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A “no new evidence” letter means the insurance company believes the information submitted does not change its prior decision. These letters appear during an appeal or after additional records are provided, and they signal that the insurer does not see a basis to approve or alter the claim. For disability […]

Part-time work, daily activity levels, and ongoing disability claims are closely connected in long-term disability cases. Insurers routinely examine what a person does each day and whether they retain any capacity to work when deciding whether benefits should continue. For claimants receiving long-term disability (LTD) benefits, especially under employer-sponsored plans […]

A disability claim in Philadelphia can become difficult when a treating doctor does not fully support the limitations being reported. Medical support is central to most disability insurance claims, but it is not the only form of evidence that matters. When a physician is hesitant, unresponsive, or unwilling to provide […]

Getting denied for disability benefits in Philadelphia can feel like a major setback, but it’s not always the end of the road. For many people, the appeal process opens a second chance to be heard. So why do some claims finally get approved while others still don’t? Often, it comes […]