From Joe’s Desk: Pennsylvania LTD Legal Blog Archives Blog

Former partner and attorney Joshua Erik Abell exited the law firm in December of 2023, resulting in the closure of the firm’s Kentucky law office. The law firm’s remaining partner, Joe Capitan, continues to service the law firm’s clients from the firm’s Pennsylvania law office along with associate attorney Greg Scott and staff. Due to […]

This is an exclusive list – only 2.5 percent of Pennsylvania lawyers make the cut – and it’s an honor bestowed upon attorneys under the age of 40, or who have been in practice for 10 or fewer years, who are at the top of their game. Super Lawyers, an attorney rating service covering more […]

is comprised of some of Philadelphia, Pennsylvania, and Louisville, Kentucky’s most trusted disability insurance lawyers.

Long term disability insurance is intended to provide income replacement for you and your family during a time when you can no longer work. It is a monetary insurance benefit.

Myalgic encephalomyelitis or chronic fatigue syndrome (ME/CFS), is a disease that can be severely debilitating and leave many patients bedridden for the remainder of their lives. While the Centers for Disease Control and Prevention has estimated that as many as 2.5 million Americans suffer from ME/CFS, there is relatively little public awareness of the disease […]

Unfortunately, the world doesn’t stop turning once you or your loved one becomes disabled. The bills keep coming, and great financial and emotional hardship follows quickly if there is no money available to pay them. Having your claim for disability benefits denied by the insurance company inevitably complicates things even further.

Most group long-term disability policies provide that, after the 24 months of LTD benefits are paid, the definition of disability (or total disability) changes from “own occupation” to “any occupation” (or other similar terms such as “any gainful occupation” or “any reasonable occupation).” This is, hands down, the point at which claimants are most likely […]

While every LTD insurance policy is different, the definition of disability will usually change from “own occupation” to “any occupation” after a certain number of months. This change occurs under most policies after 24 months of disability payments. The “any occupation” definition of disability varies from policy to policy, but it is going to be […]

When going up against a major insurance company, you need to level the playing field. Many people assume they will be treated fairly by the insurance company because they are honest, forthright, and have nothing to hide. In bringing your claim to the insurance carrier, you may very well be acting in good faith and […]

To provide superior legal representation to individuals facing the wrong and unreasonable denial or termination of their long term disability insurance benefits or individual disability insurance claim. I have represented disabled individuals for our entire legal careers. We bring a wealth of disability insurance know-how to the table. Law handles all aspect of the long […]