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The short answer: A disability denial letter tells you, or should tell you, exactly what you are up against: the policy provisions the insurer relied on, the medical and vocational opinions behind the decision, and your deadlines. Read it closely before you respond, because what you send next often becomes the record your claim lives… read more
The short answer: Your long-term disability policy is built from a handful of defined terms. The elimination period sets how long you wait before benefits start, the benefit period sets how long payments can last, and the definition of disability decides whether you qualify at all. Read those three closely, then read every rider. The… read more
The short answer: “You can perform sedentary work” answers a question your policy may not ask. An own-occupation policy pays when you cannot perform the material duties of your occupation, not when you cannot perform any job in the economy. If your denial letter leans on “sedentary capacity,” check which definition you actually bought before… read more
The short answer: Keep the denial letter, get your complete policy, request your claim file, calendar every deadline, stay in treatment, and talk to a policyholder lawyer before you appeal. What you do in the first two weeks after a disability denial shapes everything that comes after, including whether a lawsuit is winnable later. The… read more
Two sisters from San Bernardino won an $18 million verdict after being lowballed by their insurance company. Watch the full video on YouTube.
