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

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A Thorough Review Must Account for the Entire Claim File

In a recent ERISA long-term disability decision, a federal court reversed Equitable Financial Life Insurance Company of America’s termination of benefits and returned the claim to the insurer for further review. The court found that the insurer’s medical review failed to meaningfully address evidence of the claimant’s m...


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For many dentists, an individual disability insurance (IDI) policy is one of the most valuable financial protections they own. However, when a disability occurs, many claimants are surprised to learn that proving an own-occupation disability claim involves far more than submitting medical records.

Insurance companies often request extensive documentation, including:


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Long-term disability benefits do not begin as soon as you stop working. A long-term disability policy generally requires you to remain disabled for a set period before benefits become payable.

Bills do not pause while you wait. Mortgage and car payment...


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You paid into a long-term disability policy for years. Now the insurer has denied, delayed, or terminated your claim, and the explanation does not match the medical reality you live with every day. Because the covera...


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