hire people to follow claimants around with a telephoto lens - or even send social media friend requests from fake accounts - to glean whatever information they can about the c...

Getting a denial letter from your disability insurance company is one of the ultimate insults. You are sick and not able to work, yet your disability insurance company is telling you to return to work. The disability insurance company has denied your disability benefit claim and is basically calling you a liar. When receiving a disability denial letter or a ph...

One of the top reasons for terminating a claimant's long term disability benefits involves the change in the disability insurance policy's definition of "disability." This definition change often happens in conjunction with a vocational review, or an analysis of a claimant's medical records that tells the insurance company which jobs the claimant should be able ...

At Dell Disability Lawyers, we've seen insurance companies give countless reasons to deny long term disability benefits. However, most disability benefit denials tend to fall into one of a few categories - and one of the biggest ones is the paper review and independent medical exam (IME). Learn more about what this review process entails and what your claim file...

At Dell Disability Lawyers we’ve handled hundreds of long term disability insurance claims against Reliance Standard, and have learned a few things in the process. When you’re experiencing an injury or illness that makes it difficult (or impossible) to work, it can be tempting to file a claim as quickly as possible – but unless a claimant has all their ducks in a row, this could actually delay the ultima...

At Dell Disability Lawyers, we've helped hundreds of clients recover long term disability benefits from Standard Disability.What should you know about getting your Standard Disability long term disability claim approved?Understanding the Language in Your Standard Disability Policy Is EssentialGetting your long term disability claim approved on the fr...

When you finally receive a letter from Guardian Disability informing you that your claim for long term disability benefits has been approved, it can be easy to assume it's smooth sailing from here on out. Unfortunately, approval isn't the end of the story - and if the claimant doesn't maintain the medical records and other evidence to support their continued rec...

Every disability insurance policy is different, and whether your disability insurance claim is approved depends on many factors: the definition of disability in your policy, your medical condition, the thoroughness of your treating physicians in documenting your claims, and more. Our disability insurance attorneys at Dell Disability Lawyers have helped hundreds ...

One common question the attorneys here at Dell Disability Lawyers receive comes from policyholders with UNUM long term disability policies. These claimants want to know, “Is UNUM a "good" insurance company?” But what is this question really asking? Learn more about what claimants may be able to expect when filing a&nbs...

Disability insurance is one of the most important insurance products, yet the vast majority of people working don’t have it. 35% of employers in the USA offer disability insurance as an employee benefit and the coverage is referred to as a group disability insurance policy. Individuals also have the option to purchase an individual or private disability policy from an insurance agent.In this article:...

If you have a disability claim that involves neck pain, you might be wondering exactly how much neck pain does it take to get a long-term disability insurance claim approved? Despite what a disability insurance companies may lead you to believe, there is no machine or tool that allows you prove how much neck pain you have. So what evidence do you need to prove ...

Disability insurance also known as disability income insurance is an insurance product that will pay a monthly benefit amount if you are unable to work.Disability Income Insurance should not be confused with Social Security Disability Benefits, which are extremely difficult to get approved and limited in the amount of money paid each month. Social security disability is often inadequate in replacing your ...

2020 was a year of adjustment for everyone, including long term disability insurance companies. Now that 2021 is here, with some light at the end of the COVID-19 tunnel, these disability companies are beginning to adjust to a new way of working. Below, read more about what the long term disability insurance attorneys at Dell Disability Lawyers have observed in 2...

If you've recently received a disability insurance denial letter from Principal Disability or are worried that your claim for long term disability benefits is about to be denied, you may be wondering about your next steps. Here at Dell Disability Lawyers, we've helped thousands of disability claimants overcome an initial denial to eventually secure the long term disability insurance benefits they deserve. Lear...

Whether you're considering filing a long term disability insurance claim with Northwestern Mutual, have recently received a denial letter, or are just hoping to keep your current monthly disability benefits, it's a good idea to do your homework before you contact Northwestern. This disability insurance carrier has a reputation for being fair - especially when compared to some of the other biggest names in disa...

If you have an individual or group long term disability policy with Standard, you may assume that accessing these disability insurance benefits will be as easy as filling out the claim form and providing a release for your medical records. But regardless of which insurance carrier holds your policy, the disability process is rarely so simple. The below tips and ...

If you're a Prudential long term disability insurance claimant who has been on claim for a month or two, you may be interested in getting a lump sum buyout of your insurance policy. But although Prudential does offer this as an option for many claimants, it's never obligated to buy out disability claimants - and when it comes to your lump-sum disability buyout o...