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Long Term Disability Law Blog

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Prepare for Change in Definition of Disability

One of the most common reasons a long term disability claim is denied is the change in the definition of disability. You should be prepared for this change. Watch disability attorneys Gregory Dell and Stephen Jessup discuss what to expect for the change of disability definition. We share some 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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Chronic Fatigue Syndrome Long Term Disability Insurance Claims

There is no single medical test that can confirm the diagnosis of chronic fatigue syndrome. For many patients it can take over a year before your doctor diagnoses you with chronic fatigue syndrome. Disability companies often try to argue that you have a mental condition and that your physical limitations…

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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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