Common Roadblocks in Long‑Term Disability Claims — and How the Law Office of Justin C. Frankel, P.C.
Feb 06, 2026
Insurance companies often delay, deny, or confuse the process — but you don’t have to face it alone. At the Law Office of Justin C. Frankel, P.C., we help clients nationwide overcome common roadblocks...
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How Chronic Pain and Fatigue Are Evaluated in Long‑Term Disability Claims
Feb 02, 2026
Chronic pain and chronic fatigue are two of the most common — and most misunderstood — reasons people file for long‑term disability (LTD) benefits. Yet they are also among the conditions most frequent...
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Why Claimants Should Hire a Vocational Expert When an LTD Claim Transitions to “Any Occupation”
Jan 30, 2026
When a long term disability (LTD) insurance claim transitions from an "own occupation" definition of disability to an "any occupation" definition, the stakes dramatically increase for claimants. This ...
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Why Procedure Codes Matter in Disability Insurance Claims
Nov 25, 2025
If you're a physician, surgeon, or healthcare professional filing a disability insurance claim, you may be surprised when your insurer asks for your procedure codes—also known as CPT codes. These aren...
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Why Tax Returns Matter in Disability Insurance Claims
Nov 20, 2025
When filing a disability insurance claim—especially for professionals, business owners, or high-income earners—tax returns are one of the most critical pieces of evidence. Whether you're pursuing a to...
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What Documents Are Needed for a Long-Term Disability Insurance Claim?
Nov 19, 2025
Essential Documents for Your LTD Claim Your LTD Insurance Policy and Summary Plan Description (SPD) • What qualifies as a “disability”
• The elimination period (waiting time before benefits begin)
•...
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