Latest Blog Posts

November 21, 2024

What You Need to Know About Appealing an LTD Denial Based on “Objective Evidence”

If your long-term disability (LTD) claim has been denied because of a lack of “objective evidence,” you’re not alone. Insurance companies often use this reason to deny claims, especially for conditions like chronic...

November 14, 2024

What to Do When Your Long-Term Disability Benefits Are Suddenly Terminated

If you’ve been receiving long-term disability (LTD) benefits, having them suddenly terminated can be devastating—both financially and emotionally. Insurance companies are often quick to cut off benefits, citing medical improvement, failure to...

November 7, 2024

10 Common Reasons Long-Term Disability Claims Are Denied—and How to Fight Back

Long-term disability (LTD) insurance is designed to provide financial support when you cannot work due to a disabling condition. However, insurance companies often deny valid claims, leaving claimants in a challenging situation....

Testimonials

I was so scared when my disability insurance company denied my claim. I had no idea how to prepare an appeal. I thought I would lose my house. They walked...

Former Client

I contacted Disability Insurance Law Group and they have been taking care of me since that first call. Alicia and her staff fought for me and kept me informed at...

Ms. B.

As a practicing general dentist for 35 years I did all the right things I was told to do by advisors. When I became unable to practice dentistry after a...

Dr. S.

My experience being a client of Ms. Mindy Chmielarz of Disability Insurance Law Group: I contacted Mindy from an advertisement after reviewing her AV rated status from her legal peers on...

Dr. JM

I realized one year ago I was going to need to file my disability claim and was urgently in need of expert legal counsel. My claim was extremely complicated and...

Dr. FM

am very grateful to Mindy Chmielarz for helping me with my disability claim. She is extremely experienced and knowledgeable in disability law. She was a tremendous asset and it was...

I worked as a teacher for 15 years. I was in a car accident and despite 3 surgeries, I remained in constant pain. I filed my claim for disability insurance...

Paula R.

I struggled to continue to practice as a dentist after I was diagnosed with MS. After I developed a tremor in my hands, I knew I could no longer treat...

Dr. G.

I never imagined that I would have to discontinue my medical practice due to a disability. Unfortunately it happened, but I had appropriate disability insurance coverage. I knew that proper...

Table of Contents

Filing a Claim for Benefits in Fort Lauderdale, Florida

One of the most important aspects of a claim for disability benefits is completing the application and submitting it to the insurance carrier. Your application can help you or haunt you throughout your claim.

While the application typically looks straightforward and easy to complete, the information you provide can mean the difference between proving your claim and foreclosing your right to benefits. As such, completing the application should not be taken lightly. The help of an experienced attorney who understands the process can be invaluable and may have a dramatic impact on the progress of your claim.

Remember, your insurance carrier created the application. Typically the format is set up to benefit your insurance carrier, not you. The success of your claim for disability benefits can hinge on clearly explaining how your condition affects your ability to perform your job. A single wrong statement by you or your physician can be disastrous to your claim.

Experienced Legal Help in the Application Process

At Disability Insurance Law Group, we understand the importance of the application process, the common tactics employed by insurance companies to delay and deny benefits, and what information is needed to prove your claim. Our attorneys represent clients in Florida and nationwide at all stages of the process, and many of our clients come to us before informing their insurance company of their claim.

Seeking representation early, before an issue is able to arise, can go a long way in preventing a delay or denial in payment which can be financially devastating to claimants.

Let Us Help With Your Disability Insurance Application

Please continue reading to learn more about your options in fighting a denied or delayed claim. If you need help to complete and submit an application for benefits, please contact Disability Insurance Law Group to schedule a face-to-face or telephone consultation with an experienced lawyer at one of our Florida offices. Or call us at 954-989-9000.