Blog

When applying for long-term disability (LTD) benefits, one of the most important details in your policy is how it defines disability. The terms “own occupation” and “any occupation” appear in many LTD and ERISA policy definitions, and they play a major role in whether your claim is approved or denied. […]

When you file for disability benefits, you expect the insurance company to fairly evaluate your medical evidence and documentation. However, many insurers actively search for reasons to deny valid claims, and social media has become one of their most powerful tools. Posts on Facebook, Instagram, or TikTok can be taken […]

If you’re receiving long-term disability (LTD) benefits and your insurance company suddenly schedules you for an Independent Medical Exam (IME), it’s important to understand what’s at stake. An IME is not truly “independent”; it’s a medical evaluation arranged and paid for by your insurer, often with the goal of reassessing […]

Depression is one of the most common mental health disorders in the United States, affecting millions of individuals every year. In Philadelphia, where the pace of life can be intense and stress levels high, whether you’re commuting through 30th Street Station or working long hours near Center City, mental health […]