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Tag Archives: Long Term Disability Insurance


Appealing A Long-Term Disability Insurance Denial In Court

By Thomas Farrell |

Long-Term Disability (LTD) insurance is intended to provide a policyholder with a replacement of income if he/she becomes disabled for a long period of time. Typically, however, the LTD insurance company will require definitive proof of the disability, as well as confirmation of the length of the disability, before it will pay out according… Read More »


Why High Earners Need Individual Long-Term Disability Policies

By Thomas Farrell |

The purpose of long-term disability (LTD) insurance policies is to supplement a policyholder’s income if he/she becomes disabled for an extended period of time. In this way, the policyholder can focus on recovery and not have to worry about paying bills and other expenses. Nevertheless, insurance companies, including LTD insurance companies, are profitable enterprises… Read More »


Pregnancy As A “Pre-Existing Condition” In Long-Term Disability Insurance Policies

By Thomas Farrell |

In terms of unsung heroes, long-term disability (LTD) insurance has to be ranked near the top. Typically an afterthought when filling out forms on an employee’s first day, most people do not pay any attention to this potentially catastrophe-saving employee benefit. In fact, it is most likely only when an employee is in need… Read More »


Challenging The Denial Of Long-Term Disability Insurance Benefits In Court

By Thomas Farrell |

As part of their benefits packages, many employees receive Long-Term Disability (LTD) Benefits, which pays a predetermined benefit if an employee becomes unable to work as a result of a disability. In the vast majority of cases, employees do not ever need to receive these benefits. However, for the few that do, dealing with… Read More »


The Importance Of Long-Term Disability Insurance

By Thomas Farrell |

In terms of insurance policies, Long-Term Disability (LTD) insurance is a pretty low priority for most people. After required insurance policies (health, auto, home/rental), many people next look to life and personal property insurance as insurance policies to have. In fact, various insurance for non-essential items (mobile telephone and pet, to name but two… Read More »


What To Do When Long-Term Disability Claims Are Denied

By Thomas Farrell |

Many adults possess a long-term disability (LTD) policy, either provided by their employer or through the purchase of a policy on their own. Insurance agents who sell these plans always seem to have the answer to any question they hear from the customer. The agent’s claim that a policyholder has a greater chance of… Read More »


Key Terms In Long-Term Disability Policies

By Thomas Farrell |

It is easy to assume one does not need disability insurance. Often people think this type of coverage is meant for the older worker or someone with preexisting physical or mental conditions that place them at risk of becoming impaired. However, a disability can arise from a number of sources – accident, illness or… Read More »

The Basics of Disability Insurance

By Thomas Farrell |

No matter the type of work someone does, a certain amount of training and learning is required to become proficient. Instruction and education is particularly required in today’s world as technology increasingly grows to be a staple in everyone’s life. Consequently, people invest a lot of time and energy in learning an occupation that… Read More »

Farrell Disability Law is located in Jacksonville, FL and serves clients throughout Florida, including Jacksonville Beach, Jacksonville, Atlantic Beach, Orange Park, Doctors Inlet, Neptune Beach, Callahan, Bryceville, Middleburg, Fernandina Beach, Clay County, Duval County and Nassau County.


2319 Oak Street
Jacksonville, Florida
Phone: 904-388-8870 Primary: 904-388-8870 Fax: 904-339-9590


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Orlando, Florida 32801
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