Living with long COVID is exhausting, unpredictable, and often invisible to others. If you are applying for SSDI or fighting a private long-term disability (LTD) denial, the goal is to translate real symptoms into persuasive medical and vocational proof. Here, the team at RMS Law focuses on the evidence that helps long COVID disability claims […]
For individuals living with severe medical conditions, the wait for disability benefits can feel overwhelming. The Social Security Administration (SSA) recognizes this, which is why it created the Compassionate Allowances (CAL) program. In 2025, the SSA expanded the program once again, adding new qualifying conditions to help applicants get decisions more quickly. At RMS Law, […]
A serious accident can affect every part of your life, from your ability to work to your physical comfort, financial stability, and long-term health. But many people don’t realize that personal injury claims and disability insurance benefits are two different legal paths, and they may be entitled to both. At RMS Law, our attorneys help […]
When you’ve worked hard your entire life and suddenly can’t anymore due to illness or injury, disability insurance is supposed to be your safety net. You expect the policy you’ve paid into to provide support—but instead, you receive a denial letter. Unfortunately, denials of legitimate disability claims are all too common. At RMS Law, we’ve […]
By Marc Snyder, Esq. and Chris Harris, Esq. Litigation under ERISA is not for the faint of heart. When we took on Mundrati v. Unum, we knew the road would be long. The standard of review—arbitrary and capricious—is among the most difficult in our civil justice system. Courts must defer to the insurer’s decision unless […]
Being denied disability benefits can be a frustrating and stressful experience. No matter how compelling your claim is or how serious your disability may be, denials are still possible. Fortunately, receiving a denial letter or notification is not the end—there are several steps you can take to appeal the decision and receive the benefits you […]
Many individuals find themselves facing disability claim rejections even when they believe they have a valid case. This is an unfortunately common occurrence, as there are numerous reasons why claims can be denied. Let’s delve into the top reasons for denial and how you can navigate these challenges. […]
Those who sustain an injury that prevents them from working have the chance to obtain disability benefits that help cover living expenses. However, this begs the question — can self-employed workers qualify for long-term disability benefits? Given how many entrepreneurs, small business owners, and other similar individuals are their own bosses working their own schedules, […]
A cancer diagnosis is a serious, life-altering moment. Given the impact it can have on one’s life and ability to work and earn income, it’s only natural that cancer patients would consider pursuing long-term disability — and they can. If you’re interested, here’s an overview of long-term disability, why cancer can qualify, and some caveats. […]
Long-term disability claims are designed to provide individuals with financial support in the event they’re unable to work because of an injury or illness. They’re incredibly beneficial for preventing future lost income — and yet there are many misunderstandings surrounding them. Here’s an overview of five long-term disability misconceptions and common myths. […]
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