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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 […]

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 […]