A short-term disability does not qualify as a disability for either SSDI or SSI benefits. But you do have other options. The Social Security Administration (SSA) has two disability programs that offer benefits to individuals with disabilities: SSDI pays benefits to individuals with disabilities and certain members of their families if they have worked long […]
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Unum Disability Claim Denials
Disability insurance can be incredibly important. This type of policy, offered in both short-term and long-term versions, provides benefits in the event that you are unable to work due to an illness or injury. Having disability insurance can remove the burden of financial stress at a time when you should be focusing on your health. […]
Continue ReadingHow Long Do Long-Term Disability Benefits Last?
While many of us would like to believe that we are infallible, the reality is that we are all human. No matter how healthy you may be, there is no guarantee that you will remain that way. In fact, approximately 25% of 20 year olds can expect to be out of work for at least […]
Continue ReadingDo Long-Term Disability Benefits Have to Be Paid Back If I Start Receiving Social Security?
If you become disabled due to an illness or injury, you may look to two different forms of benefits to support you financially while you are unable to work: long-term disability (LTD) insurance and Social Security disability insurance (SSDI). Each type of benefit has an important role to play for people with disabilities. Together, they […]
Continue ReadingWhat Medical Conditions Qualify for Long-Term Disability?
Long-term disability (LTD) insurance coverage is typically offered by your employer as part of a compensation package, although you can also purchase a plan directly from an insurance broker. LTD insurance protects you in the event of total or partial disability based on a qualifying condition through your policy. In short, if you are unable […]
Continue ReadingWhat Is the Difference and Choosing Between Long-Term Disability and Social Security Disability Insurance (SSDI)?
Finding yourself partially or totally disabled has devastating effects on your body and mind. Fortunately, there are resources and benefits for people who are unable to work due to an injury or medical condition. The most commonly used benefits are long-term disability insurance and Social Security disability insurance (SSDI). Both programs have their benefits and […]
Continue ReadingInsurance Companies Using Surveillance to Deny Disability Claims: Is It Legal?
Many of us view our insurance policies as something that is always there to protect us, and our insurers as an extension of that protection. Yet in reality, insurance companies are a business. Their job is to make a profit — not to give away money. Insurance companies that offer long-term disability insurance are no […]
Continue ReadingERISA Subrogation and Reimbursement
Being approved for disability benefits can be a challenging process, whether you are seeking long-term disability (LTD) benefits through work or Social Security disability benefits. For many people, seeking LTD benefits first makes sense, particularly because qualifying for Social Security can be a lengthy process. One of the concerns that may arise with seeking both […]
Continue ReadingLong-Term Disability Insurance in New Jersey
If you’re unable to work for an extended period of time due to a medical or mental health condition, you may be able to file a claim for disability benefits through your insurance company. These policies are often offered through employers as part of a benefits package. Alternatively, individuals may purchase their own long-term disability […]
Continue ReadingLong Term Disability Lawyers in New Jersey
The experienced long-term disability lawyers at Bross & Frankel have represented thousands of clients in more than twenty years of practice. We advocate for people who have individual disability policies, as well as those with group disability policies offered through their employers. The long-term disability insurance attorneys at Bross & Frankel can help you receive […]
Continue ReadingAbout The Attorneys
David S. Bross and Richard L. Frankel are trial attorneys in private practice, who concentrate in Social Security Disability/SSI claims, Veterans Benefits, and disability insurance (LTD) claims.* The firm maintains offices in Cherry Hill, Mount Holly, and Philadelphia, along with “satellite” offices at other locations throughout New Jersey and Pennsylvania. The attorneys have represented thousands […]
Continue ReadingWhat Is the Difference between “Own Occupation” and “Any Occupation” in Long-Term Disability Insurance Policies?
Your long-term disability insurance (LTD) policy likely defines disability based on whether are able to perform your “own occupation” or “any occupation.” You probably want to know — and need to know — what the difference is between “own occupation” and “any occupation” in long-term disability insurance policies and what each term means. Those provisions […]
Continue ReadingHow to Apply for Long-Term Disability in New Jersey
If you are disabled from working, you may well be depending on receiving long-term disability benefits through a policy provided by your employer. Knowing the right steps and timeframe in which to apply for long term disability benefits (LTD benefits) can make all the difference in being approved for benefits when you need them most. […]
Continue ReadingCommon denial tactics by insurance companies
Why are LTD disability claims usually terminated or denied? Every claim is decided individually, but long-term disability insurance companies often follow the same playbook when coming up with reasons to deny benefits. Finding a long term disability lawyer who knows that playbook can help you respond quickly and effectively to a wrongful denial of your […]
Continue ReadingDisability Insurance: More Important Than Life Insurance?
By David S. Bross, Esquire While most Americans insure their lives and material assets, like their homes, cars, etc., many overlook the need to protect their most valuable asset — the ability to earn an income. According to Kenneth Podell, CLU, a financial advisor with Mass Mutual, insurance claims studies indicate that the odds of […]
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