This discussion provides practical tips for people who are still working but considering filing for short or long-term disability. A key first step is getting a copy of the full disability policy (not just a short summary). For employer
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Long Covid Disability Insurance Benefits Tips
This video focuses on the big number of long COVID (long-haul COVID) disability claims and the challenges claimants face when seeking long-term disability benefits. The attorneys explain that while insurers are now more familiar with long COVID than in
Can Unum Deny Disability Insurance Benefits Without Examining the Claimant?
This video discusses Unum’s frequent practice of denying disability insurance claims based solely on “paper reviews,” where in-house or hired doctors review medical records without ever examining or speaking to the claimant. Long term disability attorneys Greg Dell and
LTD Lawyers Discussing the Voya Financial Disability Insurance Claim Denial
This video provides practical guidance for claimants who have been denied disability insurance benefits by Voya Financial. Attorneys Greg Dell and Alexander Palamara emphasize that the most important first step after a denial is to request and carefully review
Davies Group and Disability Insurance Claim Legal Help
Long term disability attorney Greg Dell and Stephen Jessup discuss Davies (formerly Disability Management Services) as a third-party administrator that handles long-term and short-term disability claims on behalf of insurance companies.
The Standard Long Term Disability Insurance Denial and Appeal Tips
Long term disability lawyers Greg Dell and Cesar Gavidia explain how The Standard handles long-term disability appeals and why claims are often denied.
Who Makes the Final Decision in Lincoln Financial Disability Insurance Denials?
Long term disability attorneys Greg Dell and Alex Palamara discuss why disability insurers like Lincoln often deny appeals even when multiple treating doctors support a claimant’s disability. Greg points out a common pattern: claimants may have four or five
Metlife Disability Insurance Appeal Tips
Disability insurance attorneys Greg Dell and Steven Jessup answer common questions about MetLife disability appeals, explaining that appeals can be won but require strong medical support, detailed documentation and careful preparation.
Can You Sue Lincoln Financial Without Submitting a Disability Insurance Appeal?
Disability insurance attorneys Greg Dell and Alex Palamara explain that under ERISA-governed group disability policies, a claimant cannot file a lawsuit immediately after a disability insurance denial. The law requires claimants to first file an administrative appeal with the
How Long Does it Take to Get a Decision on my Application for Disability Insurance Benefits?
We explain how long it typically takes to receive a decision on short-term and long-term disability benefit applications. Short-term disability decisions are usually quick—especially for clear, catastrophic injuries—but more routine conditions may take 1–2 weeks if proper medical documentation