Chad Brown Law

Chad Brown Law Helping people obtain disability benefits and representing property owners in condemnation cases

09/05/2026

How Long Does Social Security Disability Take To Get Approved And Paid?

Social Security disability claims can take several years to reach a final decision when they proceed to a hearing level.

While a portion of applicants are approved at the initial stage, many cases are placed into a long processing queue that delays payment even after approval.

Overall timelines can range from several months for early approvals to multiple years for cases that require hearings.

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09/05/2026

How Do Long Term Disability Doctor Letters Help A Social Security Disability Case?

Long term disability physician support letters often document specific functional limitations in detail rather than only stating a diagnosis.

These forms typically align closely with the type of functional assessment used in Social Security disability cases, including restrictions relevant to residual functional capacity.
Repeated completion of these forms over time can also create a consistent record showing how a condition has progressed.

Click the bio link to listen to the full episode
https://bio.link/chadbrown

09/04/2026

What Is The Difference Between Own Occupation And Any Occupation Disability Coverage?

Long term disability policies often use a two stage definition of disability. In the initial period, coverage is based on whether a person can perform their own occupation at the time disability began.

After a set period, often around two years, the standard may shift to any occupation, where benefits may end if the person can perform other work that meets a specified earnings threshold based on prior income.

This change in standard is a key factor in ongoing eligibility for benefits.

Click the bio link to listen to the full episode
https://bio.link/chadbrown

Two disability claims can run side by side, but they do not follow the same rules. Chad Brown explains why each claim ne...
09/04/2026

Two disability claims can run side by side, but they do not follow the same rules. Chad Brown explains why each claim needs its own evidence, deadlines, and strategy.

Click the bio link to listen to the full episode
https://bio.link/chadbrown

09/04/2026

Are Non Attorney Representatives For Long Term Disability A Conflict Of Interest?

Some long term disability representatives are paid in coordination with insurance carriers, which can raise concerns about independence in how claims are handled.

Attorneys are subject to stricter ethical rules when third party payments are involved, including disclosure and conflict regulations.

These issues can affect how representation is structured in disability insurance claims.

Click the bio link to listen to the full episode
https://bio.link/chadbrown

Leaving work without a plan may put valuable disability benefits at risk. Chad Brown explains why FMLA, short-term disab...
09/03/2026

Leaving work without a plan may put valuable disability benefits at risk. Chad Brown explains why FMLA, short-term disability, and long-term disability should be considered before employment ends.

Click the bio link to listen to the full episode
https://bio.link/chadbrown

09/03/2026

How Long Does It Take To Get Social Security Disability Benefits?

Social Security disability cases often take two to three years to reach a final decision when progressing through the full appeals process.

Even when approved at the initial level, payment is typically delayed several months due to processing time and backpay calculations.

The timeline varies depending on the stage of approval and whether the claim proceeds to a hearing before a judge.

Click the bio link to listen to the full episode
https://bio.link/chadbrown

A free representative offered by an insurance company may not be as independent as a claimant expects. Chad Brown explai...
09/03/2026

A free representative offered by an insurance company may not be as independent as a claimant expects. Chad Brown explains why the company paying the representative may also benefit from the Social Security approval.

Click the bio link to listen to the full episode
https://bio.link/chadbrown

An approval for long-term disability does not guarantee approval for Social Security disability. Aaron Dalton explains t...
09/02/2026

An approval for long-term disability does not guarantee approval for Social Security disability. Aaron Dalton explains that each program uses different standards when deciding whether a person can work.

Click the bio link to watch the full episode
https://bio.link/chadbrown

09/02/2026

What Is The Difference Between Own Occupation And Any Occupation In Long Term Disability?

Long term disability policies often begin by evaluating whether an individual can perform their own occupation at the time disability began.

After a set period, commonly around two years depending on the policy, the evaluation may shift to whether any occupation can be performed that meets a percentage of prior income.

This change in standard significantly impacts continued eligibility for benefits.

Click the bio link to listen to the full episode
https://bio.link/chadbrown

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131 Plantation Ridge Drive, Suite 100
Mooresville, NC
28117

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