Blog

Long-term disability benefits (LTD) are designed to protect you when illness or injury prevents you from working. But if you’ve filed or are considering filing an LTD claim in Philadelphia, you’ve probably run into some confusing policy language. Two terms matter more than most: “own occupation” and “any occupation” disability”. […]

If your disability insurance claim was denied, you still have an opportunity to fight back—but the way you prepare your ERISA appeal can determine whether you win or lose. Under the Employee Retirement Income Security Act (ERISA), your administrative appeal is the last chance to add evidence before your case […]

When you live with a serious medical condition that interferes with your ability to work, the last thing you expect is to be told your disability benefits are denied because there is “no objective proof.” Yet for many claimants in Philadelphia, this happens all too often. Insurance companies often lean […]

The lingering effects of COVID-19, often referred to as “long COVID,” have left thousands of individuals across Pennsylvania unable to work for extended periods. Symptoms such as chronic fatigue, brain fog, shortness of breath, and severe joint pain can make it impossible to return to daily routines, let alone maintain […]