Answers from disability insurance attorneys on claim denials, ERISA appeal deadlines, lawsuits, benefit offsets, and short-term and long-term coverage ruleshttps://www.disabled-world.com/disability/insurance/claims/en-usThu, 06 Aug 2026 20:13:09 GMTClaimsKentucky appellate court reverses Liberty Life's denial of mental illness disability benefits, finding insurer's expert applied wrong standards under ERISAhttps://www.disabled-world.com/disability/insurance/claims/liberty-life.phphttps://www.disabled-world.com/disability/insurance/claims/liberty-life.phpTue, 26 Aug 2014 14:55:00 GMTDisabled WorldClaimsCigna Insurance agreed to a $1.675M settlement and must re-evaluate thousands of wrongfully denied long-term disability claims following multi-state investigationhttps://www.disabled-world.com/disability/insurance/claims/cigna-denied.phphttps://www.disabled-world.com/disability/insurance/claims/cigna-denied.phpFri, 31 May 2013 09:39:00 GMTDisabled WorldClaimsFederal ERISA law requires disability benefit appeals within 180 days of denial. Missing this deadline eliminates your right to sue for wrongfully denied claimshttps://www.disabled-world.com/disability/insurance/claims/appeal.phphttps://www.disabled-world.com/disability/insurance/claims/appeal.phpTue, 12 Feb 2013 07:47:00 GMTDisabled WorldDental - Doctor InsuranceA dentist's $10,000 monthly disability benefit from Standard Insurance was reduced by $1,500 due to policy language and ERISA discretionary clause provisionshttps://www.disabled-world.com/disability/insurance/dental/drilled.phphttps://www.disabled-world.com/disability/insurance/dental/drilled.phpFri, 01 Jun 2012 09:58:00 GMTDisabled WorldClaimsExplores tactics used by disability insurers to deny claims, including selective medical reviews and surveillance, highlighting challenges faced by claimantshttps://www.disabled-world.com/disability/insurance/claims/denying.phphttps://www.disabled-world.com/disability/insurance/claims/denying.phpFri, 11 Nov 2011 11:16:00 GMTDisabled WorldClaimsLegal team overturns insurer's denial of disability benefits for attorney with Stage III breast cancer, emphasizing the importance of medical evidence in claimshttps://www.disabled-world.com/disability/insurance/claims/overturned.phphttps://www.disabled-world.com/disability/insurance/claims/overturned.phpMon, 17 Oct 2011 13:56:00 GMTDisabled WorldClaimsIn 2010, over $8.3 billion was paid in long-term disability claims to 587,000+ individuals, highlighting key trends and the importance of financial preparednesshttps://www.disabled-world.com/disability/insurance/claims/paid.phphttps://www.disabled-world.com/disability/insurance/claims/paid.phpTue, 04 Oct 2011 18:18:00 GMTDisabled WorldClaimsDentists with chronic pain from repetitive procedures often encounter policy restrictions and insurer tactics when filing disability insurance claimshttps://www.disabled-world.com/disability/insurance/claims/dentist-claims.phphttps://www.disabled-world.com/disability/insurance/claims/dentist-claims.phpSat, 23 Apr 2011 16:07:00 GMTDisabled WorldClaimsReal case study reveals how CIGNA wrongfully denied long-term disability benefits and how proper appeal with medical evidence led to claim approvalhttps://www.disabled-world.com/disability/insurance/claims/cigna.phphttps://www.disabled-world.com/disability/insurance/claims/cigna.phpTue, 19 Apr 2011 14:45:00 GMTDisabled WorldClaimsExplore disability insurance lump sum buyouts: understand one-time settlement payments, major insurers who offer them, and key considerations for claimantshttps://www.disabled-world.com/disability/insurance/claims/buyout.phphttps://www.disabled-world.com/disability/insurance/claims/buyout.phpSat, 16 Apr 2011 12:33:00 GMTDisabled WorldClaimsGuide detailing key steps and common pitfalls in filing disability benefits claims, emphasizing timely action and informed communicationhttps://www.disabled-world.com/disability/insurance/claims/filing-claim.phphttps://www.disabled-world.com/disability/insurance/claims/filing-claim.phpWed, 26 Jan 2011 16:50:00 GMTDisabled WorldClaimsDisability insurance provides partial wage replacement when workers cannot perform their jobs due to injury or illness, with varying coverage terms and conditionshttps://www.disabled-world.com/disability/insurance/claims/coverage.phphttps://www.disabled-world.com/disability/insurance/claims/coverage.phpMon, 17 Jan 2011 12:52:00 GMTDisabled WorldClaimsFunctional Capacity Evaluations assess physical work capabilities through testing, measuring results against sedentary, light, medium and heavy job standardshttps://www.disabled-world.com/disability/insurance/claims/functional-capacity.phphttps://www.disabled-world.com/disability/insurance/claims/functional-capacity.phpFri, 24 Sep 2010 18:44:00 GMTDisabled WorldClaimsWhether you can sue your long-term disability insurance company for bad faith or punitive damages depends on ERISA coverage and state-specific lawshttps://www.disabled-world.com/disability/insurance/claims/sue-insurance-company.phphttps://www.disabled-world.com/disability/insurance/claims/sue-insurance-company.phpTue, 21 Sep 2010 13:21:00 GMTDisabled WorldClaimsIllness causes 91% of long-term disability claims. Musculoskeletal issues lead at 22.6%, followed by cancer, cardiovascular disease, and other conditionshttps://www.disabled-world.com/disability/insurance/claims/disabling-conditions.phphttps://www.disabled-world.com/disability/insurance/claims/disabling-conditions.phpMon, 20 Sep 2010 13:48:00 GMTDisabled WorldClaimsSocial Security disability approval doesn't guarantee private disability insurance benefits due to differing standards, policy exclusions, and time limitshttps://www.disabled-world.com/disability/insurance/claims/insurance-company-claim.phphttps://www.disabled-world.com/disability/insurance/claims/insurance-company-claim.phpMon, 20 Sep 2010 13:17:00 GMTDisabled WorldClaimsA Functional Capacity Evaluation tests physical work abilities against DOL standards, but results can help or hurt disability insurance claims significantlyhttps://www.disabled-world.com/disability/insurance/claims/functional-capacity-exam.phphttps://www.disabled-world.com/disability/insurance/claims/functional-capacity-exam.phpMon, 20 Sep 2010 11:13:00 GMTDisabled WorldClaimsGuidance on choosing the right medical specialist to strengthen your long-term disability benefits claim and improve approval chances for your conditionhttps://www.disabled-world.com/disability/insurance/claims/doctor-type.phphttps://www.disabled-world.com/disability/insurance/claims/doctor-type.phpMon, 20 Sep 2010 10:16:00 GMTDisabled WorldClaimsDisability insurance medical authorization forms often request financial records, employment data, and credit reports beyond medical information alonehttps://www.disabled-world.com/disability/insurance/claims/medical-authorization-release.phphttps://www.disabled-world.com/disability/insurance/claims/medical-authorization-release.phpMon, 20 Sep 2010 09:58:00 GMTDisabled WorldClaimsSelf-reported condition limitations in group disability policies cap benefits at 24 months for chronic pain, fibromyalgia, CFS, and similar diagnoseshttps://www.disabled-world.com/disability/insurance/claims/condition-limitations.phphttps://www.disabled-world.com/disability/insurance/claims/condition-limitations.phpMon, 20 Sep 2010 08:10:00 GMTDisabled WorldClaimsExpert guidance on volunteering while receiving long-term disability payments and how insurance carriers may evaluate volunteer activities against claimshttps://www.disabled-world.com/disability/insurance/claims/volunteer-work.phphttps://www.disabled-world.com/disability/insurance/claims/volunteer-work.phpSun, 19 Sep 2010 17:48:00 GMTDisabled WorldClaimsLong-term disability claims can be denied for pre-existing conditions. Requirements differ between private policies and ERISA employer planshttps://www.disabled-world.com/disability/insurance/claims/pre-existing-conditions.phphttps://www.disabled-world.com/disability/insurance/claims/pre-existing-conditions.phpSat, 18 Sep 2010 10:55:00 GMTDisabled WorldClaimsGuidelines on required doctor visit schedules for disability claimants: monthly visits for psychiatric conditions, quarterly for physical disabilitieshttps://www.disabled-world.com/disability/insurance/claims/visit-doctor.phphttps://www.disabled-world.com/disability/insurance/claims/visit-doctor.phpFri, 17 Sep 2010 19:06:00 GMTDisabled WorldClaimsDiscover the most frequent causes of long-term disability insurance claim denials, from policy changes to surveillance and medical documentation gapshttps://www.disabled-world.com/disability/insurance/claims/insurance-denial.phphttps://www.disabled-world.com/disability/insurance/claims/insurance-denial.phpFri, 17 Sep 2010 11:42:00 GMTDisabled WorldClaimsExpert guidance on establishing your disability onset date for long-term disability claims, including documentation requirements and policy considerationshttps://www.disabled-world.com/disability/insurance/claims/date-of-disability.phphttps://www.disabled-world.com/disability/insurance/claims/date-of-disability.phpFri, 17 Sep 2010 11:27:00 GMTDisabled WorldClaimsResidual disability benefits provide partial income when workers can't perform all job duties. Understand calculations, documentation, and eligibility ruleshttps://www.disabled-world.com/disability/insurance/claims/residual-disability.phphttps://www.disabled-world.com/disability/insurance/claims/residual-disability.phpThu, 16 Sep 2010 16:46:00 GMTDisabled WorldClaimsExpert guidance on ERISA disability appeals explains why professional legal representation is critical when your claim denial goes to federal court reviewhttps://www.disabled-world.com/disability/insurance/claims/erisa-appeal.phphttps://www.disabled-world.com/disability/insurance/claims/erisa-appeal.phpThu, 16 Sep 2010 11:36:00 GMTDisabled WorldClaimsLong-term disability carriers evaluate benefit claims monthly, meaning approval can change despite initial eligibility extending to age 65 or beyondhttps://www.disabled-world.com/disability/insurance/claims/duration.phphttps://www.disabled-world.com/disability/insurance/claims/duration.phpThu, 16 Sep 2010 11:25:00 GMTDisabled WorldClaimsDisability insurance companies request tax returns to verify employment status, calculate residual benefits, and investigate pre-disability occupationshttps://www.disabled-world.com/disability/insurance/claims/insurance-tax.phphttps://www.disabled-world.com/disability/insurance/claims/insurance-tax.phpThu, 16 Sep 2010 11:09:00 GMTDisabled World