By Molly Friedman, (301) 563-6685 Lack of Information About Your Policy and Application Process Most employer-sponsored long term disability benefit plans are governed by the Employee Retirement Income Security Act of 1974, known as ERISA. Under such plans, insurance...
By Matthew DeGioia, (301) 563-6685 Millions of Americans suffer from a wide variety of emotional illnesses. According to the National Institutes of Health, as of 2019, one in five U.S. adults lives with a mental illness, among whom 13.1 million struggle with serious...
By Molly Friedman, Esq., 301.563.6685 Talk to Your Treatment Providers It is essential that your medical records will reflect your inability to work. Building strong medical records is critical to the success of your LTD claim. Speak honestly during appointments about...
By Matthew DeGioia, 301.563.6685 Many employees receive an ERISA short term disability and/or long term disability insurance policy as a part of their employee benefit plan, but they don’t know exactly what they are entitled to when the time comes to apply for...
By Peter Casciano, Esq., 301.563.6685 Fact # 1: Getting off on the right foot with insurance companies is critical. The Long Term Disability application form must be completed correctly to maximize your chances of not having to file an administrative appeal of the...
By Peter Casciano, Esq. (301) 244-4523 pcasciano@a-f.net When a Long Term Disability (LTD) claimant cannot convince the insurance company to reverse their earlier denial decision, the only recourse left is to file in Federal Court. At this juncture the claimant is...
