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Articles Posted in Long Term Disability Lawyer Tips

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Bring The Attending Physician Statement to Your Doctor Visit

The doctor is usually overwhelmed with patients and can make mistakes on your attending physician statement (APS). You should complete an APS with your doctor while he or she completes it. We have seen many long term disability benefit denials because the nurse completed the APS or the doctor rushed…

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Warn Your Doctor About Speaking With Your Disability Insurance Company

Disability insurance companies will call your treating doctor to discuss your disability insurance claim. Your doctor might not be prepared for the call and may say something that is detrimental to your disability benefits claim. You should tell your doctor to not speak with the insurance company. They should ask…

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What’s the Difference Between Residual and Total Disability Benefits?

Disability insurance attorney Gregory Dell discusses the difference between total and residual disability. The disability insurance companies might argue that a claimant is residually disabled and does not qualify for total disability. We have dealt with this issue a lot. Attorney Dell provides some tips for long term disability approval…

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Reason #1 for Disability Benefit Denial: The Paper Review and Independent Medical Exam

At Dell & Schaefer, we’ve been contacted by many disability claimants whose claims have been denied. Over the years, we’ve seen just about every possible basis for a disability benefit denial – and one of the most frequently-seen reasons involves the disability insurance carrier’s paper review and independent medical exam…

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Transitioning From Short to Long Term Disability

It is common for a disability insurance company to deny long term disability benefits when a person is transitioning from short to long term disability benefits. Many people are led to believe that if they were approved for STD then their LTD will automatically be approved. This is unfortunately not…

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Steps Claimants Should Know About Filing a Long Term Disability Benefits Appeal

If your request for long term disability insurance benefits has been denied, you may be wondering what your next steps should be. All disability insurance carriers have an appeal process, whether this means a mandatory internal appeal or a civil lawsuit – however, the deadlines for these appeals can be…

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