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Law Office of Justin Frankel

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Site title: Disability Claim Lawyer | Law Office of Justin Frankel

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Understanding Your Rights When Filing a Long-Term Disability Claim

When disability prevents you from working, your long‑term disability (LTD) insurance benefits are meant to provide financial stability during an already challenging time. Unfortunately, many claimants encounter obstacles when seeking the benefits they are entitled to—delays, denials, or requests for excessive documentation. At the Law Office of Justin C. Frankel, P.C., we foc...


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Fighting the 24‑Month Mental‑Nervous Limitation in Long‑Term Disability Claims

Long‑term disability insurers increasingly rely on the 24‑month mental‑nervous limitation to cut off benefits for claimants whose disabilities involve depression, anxiety, PTSD, or other psychiatric conditions. For many policyholders, this limitation becomes the insurer’s default justification for terminating benefits—even when the true disabling condition is neurological, ph...


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How Surveillance Can Destroy Your Long-Term Disability Claim

Insurance companies frequently rely on surveillance to undermine long-term disability (LTD) claims. While many claimants assume that surveillance is rare—or that they have nothing to worry about if they are truthful—these tactics can be highly misleading and are often used to deny or terminate legitimate disability benefits.


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Your Doctor’s Role in a Successful Disability Insurance Claim

When you file a long‑term disability insurance claim, your doctor becomes one of the most important contributors to your case. At the Law Office of Justin C. Frankel, P.C., we regularly see claims denied not because someone isn’t truly disabled, but because their medical documentation doesn’t fully support the severity of their condi...


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5 Disability Insurance Policy Clauses You Should Review Before Filing a Claim

When a disability prevents someone from working, their disability insurance policy becomes one of the most important financial protections they have. Yet many claimants do not realize how complex these policies can be or how certain clauses can dramatically affect the success of a disability claim. At the Law Office of Justin C. Frankel, P.C., we see...


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