By Matthew DeGioia, (301) 563-6685 Has your insurance company denied your claim for Long Term Disability insurance benefits? Before filing your appeal, you may want to consider undergoing a Functional Capacity Evaluation (FCE). An FCE is an extensive physical...
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, (301) 563-6685 An Attending Physician Statement form (APS) is one of the main ways that an insurance company obtains information about your medical status. An APS may be requested by insurance companies when you apply for short-term disability (STD)...
By Peter Casciano, Esq., 301.563.6685 Your Doctor Failed to Fill out the Required Form – It is very common for treating physicians to resist completing your LTD form required for your application. The forms can be tricky, time consuming and there is often a lot at...
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...
