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Fibromyalgia and chronic fatigue syndrome (CFS) can make full-time work feel impossible. Pain, exhaustion, and cognitive fog fluctuate daily, often with little warning. For individuals pursuing long-term disability (LTD) benefits under ERISA, these conditions present unique challenges. Insurers frequently dismiss fibromyalgia and CFS symptoms as “subjective” because they lack a […]

Long-term disability (LTD) benefits provide vital financial support when someone can no longer work because of serious health conditions. For many Philadelphia families, these benefits cover rent, groceries, and medical care during times of crisis. But for those living with mental health conditions, LTD policies often carry harsh restrictions that […]

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 […]