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Info Library

 Clear Information About Long Term Disability Claims

The Info Library is a comprehensive educational resource for people navigating long term disability claims.

Here, you can learn how disability insurers evaluate medical conditions, occupational duties, policy language, medical evidence, appeals, benefit terminations, and litigation. Each guide focuses on a specific issue that may affect your eligibility for benefits or the strength of your claim.

Use the search feature above or browse the topic areas below.

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Diagnoses

A medical diagnosis can have a profound impact on your ability to work, but not every diagnosis is evaluated the same way by disability insurance companies.

Our diagnosis guides explain how specific medical conditions may affect your eligibility for long term disability benefits, the evidence insurers typically look for, and the unique challenges claimants often face throughout the claims process.

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Occupations

Your occupation is one of the most important factors in a long term disability claim. Disability insurance companies evaluate more than just your diagnosis; they assess whether your condition prevents you from performing the material duties of your specific occupation.

Our occupation guides explore the unique demands of different professions and the evidence that can help support a successful disability claim. Whether you are filing an initial claim, appealing a denial, or protecting ongoing benefits, understanding how your occupation is evaluated is essential.

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Insurers

The insurance company handling your long term disability claim can significantly impact your experience throughout the claims process. While every insurer evaluates disability claims differently, each has its own procedures, priorities, and common reasons for delaying, denying, or terminating benefits.

Our insurer guides examine the practices of major disability insurance companies, explain the challenges claimants commonly encounter, and provide insight into the strategies that can help strengthen your claim at every stage.

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Policy Terms

Your disability insurance policy is the foundation of your claim. The language in your policy determines who is eligible for benefits, how disability is defined, what limitations or exclusions may apply, and what evidence you need to provide throughout the claims process.

Our policy guides explain the key provisions found in many long term disability policies and help you understand how your policy can affect your eligibility, benefits, and claim strategy.

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Claim Strategies

Every long term disability claim presents unique challenges, and the steps you take throughout the process can have a significant impact on your ability to obtain and maintain benefits. Understanding how disability insurers evaluate claims can help you make informed decisions from the outset.

Our claim strategy guides cover important topics such as documenting your disability, working with your treating physicians, responding to insurer requests, preparing appeals, and protecting your benefits throughout the life of your claim.

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Litigation Issues

If your long term disability claim cannot be resolved during the administrative claims process, the next step may involve litigation or mediation. Understanding how these proceedings work can help you make informed decisions about your legal options and what to expect as your case moves forward.

Our litigation and mediation guides explain important legal concepts, court procedures, settlement discussions, standards of review, and other issues that may arise after a claim has been denied or terminated.

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Top 5 Tactics Long Term Disability Insurers Use to Terminate Benefits

Strategy - Medical Evidence Strategy - Appeal a Denial Strategy - IME Strategy - Insurer Tactics

Introduction

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.

 

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Top 10 鈥淩ed Flags鈥� That Endanger Long Term Disability Benefits

Strategy - Continuation of Benefits Strategy - Maintain Benefits Strategy - Red Flags Strategy - Insurer Tactics

Do you know the red flags that can trigger termination of your long term disability benefits after approval?  You should.  Raising just one of these red flags may be all it takes to be left without critical income for you and your loved ones.  Learn the top 10 red flags insurance companies use to terminate approved claims below.

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9 Common Mistakes in Long-Term Disability Insurance Applications

Strategy - Apply for Benefits Strategy - Evidence Strategy - Claim Forms Strategy - Red Flags Strategy - Insurer Tactics

To obtain , you must persuade the insurer that you meet the standard of disability in your policy or plan. Typically, you must prove that you cannot perform the material duties of your regular occupation. The insurer will rely heavily on your application and supporting materials to make its decision. A thorough, timely application significantly increases your chances of success.

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