Herbert M. Hill, PA

12/18/2025

4 Policy Traps That Can Deny Long Term Disability Claims

If you have a pre-existing health issue, you may wonder can Long Term Disability be denied for pre-existing conditions. Our team breaks down some policy traps that you should be aware of.

Long Term Disability (LTD) insurance provides financial protection when an illness or injury prevents you from working. However, many policyholders face unexpected denials due to complex policy provisions designed to limit insurer liability.

Read more...https://herbertmhill.com/blog/can-long-term-disability-be-denied-for-pre-existing-conditions/

11/20/2025

The Challenges of Proving Fibromyalgia in Long Term Disability Claims

Why are fibromyalgia Long Term Disability claims often denied by insurance companies? An experienced LTD attorney can help you navigate the claims process and increase your chances of receiving the benefits you are entitled to.

Read more...https://herbertmhill.com/blog/fibromyalgia-long-term-disability/

10/23/2025

Beware the Soft Tissue Limitation!

One issue that has come up in recent cases more often is the Long Term Disability soft tissue limitations in LTD claims under the Employee Retirement Income Security Act (“ERISA“).

Insurance companies are pressing a two (2) year limit on benefits in claims involving such medical conditions. If the limitation is in the policy, they have the right to enforce it. It is your employer who has allowed such language to save on premiums.

Read more...https://herbertmhill.com/blog/long-term-disability-soft-tissue-limitations/

09/17/2025

When Should I Apply for Long Term Disability?

Asking, “When should I apply for Long Term Disability?” is a common concern. We provide the experienced guidance you need to make this critical decision and navigate the claims process effectively.

For many, there is a sudden onset of a medical condition, either due to injury or other reasons. For those claimants, deciding when to apply for Short Term Disability and LTD benefits is pretty much a given.

However, many of our clients have conditions which worsen over time. They will work as long as possible and many times longer than they should. At some point, a tradeoff between earnings and health is difficult. We can walk a client through the decision-making process about when to apply for benefits, considering the circumstances peculiar to each client. Some have financial or medical insurance reasons to hang on a little longer; others do not want to walk away from work, which we all inherently know is good for us when we can do it.

Knowing the optimal timing for applying can impact your chances of securing the vital income stream LTD benefits represent.

Read more...https://herbertmhill.com/blog/when-should-i-apply-for-long-term-disability/

08/14/2025

Do You Need Long Term Disability Insurance?

Have you been asking the question, “Do I need Long Term Disability insurance?” While it may seem like an optional expense, this insurance offers crucial support in case of an unexpected injury or illness.

When considering your health and income protection, it is essential to understand the role of Long Term Disability (LTD) insurance. Unlike short-term limited duration insurance (STLDI), which offers temporary coverage, Long Term Disability insurance provides a financial safety net for more extended periods.

Read more...https://herbertmhill.com/blog/do-i-need-long-term-disability-insurance/

08/07/2025

Does Long Term Disability Cover Mental Health

Many employees may wonder, does Long Term Disability cover mental health? The short answer is yes, in many cases.

Long Term Disability (LTD) insurance policies often provide coverage for mental health conditions like anxiety, depression, and other psychiatric disorders. However, understanding how this coverage works and navigating the claims process can be challenging for employees dealing with mental health challenges.

Read more... https://herbertmhill.com/blog/does-long-term-disability-cover-mental-health/

07/31/2025

What Does Arbitrary and Capricious Mean? Case Study

When dealing with insurance claims, terms like arbitrary and capricious can become a focal point, especially in legal disputes over benefit denials. But what does arbitrary and capricious mean?

These words refer to decisions made without a reasonable basis, often ignoring key facts or misinterpreting relevant information. In disability claims, an arbitrary and capricious decision can significantly impact the claimant’s ability to secure their rightful benefits.

This case study involving a Long Term Disability benefits denial highlights how an incorrect job title and flawed decision-making by an insurance company led to a significant legal victory for the claimant.

Read more..https://herbertmhill.com/blog/what-does-arbitrary-and-capricious-mean-case-study/

07/24/2025

How Long Does Long Term Disability Last?

Understanding the duration of Long Term Disability benefits is crucial for those who rely on this support due to illness or injury. If you are wondering how long does Long Term Disability last, it depends on several factors including your specific policy and the nature of your disability.

Read more... https://herbertmhill.com/blog/how-long-does-long-term-disability-last/

07/17/2025

Understanding the Impact of Employment Termination on LTD Benefits

Dealing with Long Term Disability and termination of employment can be both challenging and overwhelming. If you lose your job while applying for Long Term Disability benefits, understanding how this impacts your benefits is essential.

Read more...https://herbertmhill.com/blog/understanding-the-impact-of-employment-termination-on-ltd-benefits/

06/17/2025

Top Reasons for ERISA Claim Denials and How to Avoid Them

When dealing with ERISA denial of benefits claims, it is crucial to understand why these claims are rejected and how to prevent them.

Navigating the complexities of ERISA (Employee Retirement Income Security Act) can be challenging, and claim denials can leave individuals without the benefits they are entitled to. Here, we will explore the top reasons for ERISA claim denials and offer strategies to help avoid them, whether you are filing an initial claim or seeking the assistance of an ERISA denial attorney in Orlando.

Read more...

When dealing with ERISA denial of benefits claims, it is crucial to understand why these claims are rejected and how to prevent them. Navigating the complexities of ERISA (Employee Retirement Income Security Act) can be challenging, and claim denials can leave individuals without the benefits they a...

05/08/2025

What Medical Conditions Qualify For Long Term Disability?

Understanding “what medical conditions qualify for Long Term Disability” is critical for individuals navigating the complexities of Long Term Disability (LTD) insurance.

When facing a disabling medical condition, the ability to work and provide for yourself and your loved ones can suddenly become uncertain. LTD insurance is a vital safety net for many individuals during challenging times. It offers financial support for those unable to work due to health issues, injuries, or accidents so they can continue to support themselves and their families despite their inability to earn a regular income.

Read more...https://herbertmhill.com/blog/what-medical-conditions-qualify-for-long-term-disability/ #

03/20/2025

Age-Related Long Term Disability Risks To Look Out For

Adding to the complicated LTD process, age can factor into your ability to receive benefits. Our Orlando Long Term Disability denial lawyer shares some advice on getting the benefits you are entitled to.

Read more...https://herbertmhill.com/blog/orlando-long-term-disability-denial-lawyer/