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Info Library

Find answers to your disability claim questions.

Welcome to our Info Library.

The Info Library is a resource for people who have questions about disability insurance benefits, insurance companies, medical conditions, occupational demands, claims, appeals, and litigation.

Think of it as a practical guide to disability claims. Our goal is to explain common issues in clear, useful terms so you can better understand the process, the risks, and the decisions that may affect your benefits.

New articles are added regularly.

 

Category: Strategy

Long Term Disability Tip: Case Managers are NOT your Friend

Strategy

Your long term disability claim case manager is not your friend, your advocate, or your confidant. Don鈥檛 be fooled. No matter how empathetic, how friendly or how helpful your case manager appears to be, your case manager is your adversary. What you say, can and will be used against you in not only your claim, but in any legal proceeding in the future. Be careful.

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Long Term Disability Claimant Tip: Avoid the "Typical Day" Trap

Strategy

Disability insurance companies will often ask you to describe a "typical" day. This is a trap for claimants who suffer from a condition with variable symptoms. If you have such a condition, you generally have "bad" days and "better" days. You may have days when you are feeling so bad that you must stay in bed all day, but you may also have days in which you could perform limited activities. You should tell the insurance company both what you can do on your worst days and what you could do on your better or best days. Be careful about the terminology that you use. Do not substitute "good" day for "better" or "best" day. When you describe a day as a "good" day it implies that on those days you are symptom free, which may not be the case.

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How a Symptom Diary Can Strengthen Your Long Term Disability Claim

Strategy Strategy - Apply for Benefits Strategy - Evidence

Young tired man sitting at the table with laptop at homeIf you are filing a long term disability claim, one of the most important issues is proving how your symptoms affect your ability to work. A diagnosis alone is usually not enough. Your insurer will want evidence showing that your condition prevents you from performing the duties of your occupation on a consistent basis.

One of the most effective ways to document your limitations is by keeping a detailed symptom diary. A well-maintained symptom journal can help support your credibility, strengthen your medical records, and provide important evidence for your long term disability claim. 

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Long Term Disability Attorney

Strategy Strategy - Functional Capacity Evaluation Strategy - Evidence Strategy - Medical

Long Term Disability Attorney for Claims, Denials, and Appeals

If your disability insurance company is questioning whether you can continue working, the issue is rarely just your diagnosis. The real question is whether you can perform your job reliably, day after day, on a full-time basis.

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