Long Term Disability Lawyers, 1 Old Country Road, Carle Place, Carle Place, NY (2026)

09/02/2026

WHY ITS IMPORTANT FOR DENSITST TO SEEK LEGAL GUIDANCE PRIOR TO FILING A LONG TERM DISABILITY CLAIM
For many dentists, an individual disability insurance (IDI) policy is one of the most valuable financial protections they own. However, when a disability occurs, many claimants are surprised to learn that proving an own-occupation disability claim involves far more than submitting medical records.
Insurance companies often request extensive documentation, including:
• Tax returns and business financial records
• Production reports
• CDT procedure codes
• Practice revenue data
• Hygiene and associate production information
• Appointment schedules and procedural breakdowns
• Employment contracts and ownership documents
While these requests may appear routine, the information provided can significantly affect how the insurance company evaluates the claim.
A common mistake dentists make is assuming that financial and production records speak for themselves. In reality, insurers frequently analyze billing codes, procedure mix, time allocation, and income trends to determine whether the insured is truly unable to perform the material duties of their occupation. Without proper context, the data can be interpreted in a way that minimizes the severity of a disability or creates an inaccurate picture of the dentist's actual work responsibilities.
For example, a dentist who can no longer perform crown preparations, extractions, implant procedures, or other hands-on clinical duties may still have residual practice income. An insurer may attempt to use that income as evidence of work capacity unless the supporting documentation is carefully reviewed and properly explained.
An experienced long-term disability attorney can help identify potential issues before records are submitted, ensure responses are accurate and complete, and present occupational and financial evidence in a manner that reflects the reality of the dentist's disability. This is especially important in own-occupation claims, where the focus is not simply whether the dentist can work somewhere, but whether they can perform the substantial and material duties of their occupation as a dentist.
The strongest claims are often the ones that are prepared correctly from the beginning. Reviewing financial records, procedure codes, practice documents, and occupational duties before submission can help avoid unnecessary disputes and place the claim in the strongest possible position for approval.
Contact the Law Office of Justin C. Frankel, P.C. today for a free consultation and learn how an experienced disability attorney can help protect your rights and maximize your chances of success.
Justin C. Frankel is the founder of the Law Office of Justin C. Frankel, PC, a Long Island, New York headquartered law firm representing clients nationwide in disability insurance claims. For more information please go to our website www.jfrankellaw.com.

08/19/2026

From Denial to Reinstatement: Law Office of Justin C. Frankel, P.C. Secures Reinstatement of Wrongfully Terminated Short-Term Disability Benefits

At the Law Office of Justin C. Frankel, P.C., we routinely represent claimants whose disability benefits have been unfairly denied or terminated despite overwhelming medical support. In a recent matter, our firm successfully secured the reinstatement of a client's short-term disability benefits after Sedgwick wrongfully terminated the claim based on an incomplete and unsupported review of the evidence. The case highlights the importance of a comprehensive appeal that focuses not only on medical records, but also on the real-world impact a disabling condition has on an individual's ability to perform the duties of their occupation.
The Wrongful Termination
Our client had been receiving short-term disability benefits after becoming unable to work due to serious medically documented conditions. Despite continued treatment, ongoing symptoms, and supporting opinions from treating providers, Sedgwick terminated benefits before the client had recovered sufficiently to return to work. Like many disability claim terminations, the decision relied heavily on a paper review conducted by consultants who never personally examined the claimant and who discounted significant evidence from the treating medical providers.
The benefit termination failed to account for the totality of the medical evidence, disregarded documented functional limitations, and overlooked the actual requirements of the claimant's occupation. Rather than conducting a balanced assessment, the claim administrator selectively relied on portions of the record that supported denial while minimizing evidence demonstrating continued disability.
Our Appeal Strategy
The Law Office of Justin C. Frankel, P.C. developed a detailed and evidence-driven appeal challenging every aspect of Sedgwick's determination. Our team carefully reviewed the claim file and assembled a compelling record demonstrating that the claimant remained unable to perform the material duties of their occupation during the disputed period.
The appeal focused on several critical issues:
• Demonstrating that the treating providers consistently documented ongoing symptoms, restrictions, and limitations that prevented a return to work.
• Highlighting Sedgwick's overreliance on non-examining reviewers whose opinions conflicted with those of providers who had personally evaluated and treated the claimant.
• Showing that the insurer failed to adequately consider how the claimant's medical impairments translated into functional limitations in the workplace.
• Establishing that the denial was based on a selective and incomplete review of the record rather than a full and fair evaluation of all available evidence.
• Supporting the appeal with legal authority emphasizing the importance of considering treating provider opinions, subjective symptoms, and occupational demands when evaluating disability claims.
The Result
After reviewing our appeal submission and the extensive evidence supporting continued disability, Sedgwick reversed its prior determination and reinstated the claimant's short-term disability benefits. The successful outcome ensured that our client received the benefits they were entitled to receive while continuing treatment and recovery.
Why We Were Successful
This victory reflects a principle that guides every disability appeal our firm handles, insurers and claim administrators must evaluate the entire claim record, not isolated pieces of evidence that support a denial. By presenting a complete medical narrative, documenting functional limitations, addressing vocational demands, and holding the claims administrator accountable to its obligations, we were able to demonstrate that the termination decision could not withstand scrutiny.
At the Law Office of Justin C. Frankel, P.C., we understand that disability claims are about more than paperwork. They are about protecting the financial security of individuals who are unable to work because of legitimate medical conditions. When benefits are wrongfully denied or terminated, our firm works aggressively to build a persuasive evidentiary and legal record that gives our clients the best possible opportunity to obtain the benefits they deserve.
Contact the Law Office of Justin C. Frankel, P.C. today for a free consultation (516) 222-1600 and learn how an experienced ERISA disability attorney can help protect your rights and maximize your chances of success.
Justin C. Frankel is the founder of the Law Office of Justin C. Frankel, PC, a Long Island, New York headquartered law firm representing clients nationwide in disability insurance claims. For more information please go to our website www.jfrankellaw.com.

08/12/2026

Reinstating Long-Term Disability Benefits After Unum Terminated a Claim That Had Been Approved for 16 Years
At the Law Office of Justin C. Frankel, P.C., we recently secured the reinstatement of a client's long-term disability benefits after Unum wrongfully terminated a claim that had been continuously approved and paid for approximately sixteen years.
The termination was particularly troubling because the claimant's disabling medical conditions had not improved. Despite years of medical documentation supporting disability, ongoing treatment, and a lengthy history of benefit payments, Unum abruptly determined that the claimant was allegedly capable of returning to work and terminated benefits. Like many insurers, Unum relied heavily on file reviews, selective interpretation of the medical evidence, and an analysis that minimized the real-world impact of the claimant's limitations.
Our firm immediately undertook a comprehensive review of the entire claim file. Rather than simply responding to the insurer's conclusions, we built a detailed administrative appeal that addressed every aspect of the termination decision. We carefully analyzed the medical records, treating physician opinions, diagnostic testing, functional limitations, occupational requirements, vocational evidence, and the insurer's consultant reports. We identified multiple flaws in the insurer's analysis and demonstrated how critical evidence had been ignored, mischaracterized, or taken out of context.
One of the central themes of our appeal was that disability claims cannot be evaluated by focusing on isolated records while ignoring the totality of the evidence. The medical record as a whole demonstrated continuing impairments that prevented the claimant from performing the material and substantial duties of work on a full-time, reliable basis. We highlighted objective findings, treatment history, chronic symptoms, pain-related limitations, functional restrictions, and the longitudinal opinions of treating providers who had followed the claimant for years.
Our appeal also exposed significant deficiencies in the insurer's vocational and medical reviews. We demonstrated that the consultants failed to adequately consider the claimant's actual functional capacity and instead relied upon theoretical work abilities that were inconsistent with the documented medical evidence. We further showed that the insurer's analysis ignored the practical realities of sustained employment, including the need to perform work activities consistently, predictably, and eight hours per day, five days per week.
In addition, we emphasized an important issue that frequently arises in long-term disability claims: the failure to properly evaluate chronic pain and its vocational consequences. Even when diagnostic studies may not fully capture the severity of symptoms, insurers are still obligated to evaluate the functional effects of pain, fatigue, medication side effects, and other disabling symptoms. Our appeal demonstrated that these factors had not been given meaningful consideration.
After reviewing our submission, Unum reversed its decision and reinstated the claimant's long-term disability benefits.
This result is a powerful reminder that insurance companies do not always get it right. Even claimants who have received benefits for many years can unexpectedly face termination when an insurer decides to reevaluate a claim. Unfortunately, many individuals assume that a long payment history guarantees future benefits. Our experience shows that insurers continue to scrutinize claims regardless of how long benefits have been paid.
The appeal process is often the most important stage of a disability claim. In many cases, it represents the claimant's last opportunity to fully develop the evidentiary record before litigation. A well-prepared appeal can mean the difference between a terminated claim and restored benefits.
At the Law Office of Justin C. Frankel, P.C., we focus extensively on disability insurance appeals and understand the strategies insurers use to deny or terminate claims. We routinely challenge improper medical reviews, flawed vocational assessments, surveillance-based determinations, paper-only physician reviews, and selective interpretations of medical evidence. Most importantly, we know how to build a persuasive administrative record designed to withstand scrutiny and maximize a claimant's chances of success.
If your long-term disability benefits have been denied or terminated do not assume the insurer's decision is final. The right appeal can make all the difference. Our firm has successfully helped claimants overturn disability determinations and restore critical benefits.
When your financial security is at stake, experience matters. Contact the Law Office of Justin C. Frankel, P.C. to discuss your disability appeal and learn how we may be able to help protect the benefits you have earned.

07/22/2026

Long-Term Disability After a Traumatic Brain Injury: What Claimants Should Know
“Many survivors of traumatic brain injuries face significant workplace limitations despite appearing outwardly healthy. A successful disability claim requires more than proving the injury occurred; it requires demonstrating how the resulting impairments prevent sustained employment.”
– Justin C. Frankel, Esq., Law Office of Justin C. Frankel, PC
A traumatic brain injury (TBI) can change nearly every aspect of a person's life. While some individuals recover quickly, others experience lasting cognitive, emotional, and physical impairments that make returning to work difficult or impossible. When these limitations interfere with the ability to maintain employment, long-term disability (LTD) benefits may become an important source of financial support.
One of the challenges faced by TBI survivors is that many disabling symptoms are not always visible to others. Problems with memory, concentration, processing speed, executive functioning, and fatigue can significantly impair workplace performance, even when medical imaging appears normal. Claimants may also struggle with headaches, dizziness, sensory sensitivities, sleep disturbances, anxiety, depression, or mood changes that further limit their ability to perform occupational duties.
Insurance companies frequently scrutinize TBI-based disability claims because cognitive symptoms can be difficult to measure through traditional objective testing. For that reason, thorough medical documentation is critical. Neuropsychological evaluations, neurological examinations, cognitive testing, treatment records, and statements from treating providers can help establish the extent of functional impairment. Equally important are detailed descriptions of how the injury affects everyday activities, decision-making, attention, and the ability to sustain work-related tasks over a full workday.
Many claimants are surprised to learn that proving a diagnosis alone is not enough to qualify for long-term disability benefits. The key question is whether the symptoms prevent the individual from performing the material duties of their occupation or, depending on the policy, any occupation for which they are reasonably qualified. Demonstrating these functional limitations often requires a comprehensive picture of the claimant's medical condition, treatment history, and day-to-day challenges.
Because TBI symptoms can fluctuate, insurers may focus on isolated notes suggesting improvement while overlooking the broader clinical picture. Consistent medical treatment and accurate reporting of symptoms are therefore essential throughout the claim process. A well-documented record can help ensure that the true impact of the injury is properly understood and evaluated.
For individuals living with the long-term effects of a traumatic brain injury, understanding the disability claims process is an important step toward protecting their benefits. Careful medical documentation, objective testing when available, and clear evidence of functional limitations can make a significant difference in the outcome of a long-term disability claim.

The Law Office of Justin C. Frankel, P.C. represents long-term disability claimants nationwide in claims involving traumatic brain injuries, post-concussive syndrome, cognitive impairment, and other complex medical conditions.
Contact the Law Office of Justin C. Frankel, P.C. today for a free consultation and learn how an experienced ERISA disability attorney can help protect your rights and maximize your chances of success.
Justin C. Frankel is the founder of the Law Office of Justin C. Frankel, PC, a Long Island, New York headquartered law firm representing clients nationwide in disability insurance claims. For more information please go to our website www.jfrankellaw.com.
This article is provided for general informational purposes only and does not constitute legal or medical advice.

07/15/2026

POTS and Long-Term Disability Claims: How to Prove Disability
By Justin C. Frankel, Esq.
Law Office of Justin C. Frankel, P.C.
Postural Orthostatic Tachycardia Syndrome, commonly known as POTS, can make it difficult or impossible to sustain full-time employment.
People with POTS may experience a rapid heart rate, dizziness, severe fatigue, headaches, cognitive impairment, weakness, nausea, exercise intolerance, and fainting or near-fainting. Symptoms frequently become worse while sitting or standing upright and may improve when the person reclines.
Despite these limitations, long-term disability insurers often challenge POTS claims. The insurer may argue that the claimant’s examinations were normal, symptoms are subjective, treatment produced some improvement, or the claimant should be capable of performing sedentary work.
The critical issue is not simply whether the claimant has been diagnosed with POTS. The issue is whether the condition prevents the claimant from performing the material duties of the occupation consistently and reliably.
Can POTS Qualify for Long-Term Disability Benefits?
POTS may support a long-term disability claim when the medical and occupational evidence establishes that the claimant satisfies the policy’s definition of disability.
Many policies initially require proof that the claimant cannot perform the material duties of his or her regular or own occupation. After a specified period, often 24 months, the definition may change and require proof that the claimant cannot perform another suitable occupation.
The exact policy language controls.
A diagnosis alone will rarely be enough. The claim must connect the claimant’s symptoms and limitations to the demands of the occupation.
Why POTS Can Prevent Sedentary Work
Disability insurers frequently assume that someone who can sit at a desk is capable of sedentary employment.
That assumption may be incorrect in a POTS claim.
Sitting upright for prolonged periods may cause tachycardia, dizziness, nausea, headaches, fatigue, and cognitive difficulties. Some individuals must recline, elevate their legs, or take unpredictable breaks to control their symptoms.
Sedentary work may also require the employee to:
• Remain upright throughout most of the workday
• Maintain concentration
• Attend meetings
• Work at a computer for extended periods
• Meet deadlines and productivity requirements
• Commute or travel
• Maintain regular attendance
• Make accurate and timely decisions
The ability to complete an activity briefly does not establish the ability to perform it throughout a full workday and workweek.
Evidence That Can Strengthen a POTS Disability Claim
A strong POTS LTD claim should document both the medical condition and its effect on occupational functioning.
Relevant evidence may include:
Diagnostic testing
Testing may include a tilt-table test, standing test, heart-rate and blood-pressure measurements, cardiac monitoring, autonomic testing, and blood work used to exclude other possible causes.
Not every claimant will undergo every test. The appropriate evaluation depends on the individual’s symptoms and medical history.
Detailed physician reports
Treating physicians should explain:
• The diagnosis and clinical basis for it
• The severity and frequency of symptoms
• Sitting, standing, and walking tolerance
• Whether the patient must recline
• The need for scheduled or unscheduled breaks
• Cognitive limitations
• Medication side effects
• Whether the patient can commute safely
• Whether the patient can maintain a predictable work schedule
A conclusory statement that the patient is “disabled” may not be enough. The physician should describe specific functional restrictions.
Evidence of the actual job duties
A job title may not accurately reflect the claimant’s occupation.
For example, an executive’s position may be classified as sedentary while requiring frequent travel, extended meetings, complex decisions, long hours, and continuous availability.
The claim should include the employer’s job description and a detailed explanation of the employee’s actual physical, cognitive, travel, scheduling, and productivity requirements.
Documentation of cognitive symptoms
Brain fog can be especially disabling for attorneys, executives, financial professionals, healthcare workers, educators, and others who perform complex work.
The medical record should document problems with concentration, memory, processing speed, multitasking, word retrieval, decision-making, and productivity.
A symptom and activity journal
A contemporaneous journal may document:
• Heart-rate changes
• Dizziness or fainting episodes
• Time spent upright
• The need to recline
• Cognitive symptoms
• Missed activities
• Medication side effects
• Recovery time after appointments or errands
• Better and worse days
The journal should be accurate and specific.
Why Insurance Companies Deny POTS Claims
POTS claims are frequently challenged because symptoms fluctuate and routine examinations may appear normal.
A claimant may demonstrate normal strength while sitting in an examination room but remain unable to sit upright, concentrate, commute, and work reliably throughout the day.
Insurers may also rely on limited daily activities or surveillance. Video showing a claimant driving, shopping, or attending an appointment does not necessarily prove an ability to work full time. It does not reveal the symptoms experienced afterward or the amount of recovery time required.
Partial improvement with medication, increased fluids, compression garments, or physical therapy also does not necessarily establish work capacity.
Improvement is not the same as recovery.
Common Mistakes in POTS LTD Claims
Common mistakes include:
• Relying only on the diagnosis
• Failing to document sitting tolerance
• Providing vague descriptions of fatigue or dizziness
• Using an incomplete job description
• Ignoring cognitive impairment
• Failing to document the need to recline
• Overstating or understating daily limitations
• Ignoring coexisting conditions
• Missing the administrative appeal deadline
POTS may occur alongside migraines, gastrointestinal disorders, joint hypermobility, autoimmune conditions, chronic fatigue, pain, anxiety, depression, and other impairments.
The insurer should consider the combined effect of all supported medical conditions.
What to Do If a POTS LTD Claim Is Denied
A denial should be analyzed carefully.
The claimant should determine:
1. What definition of disability the insurer applied
2. How the insurer classified the occupation
3. Which medical records and tests were reviewed
4. Whether the insurer considered the need to recline
5. Whether cognitive symptoms were addressed
6. Whether all medical conditions were considered
7. Whether the insurer relied on surveillance or social media
8. What additional medical, occupational, or vocational evidence is needed
A comprehensive appeal may include updated physician reports, responses to insurance-company medical reviews, diagnostic testing, occupational evidence, witness statements, a symptom journal, and vocational analysis.
In an ERISA-governed claim, the administrative appeal may be the primary opportunity to submit evidence. Important documentation should be provided before the appeal deadline.
The Bottom Line
POTS can prevent a person from maintaining the posture, stamina, concentration, attendance, and reliability necessary for full-time employment.
The strongest claims do more than establish the diagnosis. They explain how the claimant’s symptoms interfere with the actual duties of the occupation on a regular and sustained basis.
The Law Office of Justin C. Frankel, P.C. represents long-term disability claimants nationwide in claims involving POTS, dysautonomia, chronic fatigue, cognitive impairment, and other complex medical conditions.
Contact the Law Office of Justin C. Frankel, P.C. today for a free consultation and learn how an experienced ERISA disability attorney can help protect your rights and maximize your chances of success.
Justin C. Frankel is the founder of the Law Office of Justin C. Frankel, PC, a Long Island, New York headquartered law firm representing clients nationwide in disability insurance claims. For more information please go to our website www.jfrankellaw.com.

Justin C. Frankel
Law Office of Justin C. Frankel, P.C.
Nationwide Long-Term Disability and ERISA Disability Attorney
www.jfrankellaw.com
This article is provided for general informational purposes only and does not constitute legal or medical advice.

06/30/2026

Understanding Disability Claims for Nurses
By Justin C. Frankel, Esq.
Law Office of Justin C. Frankel, P.C.
Nurses dedicate their careers to caring for others in demanding, high-pressure environments. When illness or injury prevents a nurse from continuing to work, the transition to filing a long-term disability claim can be both unexpected and overwhelming.
Disability claims for nurses are not evaluated in a vacuum. The analysis hinges on whether a nurse can continue to perform the material and substantial duties of their occupation—not simply whether a diagnosis exists. This distinction is critical. Nursing is a profession that combines physical endurance, cognitive precision, and emotional resilience. When any of these core functions are compromised, the ability to safely and reliably work may be significantly impaired.
The Reality of Nursing: More Than a Job Title
Insurance companies often evaluate claims using generalized occupational categories that fail to capture the true demands of nursing. In reality, nursing is a complex profession that requires:
• Continuous physical activity, including standing, walking, bending, and assisting patients
• Sustained attention and concentration in fast-paced environments
• Accurate medication administration and clinical judgment
• Detailed documentation and recordkeeping
• Rapid decision-making in emergent situations
• Constant patient monitoring and communication
These duties must be performed consistently, safely, and over extended shifts—often 12 hours or longer. Even minor impairments can substantially interfere with a nurse’s ability to perform these responsibilities.
Common Conditions Leading to Long-Term Disability for Nurses
Nurses may be forced to leave the workforce due to a wide range of medical conditions. These often include:
• Chronic pain and orthopedic injuries
• Autoimmune diseases and inflammatory conditions
• Neurological disorders
• Cardiovascular disease
• Long COVID and post-viral syndromes
• Chronic fatigue syndrome and dysautonomia (including POTS)
• Mental health conditions such as anxiety, depression, or PTSD
• Cognitive impairments, including brain fog and memory deficits
In many cases, disability is not caused by a single condition, but by the combined effect of physical, cognitive, and emotional symptoms. A nurse may appear capable during a brief examination but still be unable to sustain the pace, stamina, and reliability required for full-time work.
Why Nurse Disability Claims Are Frequently Challenged
Long-term disability claims for nurses are often subject to heightened scrutiny. Insurers may mischaracterize job demands, rely on selective medical evidence, or argue that a nurse can perform alternative, less physically demanding work.
Some common issues that arise in nurse disability claims include:
• Oversimplification of job duties: Insurers may reduce a nurse’s role to basic tasks or classify it as sedentary.
• Discounting subjective symptoms: Fatigue, pain, and cognitive dysfunction are often minimized or dismissed.
• Reliance on file reviews: Insurers frequently use physicians who never examine the claimant.
• Failure to conduct a proper vocational analysis: The actual demands of the nurse’s specific role may not be fully considered.
• Misinterpretation of daily activities: Limited activities of daily living are used to suggest full work capacity.
These issues can lead to wrongful denials or terminations of benefits, even in cases where the medical evidence strongly supports disability.
Physical and Cognitive Limitations: A Critical Distinction
For nurses, disability is rarely limited to one functional domain. Physical limitations—such as the inability to stand for prolonged periods, lift patients, or maintain endurance—are often compounded by cognitive impairments.
Cognitive demands in nursing include:
• Maintaining focus in high-stress environments
• Processing complex clinical information
• Prioritizing tasks and responding to emergencies
• Accurately charting and administering medications
• Communicating effectively with patients and healthcare teams
Conditions that cause slowed processing speed, impaired concentration, or memory deficits can directly impact patient safety. A nurse who cannot reliably perform these cognitive functions may be unable to work, even if physical limitations alone would not be disabling.
Own Occupation vs. Any Occupation
Most long-term disability policies contain changing definitions of disability over time. Initially, benefits may be paid if the nurse cannot perform their own occupation. Later, the standard may shift to whether the nurse can perform any occupation for which they are reasonably suited by education and experience.
This transition is often where disputes arise. Insurers may argue that a nurse is capable of less demanding work, such as administrative or sedentary positions. However, that conclusion must be supported by a realistic evaluation of the nurse’s restrictions, transferable skills, and functional capacity.
For many disabled nurses, the same symptoms that prevent bedside work—fatigue, cognitive dysfunction, pain, or medication side effects—also interfere with the ability to perform alternative occupations on a full-time, reliable basis.
Building a Strong Disability Claim as a Nurse
A successful disability claim requires more than a diagnosis. It must clearly demonstrate how a nurse’s condition prevents them from performing their occupational duties. Strong evidence may include:
• Detailed narrative reports from treating physicians
• Clear documentation of functional limitations (not just diagnoses)
• Evidence of treatment history and response
• Cognitive or functional testing, when appropriate
• Statements from colleagues or supervisors familiar with job demands
• A comprehensive personal statement describing daily limitations
The most persuasive claims connect medical findings to real-world functioning. For example, it is not enough to state that a nurse experiences fatigue. The claim should explain how fatigue results in an inability to complete a shift, maintain concentration, or attend work consistently.
The Importance of Accuracy in Occupational Descriptions
Not all nursing roles are the same. A critical care nurse, emergency room nurse, and case management nurse each face distinct demands. A claim must accurately reflect the specific role performed at the time disability began.
Failure to clearly define the occupation can lead to improper claim evaluation. Insurers may rely on generic job classifications that do not reflect the physical and cognitive intensity of the claimant’s actual duties.
A precise occupational description can be one of the most important components of a disability claim.
Avoiding Common Pitfalls in Nurse Disability Claims
Nurses pursuing long-term disability benefits should be mindful of several key issues:
• Statements about daily activities may be misinterpreted
• Social media activity may be reviewed and taken out of context
• Independent medical examinations (IMEs) may not be neutral
• Deadlines for submitting evidence are strictly enforced, especially in ERISA claims
• Appeals may represent the final opportunity to submit supporting evidence
Because of these risks, the way a claim is documented and presented can significantly impact the outcome.
Final Thoughts: A Functional, Real-World Analysis Matters
Nursing is not a sedentary or routine occupation. It is physically demanding, cognitively intensive, and inherently tied to patient safety. When illness or injury prevents a nurse from performing these duties, the disability analysis must reflect that reality.
A well-supported long-term disability claim for a nurse focuses on:
• Functional limitations
• Occupational demands
• Consistency and reliability
• The cumulative impact of symptoms
Ultimately, the question is not whether a nurse can perform isolated tasks. It is whether they can safely, consistently, and reliably sustain the demands of their profession over time.
Contact the Law Office of Justin C. Frankel, P.C. today for a free consultation and learn how an experienced ERISA disability attorney can help protect your rights and maximize your chances of success.
Justin C. Frankel is the founder of the Law Office of Justin C. Frankel, PC, a Long Island, New York headquartered law firm representing clients nationwide in disability insurance claims. For more information please go to our website www.jfrankellaw.com.

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