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When pursuing a long term disability claim, your insurance company may require you to attend an Independent Medical Examination (“IME”).  This examination is not conducted by your own treating physician but by a doctor selected by your insurer.  Ostensibly, the purpose of the IME is to offer an independent assessment of your medical condition.  However, it’s important to approach this with caution as the doctor is paid by the insurance company.

Understanding the impact of Cost of Living Adjustments (“COLAs”) on your long term disability benefits is crucial for maintaining financial stability over time.  COLAs are designed to ensure that your benefits keep pace with inflation, preserving your purchasing power as the cost of goods and services rises. We explore how COLAs are determined and applied, their interaction with other benefits like Social Security Disability, and what to do if you believe your COLA adjustmen

Long Covid can leave you with persistent, debilitating symptoms that severely impact your ability to work.  Navigating the complexities of short and long term disability claims can be overwhelming, especially when dealing with an illness that is still not fully understood by the medical community and insurance companies alike.  At The Maddox Firm, we have experience handling short and long term disability claims for Long Covid, ensuring that our clients receive the benefits t

Your employer plays a crucial role in your long term disability claim. Whether you’re concerned about how your employer’s documentation might impact your claim, whether your employer can influence the approval or denial of your benefits, or what happens if your employer is uncooperative, it’s important to be informed. In this article, we’ll addresses key considerations that can affect your long term disability claim and your employment status.

How often do you need to see your doctor to ensure that your claim remains valid and that you receive the benefits you deserve? In this article, we’ll explore why frequent doctor visits are essential, how the nature of your disability may impact the frequency of these visits, and what you should discuss with your doctor during each appointment to keep your claim on track.

This article aims to guide you through the key aspects of proving your sarcoidosis short or long term disability claim, including understanding the challenges, meeting the eligibility criteria, gathering essential documentation, and effectively communicating your case to your insurance company.

Successfully navigating the disability claims process with scleroderma involves a thorough understanding of the medical and vocational documentation required and the specific hurdles that may arise.  In this article, we’ll discuss essential information necessary for those with scleroderma to increase their chances of a successful outcome for their short or long term disability claim.

This article aims to guide you through the intricacies of communicating with your long term disability insurer, ensuring you provide enough information to support your claim while safeguarding your personal details.  We’ll explore the types of information to include in updates, the risks of sharing too much, and the consequences of not sharing enough, providing you with the knowledge to manage your interactions with your insurer effectively.

One of the most important factors in your long term disability claim is your relationship with your treating physician.  Your doctor plays a crucial role in diagnosing your condition, prescribing treatment, and documenting your functional limitations and restrictions to your insurance company.

Bonuses can affect your long term disability claim or your LTD benefit amount. Consult policy language and a long term disability lawyer.

Complex Regional Pain Syndrome (“CRPS”) is a profoundly debilitating condition that can cause intense pain and a cascade of physical and...

The importance and benefits of short and long term disability insurance for ophthalmologists and how to prove an LTD claim.

The difference between long term disability insurance and Social Security Disability, and why your LTD insurer requires you to file for SSDI

Answers to common questions about filing for long term disability due to Alzheimer’s Disease, what evidence you can use to support your clai

Vestibular tests can bolster a long term disability claim by providing evidence of the cause of balance, dizziness, or vertigo symptoms.

We explain disability insurance for dentists: purchasing your own, how to file and win a claim, and how to appeal a denial.

Epstein-Barr virus can lead to both short and long term disability. Here are strategies and evidence you need for your claim.

Filing a long term disability claim as an emergency room doctor can be complex. Understanding the nuances of your policy is crucial.

Lack of evidence is an obstacle to a long term disability claim. Many conditions cause only subjective symptoms. A symptom diary can help.

Navigating the long term disability claims process for multiple sclerosis can be complex.  Get answers to common questions, learn strategies

A tilt table test is objective evidence for a disability claim if you suffer from chronic dizziness, fainting spells, or low blood pressure.

Exploring common knee disorders leading to disability, how work can be affected, short vs long term disability and medical evidence required

Your long term disability insurance company might deny your claim if your condition fits within the pre-existing condition policy provision.

Navigating an “Any Occupation” long term disability claim versus an "Own Occupation" claim can be an overwhelming and stressful experience.