Social Security disability claims are often incorrectly denied because Social Security determines that a claimant has a higher residual functional capacity (or ability to work) than he or she actually does.  If this is the reason why your claim has … Continue reading →

  As part of the process of determining whether you are entitled to Social Security disability benefits, the Social Security Administration will evaluate your physical residual functional capacity or RFC.  Your physical RFC is a measure of how much exertion … Continue reading →

To make a claim for long-term disability insurance benefits, you will typically need to submit to the Claims Administrator a claim form, a statement from your doctor, and a statement from your employer.  The insurance company will provide you with … Continue reading →

  The first step in making a claim for long-term disability benefits is to obtain the proper forms from the insurance company. Typically, the insurance company will require (1) a claim form completed by you, (2) an attending physician statement … Continue reading →

  Several conditions or circumstances may cause the denial of your claim for long term disability benefits. For example, an insurance company may exclude from coverage a disability caused by a pre-existing condition or a mental condition. In addition, self … Continue reading →

It is important to understand long-term disability policy terms, because the terms can affect whether you are eligible to receive disability benefits under the policy. For example, the policy may specify that the claimant must have been a full-time employee … Continue reading →

If you have a group long-term disability policy provided by your employer, it is probably an ERISA policy. Trying to read and understand an ERISA policy can be confusing. However, as an experienced Albuquerque disability lawyer, I believe it is … Continue reading →

There are two different types of long-term disability policies: ERISA disability policies and private policies. ERISA stands for the Employee Retirement Income Security Act, a federal law that is supposed to protect employees’ rights under employer provided pension plans and … Continue reading →

If you have long term disability coverage, and you have recently been injured or become ill, you may be wondering if you are entitled to benefits.  The coverage provided by long-term disability income insurance policies varies a lot.  To determine … Continue reading →

There are many reasons to hire an experienced Taos disability lawyer to handle your long-term disability insurance claim. First, long term disability insurance companies are well-known for the shifty tactics they use to reject benefits for disabled workers who have … Continue reading →