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Qualifying for Long Term Disability After a Mild Traumatic Brain Injury

Long Term Disability for Stiff Person Syndrome: What You Need to Know

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

How Do I Prepare for An Independent Medical Examination (IME)?

Strategy Strategy - Medical Evidence Strategy - IME

What To Expect From An Independent Medical Examination (鈥淚ME鈥�)

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. 

 

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Can You Collect Both SSD and Long Term Disability (鈥淟TD鈥�) Benefits?

Strategy

Yes. The LTD benefit will typically just be offset and reduced by the SSD benefit, while crediting any SSD attorney fee award first.

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Disability Claims Amid COVID-19

Strategy Strategy - COVID-19

COVID-19 has created significant uncertainty surrounding group short and long term disability insurance benefits.  Get answers about from NYC's top long term disability attorneys below.

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Five Tips to Win A Long Term Disability Appeal

Strategy Strategy - Appeal a Denial

You must strategize to win your long term disability appeal under ERISA. One misstep is all it takes to result in a final denial necessitating litigation. These five steps will help you plan to win your long term disability appeal.  

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Is Your Disability Insurer Monitoring Your Social Media? [Insider Tips]

Strategy Strategy - Surveillance

It鈥檚 becoming increasingly common for long term disability insurers to spy on claimants鈥� social media accounts. Accessing social media accounts is generally an easy and inexpensive for insurers to get personal information about disabled claimants and their activities. Many social media profiles contain vast amounts of personal information from which the insurer may draw negative conclusions.

Unfortunately, it works. Every year, the insurance companies save money by denying claims based on evidence obtained during social media searches.

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