Welcome! The Info Library is an internet-based resource that addresses in one place your questions and concerns about disability benefits, disability insurers, your illness, your occupation, and filing a claim, appeal or litigation. In other words, a "Wikipedia" for disability claims. If you would like to automatically receive new posts, please subscribe below.
If you鈥檙e navigating a long term disability insurance claim鈥攚hether it鈥檚 through your employer (an ERISA policy) or a private individual disability insurance (IDI) policy鈥攜ou may be feeling overwhelmed. The process can be confusing, time-sensitive, and emotionally draining. Choosing the right disability insurance law firm can make a real difference in how smoothly your claim is handled and how well your benefits are protected.
While both Social Security Disability and Long Term Disability benefits are designed to provide income in the event of a medical disability, the programs differ in at least five different ways: (1) the way they are funded; (2) the standards of disability; (3) the eligibility periods; (4) the benefit amounts; and (5) the claim and appeal processes.
Below we expand on the five key differences between Social Security Disability and Long Term Disability benefits.
Many people assume that they can relax once their long term disability (鈥淟TD鈥�) claim is approved. While it鈥檚 true that winning your long term disability claim is a big hurdle, it doesn鈥檛 mean you鈥檙e entirely in the clear. Over time, your LTD insurer will continue to re-review your file and demand proof of your ongoing disability.
LTD insurers use a number of ploys to justify cutting off your benefits after your claim is approved. Below, the NYC long term disability attorneys at Riemer Hess will discuss the five most common tactics used by LTD insurers to terminate long term disability benefits.
Strategy Strategy - Medical Evidence Strategy - Functional Capacity Evaluation
When filing for long term disability, you may consider testing options such as the tilt table test to help bolster your disability claim. But how do you know if the tilt table test is right for you?
Your insurance company will demand strong medical proof of your inability to work in order to approve your disability benefits. While this may not be as much of a concern for easily evidenced disabilities, certain conditions are harder to prove than others. This is where a tilt table test may be beneficial for your disability claim.
The tilt table test results can provide strong evidence of conditions that cause dizziness and/or syncope (the medical term for unexplained fainting). Below we鈥檒l discuss what the tilt table test is, what it involves, and how it can help get your long term disability claim approved.
At any stage of the long term disability claim process, your insurer may schedule you for an Independent Medical Examination (also known as an 鈥淚ME鈥�). An IME is an examination done by a physician of the insurer鈥檚 choosing. The IME physician will then write a report for your insurer evaluating your condition and stating whether you are capable of working.
Despite the name, IME physicians are not truly independent or neutral. Many IME physicians perform hundreds to thousands of examinations for the insurer on an annual basis, meaning they are effectively on the insurer鈥檚 payroll. As a result, they have an incentive to discredit your disability.
However, there are steps you can take to prepare yourself before, during, and after an IME.
Below we鈥檒l answer common questions regarding IMEs and long term disability insurance claims.
Who are we?
糖心直播 is a national disability insurance law firm based in New York City. We represent professionals and executives in long term disability claims, including both ERISA group policies and private individual policies.
What makes us different?
We鈥檝e litigated more ERISA disability cases in the Southern District of New York than any of our competitors. For over 30 years, we've helped clients nationwide recover hundreds of millions in benefits, settlements, and judgments.
Why do clients trust us?
Our reputation is built on a rare blend of empathy, legal skill, and fierce advocacy in disability insurance law.
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New York, New York 10017
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