By Molly Friedman, Esq. The decision to apply for Long Term Disability is difficult and has significant implications for you and your family’s finances. 1. Review Your Policy If you are considering applying for Long Term or Short-Term Disability, the first thing...
8 Things You Should Know About Attending Physician Statements (APS) When you file your claim for short-term disability or long-term disability benefits, the insurance carrier will likely send you an Attending Physician Statement (APS) form for your treating medical...
By Peter Casciano, Esq. When you went to medical school, I am sure you did not imagine the amount of paperwork you would be required to do daily as a doctor. As a hospitalist once told me, you went to medical school to save lives, not to do homework. And yet, the...
By Peter Casciano, Esq. Over the years, I have seen ERISA Disability Insurance claimants inadvertently make costly mistakes when they are denied their Short-Term Disability and Long-Term Disability benefits. Here are seven strategies for you to consider if a...
By Peter Casciano, Esq. If you are thinking about applying for a Long-Term Disability Insurance claim, it is helpful to know what type of insurance you have. In general, there are two types of Long-Term Disability Insurance: ERISA disability insurance and individual...
By Peter Casciano, (301) 563-6685 Once approved for Long Term Disability, many issues and decisions can still arise. There are several common “benefits” associated with LTD benefits. The benefits are typically offered by the carrier once benefits begin....
