By Peter Casciano, Esq., 301.563.6685 There is no one way to prevail on an administrative appeal of a Long Term Disability (LTD) claim denial. In some cases, a more thorough explanation in support of the claim from a treating physician can do the trick. In some cases,...
By Elliott Andalman 301.563.6685 Federal Agencies and OPM have created a new obstacle to obtaining approval of your application for FERS disability retirement. To have your application approved, OPM must not only determine that you, the employee, are disabled to...
By: Elliott Andalman, Attorney at Law Many employers not only provide employees health insurance, but also Long Term Disability (LTD) insurance. LTD insurance is a valuable benefit of employment that pays a percentage of salary to an employee who becomes...
By Peter Casciano, Esq. (301) 244-4523 pcasciano@a-f.net In disability claims, it’s best to avoid pre-existing condition issues if possible. The simplest way to do that is to not file for disability benefits during the first year of long term disability...
By: Elliott Andalman, Attorney at Law Most LTD claims are made by employees covered under group policies issued by employers. The rules governing the administration of these claims are regulated by federal law, specifically ERISA (the Employee Retirement Income...
By Elliott Andalman, Esq. 301-563-6685 eandalman@a-f.net Long term disability benefit denial decisions are appealed to the federal court. Unfortunately for disabled individuals, the law that controls LTD appeals, ERISA (Employee Retirement Security Act) normally...