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How To Prepare For An SSA Physical Exam

Preparing for a Social Security Administration (SSA) physical exam, also known as a consultative examination (CE), is essential for anyone applying for Social...

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How To Prepare For An SSA Physical Exam

Preparing for a Social Security Administration (SSA) physical exam, also known as a consultative examination (CE), is essential for anyone applying for Social...

Ortiz Law Firm Wins Long-Term Disability Appeal for RN

We recently won a significant victory for a client who was wrongfully denied long-term disability (LTD) benefits by New York Life (NYL).Our client,...

Nurse from Pennsylvania Loses ERISA Disability Benefits Case Against Reliance Standard

Court: United States District Court, Eastern District of PennsylvaniaInsurance Carrier: Reliance Standard Life Insurance Company, or RSLIPlaintiff’s Employer: Abington HealthPlaintiff’s Occupation: Registered NurseBackground...

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7 of Your Legal Rights Concerning Your Claim for Long-Term Disability

Here is a list of your legal rights concerning your claim for long-term disability insurance benefits. This is not a complete list but...

Long Term Disability vs. Long Term Care: The Key Differences

As we navigate through life, there are various types of insurance policies available to safeguard our financial well-being and provide peace of mind....

Disability Insurance Case Study #1: Driving History

You most likely know that your health is a factor in determining whether or not you will be approved for disability insurance. Pre-existing...

How to Appeal a Guardian Long-Term Disability Denial

With more than $23 million in in-force premiums, Guardian Life Insurance Company (often through its subsidiary Berkshire Life Insurance Company) is one of...

Your Date Last Insured in Social Security Disability Claims

Understanding the Date Last Insured (DLI) is crucial when applying for Social Security Disability Insurance (SSDI). The DLI serves as a cutoff point...

Securing Your Home: Understanding Disability Mortgage Insurance

When it comes to protecting your home and your family’s financial well-being, mortgage insurance can be a crucial element in your financial plan....

Anatomy of Group vs. Individual

The Unum plan’s monthly premium was approximately $259.58 for $7,500 monthly benefit. Ameritas has approved the client for a $6,000 benefit for a...

Do You Need Specialty-Specific Disability Insurance?

If you’re a physician, lawyer, dentist, or other high-income professional working in a complex field, you shouldn’t go without robust long-term disability insurance...

Social Security Disability Video Hearings

Social Security Disability video hearings have become an increasingly common way for claimants to present their cases to administrative law judges. With the...

The Key to Financial Security: Principal Disability Insurance

For many individuals, the ability to earn an income is their most valuable asset. However, life is unpredictable, and unexpected disabilities can disrupt...

Resident & Fellow Disability Insurance

If you develop an unexpected medical condition, whether it’s a sickness or injury, that prevents you from working, your obligations won’t just disappear...

What Financial Advisors Need to Know About Long-Term Disability Insurance

According to Northwestern Mutual’s 2023 Planning & Progress Study, an estimated 37% of American adults work with a financial advisor. The rates certainly...