FAQ: Long-Term Disability, AD&D

Why do I need a Disability Attorney? An attorney can help you from start to finish in the process of obtaining disability benefits. From the initial application to appeals and, if necessary, litigation, an experienced disability attorney can help you navigate the minefield of loopholes, exclusions and excuses used to deny valid claims for benefits. The application processes for SSDI and private disability insurance benefits are similar in many ways. The main difference between the two, however, is that insurance companies are motivated by profits. Of course, they make money by charging premiums, but they also add to their bottom line by denying claims. Edward Doskey is familiar with the fine print in disability insurance policies and the tactics the insurance companies use to deny valid claims. He can aid with the application process by showing you how to avoid common mistakes thereby increasing the chances of having your disability claim being approved at the outset. Even if your claim is denied, Mr. Doskey has the experience needed to handle the appeal process, and, if necessary, to sue the insurance company to obtain benefits on behalf of disabled clients. What is LTD (Long Term Disability)? LTD insurance and SSDI are similar to each other in many ways. Both disability plans require claimants to make a written application for benefits and, if denied, the insurance company, like the Social Security Administration, issues a written reason for the denial and explains the claimant’s appeal options. While the claim evaluation processes may be similar, insurance policies or plans do not necessarily define “disability” the same way the Social Security Administration does. It is...

Denied Homeowner’s Insurance Claims

Attorney Edward Doskey in New Orleans, Louisiana represents clients with denied homeowner’s insurance claims. If your insurance company has denied a claim you have made with your homeowner’s insurer, contact...

Denied Life Insurance Claims

Attorney Ed Doskey in New Orleans, Louisiana represents clients with denied life insurance claims.   Rather than ongoing, monthly benefits, these insurance policies pay a lump sum of money in the event of an accidental death or loss of a limb (and sometimes an eye). The amount of the benefit depends on how much insurance is purchased and the nature of the accidental injury, dismemberment or death. However, as with Long Term Disability insurance (LTD), the AD&D insurance carriers do not always stand behind their customers. Sometimes insurance companies, relying on weak evidence, will deny a valid claim for benefits by accusing the claimant or the deceased of being negligent (e.g., operating a motor vehicle while under the influence of alcohol or drugs), or even of having committed suicide. As with LTD insurance, your AD&D coverage will be governed by ERISA if the insurance is provided in a private employer-sponsored plan. Otherwise, state insurance law will govern your claim. If your insurance company has denied your claim for benefits under an Accidental Death and Dismemberment (AD&D) policy, contact...

Denied Accidental Death & Dismemberment (AD&D) Claims

Rather than ongoing, monthly benefits, these insurance policies pay a lump sum of money in the event of an accidental death or loss of a limb (and sometimes an eye). The amount of the benefit depends on how much insurance is purchased and the nature of the accidental injury, dismemberment or death. However, as with Long Term Disability insurance (LTD), Accidental Death and Dismemberment (AD&D) insurance carriers do not always stand behind their customers. Sometimes insurance companies, relying on weak evidence, will deny a valid claim for benefits by accusing the claimant or the deceased of being negligent (e.g., operating a motor vehicle while under the influence of alcohol or drugs) at the time of accidental death, or even of having committed suicide. As with Long Term Disability (LTD) insurance, your AD&D coverage will be governed by ERISA if the insurance is provided in a private employer-sponsored plan. Otherwise, state insurance law will govern your claim. If your insurance company has denied your claim for benefits under an Accidental Death and Dismemberment (AD&D) policy, contact...

Denied Insurance Claims

AD&D – Accidental Death and Dismemberment Insurance Claims Life Insurance Claims Homeowner’s Insurance Has your claim been denied? Do you have questions about your case? Contact us. We can help. Last updated by Edward Doskey on November 2nd, 2014. Last updated by Edward Doskey on November 2nd,...

Resources – Disability & Healthcare

Disability and Healthcare Resources in New Orleans and the Surrounding Parishes Louisiana Aging and Disability Resource Center: www.LouisianaAnswers.com Louisiana Department of Health and Hospitals Medicaid Provider Locator: www.dhh.louisiana.gov Find a Doctor: www.ochsner.org/find_a_doctor>Ochsner Health System Find-a-Doctor Associations for Specific Illnesses Alzheimer’s Association: 2605 River Road Jefferson, LA (504) 849-9081 Alzheimer’s Association – Louisiana Chapter website Alzheimer’s Services of Crescent City: 5125 Taravella Rd Marrero, LA 70072 (504)340-8565 Epilepsy Foundation of Louisiana: 3701 Canal Street, Suite H New Orleans, LA (504) 486-6326 EpilepsyLouisiana.org Website Mental Health Association of St. Tammany: (985) 641-0619 Multiple Sclerosis Society: (504) 832-4013 National MS Society – Louisiana National Kidney Foundation of Louisiana: (504) 861-4500 National Kidney Foundation of Louisiana Website – KidneyLa.org N.O. AIDS Task Force: (504) 821-2601 NO/AIDSTaskForce Website Sickle Cell Center of Southern Louisiana: (504) 588-5413 SCCSL Website Hospitals East Jefferson General Hospital: 4200 Houma Blvd. Metairie, LA (504) 456-5000 ejgh.org Kindred Hospital: 3601 Coliseum St. New Orleans, LA (504) 899-1555 KinderedHospitalNOLA.org Ochsner Medical Center-Baptist Campus 2700 Napoleon Ave. New Orleans, LA (504) 899-9311 Ochsner – Baptist Campus Ochsner Medical Center-Westbank 2500 Belle Chase Hwy. Gretna, LA (504) 392-3131 Ochsner – West Bank River Parishes Hospital 500 Rue de Sante LaPlace, LA (985) 652-7000 River Parishes Hospital Slidell Memorial Hospital 100 Gause Blvd. Slidell, LA (985) 643-2200 St. Charles Parish Hospital 1057 Paul Maillard Rd. Luling, LA (985) 785-6242 St. James Parish Hospital 2471 Louisiana Ave. Lutcher, LA (225) 869-5512 St. Tammany Parish Hospital 1202 S. Tyler Street Covington, LA (985) 898-4000 SE Louisiana Veterans Healthcare System (504) 412-3700 Touro Infirmary 1401 Foucher Street New Orleans, LA (504) 897-7011 Tulane-Lakeside Hospital 4700 I-10 Service Rd....