# Bartolic Law

> Chicago ERISA Attorneys


## Pages

- [FAQs](https://www.chicagodisabilitylawyers.com/faqs/): Bartolic Law is here to answer your long term disability and ERISA questions. As a trusted Chicago long-term disability attorney, we will advocate on your behalf and secure the financial support you need during this difficult time.
- [Service Areas](https://www.chicagodisabilitylawyers.com/service-areas/): Dedicated Chicago long term disability lawyer helping clients secure LTD benefits, appeal denials, and navigate complex insurance claims for the support they deserve.
- [Neurologists](https://www.chicagodisabilitylawyers.com/occupations/neurologists/): As a job requiring precision and dexterity, neurologists may be unable to work if a disability affects their skills. Call a Chicago long term disability attorney at Bartolic Law today.
- [Executive Assistants](https://www.chicagodisabilitylawyers.com/occupations/executive-assistants/): Being disabled as an executive assistant can create uncertainty. If sitting or completing tasks is impossible, a Chicago ERISA attorney may be able to help. Call us today.
- [Meniere's Disease](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/menieres-disease/): Meniere’s Disease is a debilitating condition that causes sudden, severe vertigo, making driving and work a challenge. An Evanston ERISA lawyer can help you pursue benefits if you’re unable to continue working.
- [Psychiatrists](https://www.chicagodisabilitylawyers.com/occupations/psychiatrists/): If a mental or physical disability prevents you from working as a psychiatrist, file a disability insurance claim. Contact a Chicago disability benefits attorney today.
- [Podiatrists](https://www.chicagodisabilitylawyers.com/occupations/podiatrists/): When a podiatrist suffers a disability, it can prevent them from working indefinitely. For help with a disability insurance claim, call a Chicago disability benefits attorney today.
- [Lymphoma](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/lymphoma/): If you have lymphoma, you’re likely feeling apprehensive abut your future, especially regarding your ability to work. A Chicago retirement benefits lawyer can help you understand your situation. Contact Bartolic Law today.
- [Physician Assistants](https://www.chicagodisabilitylawyers.com/occupations/physician-assistants/): Many people who work as physician assistants might struggle to perform their jobs due to developing physical or mental disabilities. Call a Chicago disability benefits attorney today.
- [Lyme Disease](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/lyme-disease/): Individuals with Lyme Disease often experience debilitating fatigue, causing them to take long breaks from work. An Oak Park ERISA attorney can help ensure you receive the benefits you’re entitled to. Call us today.
- [Pain Management Physicians](https://www.chicagodisabilitylawyers.com/occupations/pain-management-physicians/): There are many medical conditions that can cause career-ending disabilities for pain management physicians. Discuss your claim with a Chicago disability benefits attorney.
- [Otolaryngologists](https://www.chicagodisabilitylawyers.com/occupations/otolaryngologists/): Many disabilities can prevent an otolaryngologist from performing their job, so securing financial stability is essential. Discuss a claim with a Chicago disability benefits attorney.
- [Dental Assistants](https://www.chicagodisabilitylawyers.com/occupations/dental-assistants/): A dental assistant’s work involves dexterity and endurance. If a disability is preventing you from accomplishing work, a Chicago compensation lawyer may be able to help. Call today.
- [Nurse-Midwives](https://www.chicagodisabilitylawyers.com/occupations/nurse-midwives/): If your career as a nurse-midwife has been derailed because of a disabling medical condition, talk to a Chicago disability benefits attorney about a disability insurance claim.
- [Civil Engineers](https://www.chicagodisabilitylawyers.com/occupations/civil-engineers/): Civil engineers work long hours and perform heavy physical and mental labor. If you have a disability or illness, speak with an Orland Park ERISA lawyer about possible benefits.
- [Anxiety](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/anxiety/): Anxiety is often an impairing condition that can make work and daily tasks difficult. If anxiety prevents you from doing your job, a Chicago ERISA lawyer may be able to help.
- [Early Onset Alzheimer’s Disease](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/early-onset-alzheimers-disease/): It's never easy to process an Alzheimer's diagnosis, especially for younger adults with years of work ahead before retirement. A Chicago ERISA lawyer can help you seek support.
- [Parkinson’s Disease](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/disability-insurance-claims-for-parkinsons-disease/): If you or a loved one was diagnosed with Parkinson’s Disease, you likely have many questions regarding work eligibility. A Chicago compensation lawyer can help you secure needed benefits.
- [ALS (Lou Gehrig’s Disease)](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/als-lou-gehrigs-disease/): ALS is a serious condition causing severe weakness and motor issues that worsen over time. If diagnosed, you may feel unsure about work. Talk to a Chicago ERISA attorney about compensation.
- [Vision Loss](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/vision-loss/): If you’ve developed vision loss due to a health condition, you may no longer be able to continue with your current career. A Chicago long term disability attorney can help you explore ways to fight a rejected disability claim.
- [Traumatic Brain Injury](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/traumatic-brain-injury/): It’s common to experience lingering health issues following a traumatic brain injury, and some symptoms may interfere with your physical capabilities. An Evanston ERISA lawyer can help you seek compensation.
- [Sudden Cardiac Arrest](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/sudden-cardiac-arrest/): Losing a loved one to sudden cardiac death is never easy, but with the help of a Skokie ERISA lawyer, you may be able to secure life insurance to support your family afterwards. Call us to discuss your situation.
- [Stroke](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/stroke/): After a stroke, you may face unprecedented health effects that make working impossible. Call a Oak Park long term disability attorney immediately to protect the insurance you need.
- [Sjogren's Syndrome](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/sjogrens-syndrome/): If you have Sjogren’s syndrome, you’re aware of the various health impacts this autoimmune condition has. Talk to an Orland Park ERISA lawyer if you need to pursue compensation.
- [Rheumatoid Arthritis](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/rheumatoid-arthritis/): If rheumatoid arthritis has a serious effect on your ability to work, you might qualify for long-term disability benefits. The claim process can be a challenging one, but a Chicago ERISA lawyer can help.
- [Reflex Sympathetic Dystrophy](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/reflex-sympathetic-dystrophy/): Regional sympathetic dystrophy (RSD) is a debilitating condition that can disrupt your life, including your ability to work. Discuss your options for support with a Chicago disability insurance lawyer.
- [Post-Traumatic Stress Disorder](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/post-traumatic-stress-disorder/): PTSD is a serious mental health condition that inhibits a person’s ability to function as usual. A Chicago ERISA lawyer who works with clients who have PTSD may be able to help you secure necessary compensation.
- [Post-Lumbar Fusion/Discectomy](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/post-lumbar-fusion-discectomy/): The post-lumbar fusion or discectomy recovery process can keep you out of work for months. Plan ahead regarding financial support by speaking with a Chicago disability insurance lawyer.
- [Post-Concussive Syndrome](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/post-concussive-syndrome/): After a concussion, an individual may have lasting health effects that impact their ability to work. Pursue your entitled insurance benefits with the help of a Chicago ERISA appeals attorney by calling Bartolic Law.
- [Osteoporosis](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/osteoporosis/): Many adults develop osteoporosis, a condition that causes significant weakness, which can make work difficult. A Glenview ERISA attorney provides the clarity you need to fully understand your situation.
- [Osteoarthritis](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/osteoarthritis/): If osteoarthritis has a serious effect on your ability to work, you might qualify for long-term disability benefits. This process can be difficult, but a Chicago long term disability lawyer is here to help.
- [Neuropathy](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/neuropathy/): Neuropathy is a condition of the nerves that causes weakness, pain and numbness. Many individuals with this condition are unable to work, so if you need benefits, call Chicago ERISA attorney Michael Bartolic immediately.
- [Muscular Dystrophy](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/muscular-dystrophy/): Muscular dystrophy is a degenerative disease that causes muscle mass to shrink, leading to the need of a walking aid or wheelchair. If you have this condition and were denied benefits, contact our Chicago ERISA lawyer immediately.
- [Multiple Sclerosis](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/multiple-sclerosis/): If you are experiencing symptoms of MS, you might be having trouble with your daily life and being able to earn a living. The Chicago compensation attorney at Bartolic Law can help you through the disability claims process.
- [Migraines](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/migraines/): If you believe you might need to file an LTD insurance claim due to migraines, you should not wait to speak with Bartolic Law. Call to talk to a Chicago ERISA lawyer right away.
- [Migraine Associated Vertigo](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/migraine-associated-vertigo/): Vertigo is a debilitating condition, and it’s a common symptom of migraines. If you believe you might qualify for disability insurance benefits, you want the help of a Chicago disability claims attorney from Bartolic Law.
- [Mental Health](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/mental-health/): Mental health in the workplace is often overworked, causing stress and depression that lower productivity. In some cases, a Skokie ERISA lawyer can help individuals get compensation if they cannot work with a mental health condition.
- [Lung Cancer](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/lung-cancer/): A lung cancer diagnosis is devastating, and the situation is even more challenging when your benefits are denied. An Orland Park compensation attorney can assist you through such a difficult time.
- [Hearing Loss](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/hearing-loss/): Any degree of hearing loss may warrant insurance benefits, but it’s common to have a claim denied. Call a Skokie ERISA attorney immediately to learn more about the situation you’re in.
- [Fibromyalgia](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/fibromyalgia/): If you have been diagnosed with fibromyalgia, working or doing daily tasks can be tough. Call a Chicago ERISA attorney to file a claim and get advice on your best options.
- [Ehlers-Danlos Syndrome](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/ehlers-danlos-syndrome/): If you suffer from a disabling condition such as Ehlers-Danlos Syndrome, you should not delay in consulting with a Chicago disability claims lawyer at Bartolic Law.
- [Diabetes](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/diabetes/): Diabetes affects over 34 million Americans and can lead to severe health issues. If you’re diagnosed, you have enough to handle. Call a Chicago long-term disability attorney today.
- [Depression](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/depression/): Clinical depression is a huge mental hurdle, and in some cases, it can prevent a person from productivity altogether. An ERISA lawyer near Oak Park can help you determine if you can receive your denied benefits.
- [Dementia](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/dementia/): A dementia diagnosis is never easy, but with the help of a Chicago severance benefits lawyer, relief is possible. Call us to discuss your disability claim denial.
- [Degenerative Disc Disease](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/degenerative-disc-disease/): Degenerative health conditions can impact quality of life, forcing long leaves or job loss. Our Glenview ERISA lawyer has helped clients with disc disease. Call us today.
- [Crohn's Disease / IBS](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/crohns-disease-ibs/): Digestive conditions such as Crohn’s Disease and IBS sometimes warrant unemployment coverage. Talk to an Orland Park ERISA attorney to discover your options.
- [Complex Regional Pain Syndrome](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/complex-regional-pain-syndrome/): Complex regional pain syndrome poses many hurdles to your life, including your ability to work. Unemployment benefits are essential to your wellbeing, so fight your denied claim with a Skokie ERISA lawyer at Bartolic Law.
- [Cognitive Impairment](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/cognitive-impairment/): There are countless ailments and conditions that may cause cognitive impairment, which makes holding a job difficult. Seek compensation alongside a Evanston ERISA appeals lawyer at Bartolic Law.
- [Clubfoot](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/clubfoot/): Clubfoot is a rare but serious congenital foot deformity that can significantly impact a person’s mobility. Working with a Oak Park compensation lawyer to recover necessary medical coverage may be beneficial.
- [Cirrhosis](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/cirrhosis/): Cirrhosis and other diseases of the liver can have life-changing impacts. A Glenview long term disability attorney can work alongside you to pursue compensation if you are unable to work.
- [Chronic Pain](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/chronic-pain/): There are many different causes of chronic pain, but this type of pain disorder can prevent you from working. To ensure you receive proper insurance benefits, call a Chicago disability insurance lawyer.
- [Cervical Radiculopathy](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/cervical-radiculopathy/): Cervical radiculopathy is a serious condition that can cause debilitating pain, making work a challenge. Seek compensation alongside a talented Oak Park ERISA lawyer.
- [Carpal Tunnel Syndrome](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/carpal-tunnel-syndrome/): Carpal tunnel syndrome is a painful condition caused by compressed wrist nerves. Typing or repetitive hand motions increase the risk. Call a Chicago ERISA lawyer to see if you’re covered.
- [Cardiovascular Disease](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/cardiovascular-disease/): If you are unable to do work-related duties due to cardiovascular disease, contact a Chicago compensation attorney to learn how you can be financially supported even if you cannot work.
- [Cancer](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/cancer/): Cancer is one of the most tragic diseases and can cause severe disability. If you cannot work due to cancer, call a Chicago long term disability lawyer right away.
- [Breast Cancer](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/breast-cancer/): Breast cancer is a serious illness that can put you out of work. Call a Chicago ERISA lawyer right away to discuss possible recompense.
- [Ankylosing Spondylitis](https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/ankylosing-spondylitis/): Ankylosing spondylitis is an inflammatory condition affecting the spine and joints, leading to debilitating pain. Talk to a Chicago ERISA appeals attorney to see what can be done.
- [Vice Presidents](https://www.chicagodisabilitylawyers.com/occupations/vice-presidents/): Vice presidents who develop a disability may feel uncertain about continuing their career. Ensure you receive your entitled benefits by calling a Skokie ERISA lawyer promptly.
- [Vascular Surgeons](https://www.chicagodisabilitylawyers.com/occupations/vascular-surgeons/): Vascular surgeons have difficult jobs, and many types of disabilities can quickly end a career. If you need to file an insurance claim, call a Chicago disability benefits attorney.
- [Teachers](https://www.chicagodisabilitylawyers.com/occupations/teachers/): Teachers with a disability or health impairment may need help with benefits due to long hours standing and classroom tasks. Call a Chicago severance benefits lawyer at Bartolic Law.
- [Surgeons](https://www.chicagodisabilitylawyers.com/occupations/surgeons/): Surgeons perform dexterous, high-stakes work. If you are unable to do your job fully, a Chicago ERISA appeals lawyer may be able to help you secure the insurance you need.
- [Social Workers](https://www.chicagodisabilitylawyers.com/occupations/social-workers/): Many medical conditions can prevent social workers from working, making disability benefits critical. Discuss an insurance claim with a Chicago disability benefits attorney.
- [Sales Managers/Directors](https://www.chicagodisabilitylawyers.com/occupations/sales-managers-directors/): Sales managers have a lot to complete each day, so if a disability or health condition holds you back, call a Skokie compensation attorney. Bartolic Law can review your case.
- [Sales Associates](https://www.chicagodisabilitylawyers.com/occupations/sales-associates/): Retail work is physically intensive, with sales associates standing and lifting for hours. Work with an Evanston compensation lawyer if you are unable to perform tasks.
- [Rheumatologists](https://www.chicagodisabilitylawyers.com/occupations/rheumatologists/): Becoming a rheumatologist takes time and effort, but a disability can derail your work. If you need disability benefits, a Chicago disability benefits attorney can help.
- [Registered Nurses](https://www.chicagodisabilitylawyers.com/occupations/registered-nurses/): If you have a disability as a registered nurse, a Chicago long term disability attorney can help you explore options and secure the benefits you need when unable to work.
- [Pilots](https://www.chicagodisabilitylawyers.com/occupations/pilots/): Many different disabilities can disqualify a pilot from their jobs, which means that a disability insurance claim might be necessary. Call a Chicago disability benefits attorney today.
- [Physicians](https://www.chicagodisabilitylawyers.com/occupations/physicians/): Physicians have an important job, so when injured or disabled, they may be unable to complete routine tasks. Talk to a compassionate Chicago compensation lawyer if coverage was denied.
- [Pharmacists](https://www.chicagodisabilitylawyers.com/occupations/pharmacists/): Working as a pharmacist requires standing and memory use, which isn’t always possible with a disability. An Oak Park long term disability attorney helps explore compensation.
- [Orthopedic Physicians](https://www.chicagodisabilitylawyers.com/occupations/orthopedic-physicians/): Health care occupations often involve long days on your feet, like orthopedic physicians. Call an Oak Park ERISA appeals lawyer if you can’t handle the physical demands of your job.
- [Optometrists](https://www.chicagodisabilitylawyers.com/occupations/optometrists/): Optometry requires constant use of hands and long periods of sitting, so if you were injured or disabled, a Chicago compensation lawyer ensures you get the coverage you need.
- [Ophthalmologists](https://www.chicagodisabilitylawyers.com/occupations/ophthalmologists/): Ophthalmologists, or eye doctors, perform precise handwork daily. If a condition limits your ability to work, contact a Chicago compensation lawyer at Bartolic Law today.
- [Oncologists](https://www.chicagodisabilitylawyers.com/occupations/oncologists/): Working as an oncologist requires long hours performing research, exams, and other intensive tasks. If disabled, speak with a Chicago compensation attorney to secure your benefits.
- [Office Managers](https://www.chicagodisabilitylawyers.com/occupations/office-managers/): Office managers work hard for their employees, so if they become physically or mentally unable to continue working, speak with a Chicago long term disability lawyer about coverage.
- [Nurses](https://www.chicagodisabilitylawyers.com/occupations/nurses/): Many nurses develop physical or mental disabilities that prevent them from caring for patients, and they need disability benefits. Call a Chicago disability insurance lawyer today.
- [Network Engineers](https://www.chicagodisabilitylawyers.com/occupations/network-engineers/): If you are a network engineer denied your entitled benefits, call our Glenview ERISA lawyer to fight your claim. Bartolic Law advocates for clients facing benefits denials.
- [Lawyers](https://www.chicagodisabilitylawyers.com/occupations/lawyers/): Lawyers often complete field work requiring long hours, which may be impossible with certain disabilities. Get your Chicago long term disability benefits—contact Bartolic Law.
- [IT Support Professionals](https://www.chicagodisabilitylawyers.com/occupations/it-support-professionals/): Some IT support professionals have their careers suddenly ended because of disability, and they need insurance benefits for financial support. Call a Chicago disability insurance lawyer.
- [Invasive Cardiologists](https://www.chicagodisabilitylawyers.com/occupations/invasive-cardiologists/): Working as an invasive cardiologist requires precision and dexterity, which may be difficult with a health condition. Seek insurance benefits with a Chicago ERISA appeals lawyer today.
- [Human Resources Professionals](https://www.chicagodisabilitylawyers.com/occupations/human-resources-professionals/): If your career in human resources is halted by a mental or physical disability, you need to start receiving benefits right away. A Chicago disability insurance lawyer can help.
- [Flight Attendants](https://www.chicagodisabilitylawyers.com/occupations/flight-attendants/): As a flight attendant, you know the physical demands of your job. If a health condition makes standing difficult, call a Chicago compensation attorney at Bartolic Law.
- [Financial Managers](https://www.chicagodisabilitylawyers.com/occupations/financial-managers/): Financial managers must complete long hours of desk work, which can be difficult if a health condition affects your back or wrists. A Chicago compensation lawyer can help get benefits.
- [ER Doctors](https://www.chicagodisabilitylawyers.com/occupations/er-doctors/): As a physically intensive and highly stressful job, ER doctors may struggle, particularly if they have a disability. Call our Evanston ERISA appeals lawyer today.
- [Engineers](https://www.chicagodisabilitylawyers.com/occupations/engineers/): Many different disabling conditions can prevent engineers from working and earning a living as they once did. If you need to file a claim, call a Chicago disability insurance lawyer.
- [Dentists](https://www.chicagodisabilitylawyers.com/occupations/dentists/): Dentists must meet many requirements and build their practices, and a disability can derail that work. If you need to file a claim, call a Chicago disability benefits attorney.
- [Delivery Service Drivers](https://www.chicagodisabilitylawyers.com/occupations/delivery-service-drivers/): Operating a delivery service can be physically taxing if you cannot sit or lift heavy objects. Explore benefits with a Chicago retirement plan benefits lawyer at Bartolic Law.
- [Construction Workers](https://www.chicagodisabilitylawyers.com/occupations/construction-workers/): Construction workers face daily dangers and perform heavy physical work for hours. If you are unable to work, discuss benefits with a Chicago retirement plan benefits lawyer.
- [Chiropractors](https://www.chicagodisabilitylawyers.com/occupations/chiropractors/): Chiropractors need many physical and mental abilities to perform their jobs, and many disabling conditions can keep them out of work. Call a Chicago disability benefits attorney.
- [Childcare Workers](https://www.chicagodisabilitylawyers.com/occupations/childcare-workers/): If you suffer from chronic pain as a childcare worker, you may have trouble completing work tasks. Discover if you’re eligible for benefits with an Evanston ERISA attorney.
- [Cardiac Surgeons](https://www.chicagodisabilitylawyers.com/occupations/cardiac-surgeons/): Cardiac surgery is a physically intensive job requiring standing and hand dexterity. If a disability prevents you from working, a Chicago ERISA lawyer can help pursue your benefits.
- [Banking Professionals](https://www.chicagodisabilitylawyers.com/occupations/banking-professionals/): Banking professionals face physical and mental roadblocks at work, some of which may warrant compensation. Call a Chicago long term disability attorney today.
- [Bank Tellers](https://www.chicagodisabilitylawyers.com/occupations/bank-tellers/): Injured bank tellers may need to work with a Chicago ERISA attorney to receive compensation for an inability to work. Contact Bartolic Law right away.
- [Anesthesiologists](https://www.chicagodisabilitylawyers.com/occupations/anesthesiologists/): Working as an anesthesiologist involves intensive tasks. When injured, continuing your career can seem impossible. Call a Chicago retirement plan benefits claim attorney today.
- [Airline Workers](https://www.chicagodisabilitylawyers.com/occupations/airline-workers/): If you have a disability as an airline worker, you may have trouble handling your job tasks. With a Chicago compensation attorney, it may be possible to get compensation. Call today.
- [Administrative Assistants](https://www.chicagodisabilitylawyers.com/occupations/administrative-assistants/): If you are an administrative assistant, you’re well-aware of the possible injuries you may face on-the-job. A Chicago ERISA lawyer can clearly explain your rights. Call us today.
- [Accountants](https://www.chicagodisabilitylawyers.com/occupations/accountants/): If you trained and worked as an accountant, you have a lot on the line if you can no longer work because of a disability. Contact a Chicago disability insurance lawyer right away.
- [Occupations](https://www.chicagodisabilitylawyers.com/occupations/): Bartolic Law serves clients with disabilities across various occupations. Our Chicago ERISA lawyer helps secure compensation when you cannot work. Call today for a consultation.
- [Long Term Disability Lawsuits](https://www.chicagodisabilitylawyers.com/what-we-do/long-term-disability-insurance/long-term-disability-lawsuits/): In some situations, it’s possible to pursue a lawsuit following a claim denial. Contact a Palos Heights long term disability attorney to discuss your case.
- [Long term Disability](https://www.chicagodisabilitylawyers.com/areas-of-practice/long-term-disability/): A disability is a life-changing condition, and long term care is often helpful. Fight for your rightful benefits alongside a Chicago long term disability lawyer today.
- [Long Term Disability Claims](https://www.chicagodisabilitylawyers.com/areas-of-practice/long-term-disability-claims/): If your long term disability claim was denied, you’re likely very confused. A Glenview long term disability attorney can provide the clarity you need.
- [Retirement and Pension Benefits](https://www.chicagodisabilitylawyers.com/what-we-do/retirement-and-pension-benefits/): After retiring, individuals rely on pensions and benefits. If you aren’t receiving what you’re entitled to, a Chicago retirement plan benefits lawyer can review your case. Call today.


## Posts

- [What Insurers Look for When Reviewing Accidental Death Claims Involving Medical Events](https://www.chicagodisabilitylawyers.com/what-insurers-look-for-when-reviewing-accidental-death-claims-involving-medical-events/): An insurer's denial of an accidental death claim is not the final word. See how Bartolic Law challenges claim denials and fights for beneficiaries.
- [What to Do If Your FCE Report Misrepresents Your Pain or Performance](https://www.chicagodisabilitylawyers.com/what-to-do-if-your-fce-report-misrepresents-your-pain-or-performance/): An inaccurate Functional Capacity Evaluation (FCE) can jeopardize your disability claim. Bartolic Law explains how to challenge a flawed report by documenting errors, seeking a second opinion, and submitting strong rebuttal evidence to support your appeal.
- [How to Challenge an Accidental Death Denial Based on "Voluntary Risk" Exclusions](https://www.chicagodisabilitylawyers.com/how-to-challenge-an-accidental-death-denial-based-on-voluntary-risk-exclusions/): If your AD&D insurance claim was denied based on a "voluntary risk" exclusion, you have legal options. See how to challenge the denial by analyzing policy language, using witness testimony, and applying legal precedents. Contact Bartolic Law for a case review.
- [What Insurers Look for When Evaluating Depression and Anxiety Claims](https://www.chicagodisabilitylawyers.com/what-insurers-look-for-when-evaluating-depression-and-anxiety-claims/): Find out what insurers look for when evaluating mental health disability claims. Bartolic Law explains how therapy, medication, and functional impairment affect your claim's outcome.
- [How Do Insurers Apply the "Look-Back Period" to Deny LTD Claims?](https://www.chicagodisabilitylawyers.com/how-do-insurers-apply-the-look-back-period-to-deny-ltd-claims/): Insurers use look-back periods to tie old symptoms to new conditions and deny LTD claims. Don’t accept their version of your story. Appeal with Bartolic Law.
- [How Do Life Insurers Investigate Alleged Policy Lapses?](https://www.chicagodisabilitylawyers.com/how-do-life-insurers-investigate-alleged-policy-lapses/): Life insurers build policy lapse cases using payment gaps and timelines, but they miss key details. Let Bartolic Law fight your claim denial.
- [When a Beneficiary Dispute Can Delay or Deny Payment](https://www.chicagodisabilitylawyers.com/when-a-beneficiary-dispute-can-delay-or-deny-payment/): A beneficiary dispute can delay or deny your life insurance payment. Bartolic Law explains common reasons for delays and outlines how you can protect your rights and secure your financial future.
- [How Insurers Use Outdated Job Descriptions to Deny Disability Benefits](https://www.chicagodisabilitylawyers.com/how-insurers-use-outdated-job-descriptions-to-deny-disability-benefits/): Learn how insurance companies use outdated job descriptions to deny long-term disability benefits and discover strategies to challenge their decision. Fight back against an unfair denial and secure your benefits with the help of Bartolic Law.
- [How Disability Insurers Use FCE Results to Challenge Your Work Restrictions](https://www.chicagodisabilitylawyers.com/how-disability-insurers-use-fce-results-to-challenge-your-work-restrictions/): Disability insurers often use Functional Capacity Evaluation (FCE) results to deny claims. Learn how to challenge misleading FCE reports and protect your rights. Contact Bartolic Law for legal guidance on your disability appeal.
- [Why Insurers Claim "Insufficient Evidence" Even When Your Doctor Supports Disability](https://www.chicagodisabilitylawyers.com/why-insurers-claim-insufficient-evidence-even-when-your-doctor-supports-disability/): Is your long-term disability claim denied for "insufficient evidence" despite your doctor's support? Learn why insurers use this tactic and how Bartolic Law can help you fight back and win your appeal.
- [Common Reasons LTD Benefits Are Terminated After Review](https://www.chicagodisabilitylawyers.com/common-reasons-ltd-benefits-are-terminated-after-review/): Find out why LTD benefits are often terminated and how to fight back. Bartolic Law assists with appeals, ensuring you get the disability benefits you deserve.
- [Who Controls Your ERISA Claim: Employer or Insurer?](https://www.chicagodisabilitylawyers.com/who-controls-your-erisa-claim-employer-or-insurer/): Find out who controls your ERISA disability claim: your employer or the insurer. Understand plan administrators, discretionary authority, and your rights. Bartolic Law can assist you in navigating the appeals process and turning denial into approval.
- [Why LTD Terminations Happen After an Independent Medical Exam](https://www.chicagodisabilitylawyers.com/why-ltd-terminations-happen-after-an-independent-medical-exam/): Learn why LTD benefits are often terminated after an Independent Medical Exam (IME) and how to fight back against biased reports. Contact Bartolic Law for help reinstating your benefits.
- [How to Transition from Short-Term to Long-Term Disability Without Gaps](https://www.chicagodisabilitylawyers.com/how-to-transition-from-short-term-to-long-term-disability-without-gaps/): Learn how to smoothly transition from short-term to long-term disability without gaps in your benefits. Bartolic Law covers timing, documentation, and how to avoid common denial traps. Secure your financial support when you need it most.
- [How to Prove Disability for Skilled Trades and Manual Laborers](https://www.chicagodisabilitylawyers.com/how-to-prove-disability-for-skilled-trades-and-manual-laborers/): Skilled tradespeople and manual laborers face unique challenges when proving disability. Learn how to substantiate your long-term disability claim. Contact Bartolic Law to secure the benefits you deserve.
- [How Age Plays a Role in Long-Term Disability Decisions](https://www.chicagodisabilitylawyers.com/how-age-plays-a-role-in-long-term-disability-decisions/): Did you know your age can impact your long-term disability claim? Learn how age influences LTD decisions, from medical evaluations to benefit duration, and discover the strategies needed to secure your benefits. Contact Bartolic Law for help.
- [Tips for Communicating with Insurance Adjusters](https://www.chicagodisabilitylawyers.com/tips-for-communicating-with-insurance-adjusters/): Learn key tips for communicating with insurance adjusters to improve your long term disability claim's outcome. Contact Bartolic Law for help.
- [What Tech Workers Should Know About Pre-Existing Conditions and LTD Claims](https://www.chicagodisabilitylawyers.com/what-tech-workers-should-know-about-pre-existing-conditions-and-ltd-claims/): Bartolic Law helps tech workers understand pre-existing conditions in LTD claims. Learn to protect your benefits and what steps to take if your long-term disability claim is denied.
- [Can You Work Part-Time and Still Receive LTD Benefits?](https://www.chicagodisabilitylawyers.com/can-you-work-part-time-and-still-receive-ltd-benefits/): Understand how part-time work impacts your long-term disability (LTD) benefits. Bartolic Law explains policy review, benefit reduction, "own occupation" vs. "any occupation" clauses, and how to protect your financial support.
- [How to Prove a Disability Claim for Cognitive Impairments in Tech Roles](https://www.chicagodisabilitylawyers.com/how-to-prove-a-disability-claim-for-cognitive-impairments-in-tech-roles/): Learn how to prove a long-term disability claim for cognitive impairments in tech roles. Get tips on evidence, documentation, and overcoming insurer denials from Bartolic Law.
- [Repetitive Strain Injuries in Tech Workers: Can You Qualify for Long-Term Disability?](https://www.chicagodisabilitylawyers.com/repetitive-strain-injuries-in-tech-workers-can-you-qualify-for-long-term-disability/): Learn how tech workers with Repetitive Strain Injuries (RSIs) can qualify for Long-Term Disability benefits. Get tips on proving your claim and handling denials with the help of Bartolic Law.
- [Understanding the Fine Print in Long-Term Disability Policies and Avoiding Claim Denials  ](https://www.chicagodisabilitylawyers.com/understanding-the-fine-print-in-long-term-disability-policies-and-avoiding-claim-denials/): Avoid LTD claim denials with legal guidance. Learn about common pitfalls and how a Chicago long-term disability appeals attorney at Bartolic Law can help protect your benefits.
- [How Remote Work Arrangements Affect Long-Term Disability Claims in the Tech Industry](https://www.chicagodisabilitylawyers.com/how-remote-work-arrangements-affect-long-term-disability-claims-in-the-tech-industry/): How does remote work impact long-term disability claims in the tech industry? Bartolic Law, a Chicago tech worker disability lawyer, helps clients tackle these complex claims.
- [How Temporarily Returning to Work Can Impact Your Disability Benefits](https://www.chicagodisabilitylawyers.com/how-temporarily-returning-to-work-can-impact-your-disability-benefits/): Learn how temporary work can impact your disability benefits. Get guidance from a trusted Chicago long-term disability lawyer at Bartolic Law to protect your rights.
- [What Happens If You Can No Longer Work But Your Long-Term Disability Claim Is Denied?](https://www.chicagodisabilitylawyers.com/what-happens-if-you-can-no-longer-work-but-your-long-term-disability-claim-is-denied/): Denied long-term disability claim? An Evanston long-term disability attorney at Bartolic Law can help. Learn the steps to appeal and secure your benefits.
- [Can You Recover Attorney’s Fees for Winning Your Long-Term Disability Appeal?](https://www.chicagodisabilitylawyers.com/can-you-recover-attorneys-fees-for-winning-your-long-term-disability-appeal/): Employees in Chicago and around the rest of the county with denied or terminated claims for long-term disability insurance often...
- [Can You Collect Long-Term Disability Insurance While Living in Another Country?](https://www.chicagodisabilitylawyers.com/can-you-collect-long-term-disability-insurance-while-living-in-another-country/): Employees in Chicago and the rest of Illinois receiving long-term disability insurance benefits generally have less income than they did...
- [Proving Disability for Tech Workers in Specialized Roles](https://www.chicagodisabilitylawyers.com/proving-disability-for-tech-workers-in-specialized-roles/): Struggling to prove disability in a tech role? Bartolic Law, your Oak Park long term disability attorney, secures benefits for tech professionals. Let us help.
- [Does Long-Term Disability Insurance Cover Chronic Illnesses Like Cancer or MS?](https://www.chicagodisabilitylawyers.com/does-long-term-disability-insurance-cover-chronic-illnesses-like-cancer-or-ms/): Learn how chronic illnesses like cancer or MS are covered by LTD insurance. Get guidance from a Chicago long-term disability lawyer at Bartolic Law.
- [What Should I Know About Appealing a Long-Term Disability Denial Without an Attorney?](https://www.chicagodisabilitylawyers.com/what-should-i-know-about-appealing-a-long-term-disability-denial-without-an-attorney/): Learn the requirements for appealing a long-term disability. For reliable guidance, contact a Chicago long-term disability appeals attorney at Bartolic Law.
- [What Happens If I Miss the ERISA Appeal Deadline?](https://www.chicagodisabilitylawyers.com/what-happens-if-i-miss-the-erisa-appeal-deadline/): Missed your ERISA appeal deadline? Learn about potential remedies and how a Glenview ERISA attorney at Bartolic Law can help you navigate your options.
- [Are Mental Health Conditions Covered Under Long-Term Disability Insurance?](https://www.chicagodisabilitylawyers.com/are-mental-health-conditions-covered-under-long-term-disability-insurance/): Get help with mental health-related disability claims from a trusted Chicago long-term disability lawyer. Bartolic Law turns denials into approvals. Contact us today.
- [What Is the Difference Between Short-Term and Long-Term Disability Insurance?](https://www.chicagodisabilitylawyers.com/what-is-the-difference-between-short-term-and-long-term-disability-insurance/): Learn the difference between short-term and long-term disability insurance. If your long-term disability claim was denied, Bartolic Law, your trusted La Grange long-term disability lawyer can help secure your benefits.
- [Should I Seek Legal Representation for a Denied ERISA Claim?](https://www.chicagodisabilitylawyers.com/should-i-seek-legal-representation-for-a-denied-erisa-claim/): If your ERISA claim has been denied, a La Grange ERISA lawyer from Bartolic Law can help. Learn how legal representation can improve your chances of securing the benefits you deserve.
- [How Are Psychological Conditions Evaluated in Long-Term Disability Cases?](https://www.chicagodisabilitylawyers.com/how-are-psychological-conditions-evaluated-in-long-term-disability-cases/): Learn how psychological conditions are evaluated in long-term disability claims. Contact a Glenview long-term disability attorney at Bartolic Law for guidance.
- [Common Misconceptions About Long-Term Disability Appeals](https://www.chicagodisabilitylawyers.com/common-misconceptions-about-long-term-disability-appeals/): Get reliable guidance from a Chicago long-term disability appeals attorney. Bartolic Law can help overturn denials and secure the benefits you deserve.
- [Do ERISA Claim Deadlines Matter?](https://www.chicagodisabilitylawyers.com/do-erisa-claim-deadlines-matter/): Learn why ERISA claim deadlines matter and how missing them can impact your benefits. Contact a Chicago ERISA attorney at Bartolic Law for help navigating your claim.
- [How Much Does Long-Term Disability Pay?](https://www.chicagodisabilitylawyers.com/how-much-does-long-term-disability-pay-2/): Need help with long-term disability benefits? Contact our Skokie long term disability lawyers today for a consultation and guidance on your claim.
- [What is the Importance of Medical Expert Opinions in ERISA Claims?](https://www.chicagodisabilitylawyers.com/what-is-the-importance-of-medical-expert-opinions-in-erisa-claims/): Learn how credible medical expert opinions can strengthen your Chicago ERISA claim. Bartolic Law leverages detailed analysis to fight denied benefits and build a strong case for you.
- [What Should I Include in a Long Term Disability Appeal Letter?](https://www.chicagodisabilitylawyers.com/what-should-i-include-in-a-long-term-disability-appeal-letter/): Learn how to strengthen your Chicago disability benefits appeal with practical tips and professional guidance from Bartolic Law to maximize your chances of success.
- [What Role Do Administrative Remedies Have in ERISA Cases?](https://www.chicagodisabilitylawyers.com/what-role-do-administrative-remedies-have-in-erisa-cases/): Learn how to effectively handle ERISA claim denials in Chicago with these practical tips and see how Bartolic Law can provide guidance to secure your benefits.
- [What Happens If Your Employer Fails to Comply with ERISA Regulations?](https://www.chicagodisabilitylawyers.com/what-happens-if-your-employer-fails-to-comply-with-erisa-regulations/): Learn how to protect your employee benefits under ERISA, address denied claims, and take action with legal guidance from Bartolic Law. Call our Oak Park ERISA attorney for legal help.
- [What Happens if You Have a Relapse After Returning to Work on Long-Term Disability?](https://www.chicagodisabilitylawyers.com/what-happens-if-you-have-a-relapse-after-returning-to-work-on-long-term-disability/): Facing a relapse after returning to work? A Chicago long term disability attorney from Bartolic Law can help you understand your rights and secure the support you deserve.
- [What Evidence Helps with Disability Claims?](https://www.chicagodisabilitylawyers.com/what-evidence-helps-with-disability-claims/): Unlock the path to securing your Oak Park disability benefits with Bartolic Law. Contact us today for trusted advocacy and maximize your chances of a successful outcome.
- [Top Questions to Ask About Your Long-Term Disability Insurance Policy](https://www.chicagodisabilitylawyers.com/top-questions-to-ask-about-your-long-term-disability-insurance-policy/): Discover vital tips about long-term disability insurance with Bartolic Law. A Glenview long-term disability lawyer can help safeguard your benefits and tackle claims with confidence.
- [What are Effective Ways to Overturn a Denied Long Term Disability Claim?](https://www.chicagodisabilitylawyers.com/what-are-effective-ways-to-overturn-a-denied-long-term-disability-claim/): Get effective strategies from Bartolic Law to challenge denied long-term disability claims near Chicago and increase your chances of approval. Contact us to secure the benefits you deserve.
- [Put Forth All Your Evidence During Administrative Review of Long-Term Disability Claims](https://www.chicagodisabilitylawyers.com/put-forth-all-your-evidence-during-administrative-review-of-long-term-disability-claims/): Denied LTD benefits? Contact an Evanston long term disability attorney to ensure all evidence is submitted before litigation—don’t risk losing your claim.
- [What to Do When Your Doctor Agrees with the Long-Term Disability Insurer’s Opinion You Can Work](https://www.chicagodisabilitylawyers.com/what-to-do-when-your-doctor-agrees-with-the-long-term-disability-insurers-opinion-you-can-work/): Doctor sided with the insurer? A Chicago long term disability attorney can help protect your claim with strong evidence and strategy. Don’t delay—get help now.
- [How Does Mental Illness Factor into Long Term Disability Claims?](https://www.chicagodisabilitylawyers.com/how-does-mental-illness-factor-into-long-term-disability-claims/): Get insights on mental illness disability claims. Bartolic Law's long-term disability claim attorney in Chicago helps gather evidence, tackle evaluations, and protect your rights.
- [What are Common Reasons for an ERISA Claim Denial?](https://www.chicagodisabilitylawyers.com/what-are-common-reasons-for-an-erisa-claim-denial/): Discover why ERISA claims get denied and how to build a stronger case. Bartolic Law provides legal guidance to help secure your benefits. Contact our Evanston ERISA lawyer today.
- [Importance of Maintaining Treatment While Receiving Long-Term Disability Benefits](https://www.chicagodisabilitylawyers.com/importance-of-maintaining-treatment-while-receiving-long-term-disability-benefits/): Paused treatment? You could risk your benefits. An Chicago ERISA attorney can help ensure your claim stays protected—call now to safeguard your coverage.
- [How to Prove Chronic Pain in a Disability Insurance Claim](https://www.chicagodisabilitylawyers.com/how-to-prove-chronic-pain-in-a-disability-insurance-claim/): Learn how to effectively prove chronic pain in disability insurance claims from Bartolic Law. Call our Chicago chronic pain claim lawyer to get the support you need and secure the benefits you deserve.
- [What Does a "Reservation of Rights" Mean for My Long Term Disability Claim?](https://www.chicagodisabilitylawyers.com/what-does-a-reservation-of-rights-mean-for-my-long-term-disability-claim/): Bartolic Law reviews Reservation of Rights letters, providing insights to protect your rights. Contact our Evanston long term disability attorney to learn more.
- [What to Know about Filing a Long Term Disability Claim for a Pulmonary Condition](https://www.chicagodisabilitylawyers.com/what-to-know-about-filing-a-long-term-disability-claim-for-a-pulmonary-condition/): Bartolic Law provides essential information for individuals filing long-term disability claims near Chicago due to pulmonary conditions. Contact us today for legal guidance.
- [How an LTD Attorney Can Help You Document the Full Duties of Your Occupation](https://www.chicagodisabilitylawyers.com/how-an-ltd-attorney-can-help-you-document-the-full-duties-of-your-occupation/): Maximize your chances of success in your disability claim by properly documenting your job duties. Contact the Chicago disability lawyers at Bartolic Law for assistance.
- [Can you collect disability benefits for medication side effects?](https://www.chicagodisabilitylawyers.com/can-you-collect-disability-benefits-for-medication-side-effects/): Learn how to navigate the complexities of securing disability benefits for medication side effects with guidance from Bartolic Law. Contact our Chicago disability lawyer to get started.
- [Common Mistakes Made When Appealing a Long Term Disability Denial](https://www.chicagodisabilitylawyers.com/common-mistakes-made-when-appealing-a-long-term-disability-denial/): Learn how to avoid common mistakes when appealing a long-term disability denial in Chicago. Bartolic Law provides tips on how to secure your benefits with confidence.
- [Should You Appeal a Long-Term Disability Denial that Provides No Explanation for the Denial?](https://www.chicagodisabilitylawyers.com/should-you-appeal-a-long-term-disability-denial-that-provides-no-explanation-for-the-denial/): A Skokie long term disability attorney can help challenge vague denial letters and ensure your insurer complies with ERISA rules—don’t risk your claim. Call us today.
- [How the 24-Month Mental Illness Limitation Applies When Your Long-Term Disability Insurance Claim Contains Physical and Mental Limitations](https://www.chicagodisabilitylawyers.com/how-the-24-month-mental-illness-limitation-applies-when-your-long-term-disability-insurance-claim-contains-physical-and-mental-limitations/): Facing a denied disability claim? Our Chicago long term disability attorney fights back when insurers wrongly blame mental health for a disability caused by physical illness. Call today.
- [Importance of Regularly Attending Doctor Appointments to Support Your Long-Term Disability Claim](https://www.chicagodisabilitylawyers.com/importance-of-regularly-attending-doctor-appointments-to-support-your-long-term-disability-claim/): Employees in Illinois may face denials of long-term disability benefits if they fail to follow up with their doctors. Our Chicago long term disability attorneys can help protect your rights.
- [Long-Term Disability Insurers Must Provide You New Evidence in Advance of the Deadline to Decide Your Appeal](https://www.chicagodisabilitylawyers.com/long-term-disability-insurers-must-provide-you-new-evidence-in-advance-of-the-deadline-to-decide-your-appeal/): Facing a denied long-term disability claim? A recent case highlights the importance of timely access to new evidence. Call our Glenview long term disability lawyer today.
- [What Is Proof of Loss in ERISA Long-Term Disability Claims?](https://www.chicagodisabilitylawyers.com/what-is-proof-of-loss-in-erisa-long-term-disability-claims/): Bartolic Law explores proof of loss in Chicago ERISA long-term disability claims. Contact us to learn how we can assist in securing your benefits.
- [Long-Term Disability Insurers Must Consider Cognitive Demands of the Occupation](https://www.chicagodisabilitylawyers.com/long-term-disability-insurers-must-consider-cognitive-demands-of-the-occupation/): Facing cognitive challenges from illness or treatment? A Chicago ERISA long-term disability lawyer can help fight unfair benefit denials and protect your rights to coverage.
- [Long-Term Disability Insurer Criticized for Use of eDOT Definition of Light Work](https://www.chicagodisabilitylawyers.com/long-term-disability-insurer-criticized-for-use-of-edot-definition-of-light-work/): Disputing a denial? A Chicago ERISA long-term disability lawyer can challenge improper use of eDOT definitions and fight for rightful benefits under your policy.
- [Michael Bartolic Wins Pension Claim on Behalf of Former Employee of KONE, Inc.](https://www.chicagodisabilitylawyers.com/michael-bartolic-wins-pension-claim-on-behalf-of-former-employee-of-kone-inc/): Pension benefits dispute? A Chicago ERISA pension and retirement benefits lawyer can help ensure employers apply plan terms fairly and lawfully in benefit calculations.
- [What to Know About Long Covid and Long Term Disability Benefits](https://www.chicagodisabilitylawyers.com/what-to-know-about-long-covid-and-long-term-disability-benefits/): Learn how Long Covid can qualify as a long-term disability, the steps to file a claim, and the importance of consulting a Chicago disability lawyer like Bartolic Law.
- [What are pre-existing limitations?](https://www.chicagodisabilitylawyers.com/what-are-pre-existing-limitations/): Understand pre-existing limitations in Glenview long-term disability insurance and get legal advice from Bartolic Law on overcoming claim denials.
- [What is a Forum Selection Clause in an ERISA Plan?](https://www.chicagodisabilitylawyers.com/what-is-a-forum-selection-clause-in-an-erisa-plan/): Gain insights into forum selection clauses in ERISA plans from Bartolic Law. Contact us for any legal assistance or evaluation of your Evanston ERISA plan.
- [When to get an attorney involved in your ERISA case](https://www.chicagodisabilitylawyers.com/when-to-get-an-attorney-involved-in-your-erisa-case/): Bartolic Law, an ERISA attorney in Chicago, provides clear insights on when to seek legal help. Trust their guidance to safeguard your rights in ERISA cases.
- [What is a Benefit Overpayment?](https://www.chicagodisabilitylawyers.com/what-is-a-benefit-overpayment/): Bartolic Law aids with long term disability benefits in Glenview, tackling overpayments by addressing causes, consequences, and prevention to protect your financial and legal rights.
- [How Soon After a Long Term Disability Claim Denial Can You Submit an Appeal?](https://www.chicagodisabilitylawyers.com/how-soon-after-a-long-term-disability-claim-denial-can-you-submit-an-appeal/): Gain insights on reversing a long-term disability claim denial from Bartolic Law. Reach out to our Chicago disability claim attorney for legal guidance.
- [What Does Disabled Mean?](https://www.chicagodisabilitylawyers.com/what-does-disabled-mean/): Learn about the types of disabilities, the legal framework, and how we can guide you through claims and appeals to secure the benefits you deserve. Contact our LTD attorneys near Chicago.
- [How your social media posts can affect your disability claim](https://www.chicagodisabilitylawyers.com/how-your-social-media-posts-can-affect-your-disability-claim/): Explore how social media can influence your disability claim with Bartolic Law. Contact our Chicago disability attorney for legal guidance.
- [What information is included in an ERISA denial?](https://www.chicagodisabilitylawyers.com/what-information-is-included-in-an-erisa-denial/): ERISA claim denials with clarity and confidence. Contact our Chicago ERISA attorneys at Bartolic Law for personalized legal assistance.
- [5 Questions to Ask During Your Consultation with a Long Term Disability Attorney](https://www.chicagodisabilitylawyers.com/5-questions-to-ask-during-your-consultation-with-a-long-term-disability-attorney/): Explore key questions to ask a Chicago long-term disability attorney to ensure you're well-represented. Learn how we can guide you through your claim with professionalism and innovation.
- [What is an Independent Medical Reviewer?](https://www.chicagodisabilitylawyers.com/what-is-an-independent-medical-reviewer/): Learn about the role of an independent medical reviewer in Chicago long-term disability claim processes. Contact Bartolic Law for help advocating for your rights.
- [What is the Role of Expert Witnesses in an ERISA Litigation Case?](https://www.chicagodisabilitylawyers.com/what-is-the-role-of-expert-witnesses-in-an-erisa-litigation-case/): Expert witnesses are key in ERISA cases. Contact us to consult and see how our Chicago ERISA attorneys use them effectively to strengthen your case.
- [Will My Insurance Company Conduct Surveillance During My Long-Term Disability Case?](https://www.chicagodisabilitylawyers.com/will-my-insurance-company-conduct-surveillance-during-my-long-term-disability-case/): Explore the practice of disability surveillance by insurance companies during Chicago long-term disability cases. Learn how Bartolic Law can guide you through this complex process.
- [How Can I Prepare for an Independent Medical Evaluation?](https://www.chicagodisabilitylawyers.com/how-can-i-prepare-for-an-independent-medical-evaluation/): Bartolic Law explains how to prepare for an Independent Medical Evaluation (IME) when applying for disability benefits. Contact us for help navigating your Chicago disability claim.
- [What damages can be recovered in an ERISA lawsuit?](https://www.chicagodisabilitylawyers.com/what-damages-can-be-recovered-in-an-erisa-lawsuit/): Explore the complexities of ERISA lawsuits, understand potential damages, and navigate the process with tips from a Chicago ERISA attorney. Contact us today for a consultation.
- [What Happens to My Long-Term Disability Benefits If I Lose My Job?](https://www.chicagodisabilitylawyers.com/what-happens-to-my-long-term-disability-benefits-if-i-lose-my-job/): Bartolic Law helps clients explore options after losing a job while on LTD benefits. Our Chicago long term disability attorney protects the rights of LTD beneficiaries.
- [Why Can Permanent Long Term Disability Payments Be Canceled?](https://www.chicagodisabilitylawyers.com/why-can-permanent-long-term-disability-payments-be-canceled/): Long-term disability (LTD) insurance offers financial support to people unable to work due to disability. Call a Chicago long term disability lawyer from Bartolic Law to get the help you need.
- [Why You Must Closely Read the Reasons an Insurer Gives for Denying Your Life Insurance Claim](https://www.chicagodisabilitylawyers.com/why-you-must-closely-read-the-reasons-an-insurer-gives-for-denying-your-life-insurance-claim/): If your life insurance claim was denied, a Chicago ERISA life insurance lawyer can help you understand your rights and challenge the denial. Reach out for a case review.
- [Why You Need Vocational Evidence in Long-Term Disability Insurance Claims](https://www.chicagodisabilitylawyers.com/why-you-need-vocational-evidence-in-long-term-disability-insurance-claims/): Facing a denied long-term disability claim in Chicago? Discover how vocational evidence can strengthen your ERISA long-term disability benefits case.
- [What Is An Attending Physician Statement?](https://www.chicagodisabilitylawyers.com/what-is-an-attending-physician-statement/): Attending physician statements play an important role in getting approved for long-term disability benefits in Chicago. Contact Bartolic Law today.
- [When a Functional Capacity Evaluation Can Help Your Long-Term Disability Claim](https://www.chicagodisabilitylawyers.com/when-a-functional-capacity-evaluation-can-help-your-long-term-disability-claim/): Employees in Illinois making long-term disability claims often overlook the importance of a functional capacity evaluation. Contact a Chicago ERISA lawyer today!
- [When Returning to Work Can Hurt Your Long-Term Disability Claim](https://www.chicagodisabilitylawyers.com/when-returning-to-work-can-hurt-your-long-term-disability-claim/): Returning to work after an injury can impact your long-term disability claim. In one case, working for over two years led to a denial. Contact our Chicago ERISA lawyer today.
- [The 3 Phases of Long-Term Disability Claims and Appeals](https://www.chicagodisabilitylawyers.com/the-3-phases-of-long-term-disability-claims-and-appeals/): There is a three-step process for obtaining long-term disability benefits and appealing denied claims. Consult with long term disability claim attorney in Chicago for appeals.
- [Who is the Liable Party in ERISA Claims?](https://www.chicagodisabilitylawyers.com/who-is-the-liable-party-in-erisa-claims/): Federal law governs appeals for denied employer-provided benefits. Our Chicago ERISA litigation lawyer explains who may be liable in a lawsuit.
- [Can You Qualify for Long-Term Disability With an Autoimmune Disease?](https://www.chicagodisabilitylawyers.com/can-you-qualify-for-long-term-disability-with-an-autoimmune-disease/): Autoimmune disorders are a leading cause of long-term disabilities. Our Chicago long-term disability lawyer explains how to protect your rights to benefits.
- [When Surveillance Can Hurt Your Long-Term Disability Claim](https://www.chicagodisabilitylawyers.com/when-surveillance-can-hurt-your-long-term-disability-claim/): Surveillance can hurt long-term disability claims if it shows activity inconsistent with medical restrictions. Contact a Skokie lawyer if your claim is under investigation.
- [Proving Mental Disability in a Long-Term Disability Case](https://www.chicagodisabilitylawyers.com/proving-mental-disability-in-a-long-term-disability-case/): Our Chicago long-term disability attorneys explain how to prove mental disability in a long-term disability benefits claim.
- [Does Long-Term Disability Have to Be Tied to a Work-Related Injury?](https://www.chicagodisabilitylawyers.com/does-long-term-disability-have-to-be-tied-to-a-work-related-injury/): Wondering if long-term disability insurance in Chicago requires an on-the-job injury? Some plans do. Bartolic Law is here to help with your claim. Contact us today!
- [What Happens When a Long-Term Disability Insurer Terminates Benefits While Your Condition Gets Worse?](https://www.chicagodisabilitylawyers.com/what-happens-when-a-long-term-disability-insurer-terminates-benefits-while-your-condition-gets-worse/): Facing a long-term disability claim in Chicago or Illinois? If benefits were terminated despite worsening conditions, Bartolic Law can help. Contact us for guidance.
- [Are Annual Bonuses “Current Monthly Earnings” for Purposes of Partial Long-Term Disability Benefits?](https://www.chicagodisabilitylawyers.com/are-annual-bonuses-current-monthly-earnings-for-purposes-of-partial-long-term-disability-benefits/): Employees in Illinois with long-term disability benefits may wonder if bonuses count toward earnings thresholds. Our Chicago technology workers disability lawyer can help—contact us today.
- [How Long Do I Have to Appeal My Long-Term Disability Claim Denial?](https://www.chicagodisabilitylawyers.com/how-long-do-i-have-to-appeal-my-long-term-disability-claim-denial/): To ensure long-term disability appeals are filed within deadlines, contact our Chicago long-term disability lawyer.
- [How Much Does Long-Term Disability Pay?](https://www.chicagodisabilitylawyers.com/how-much-does-long-term-disability-pay/): LTD insurance usually pays 50-80% of pre-disability earnings. Factors like COLA and offsets may impact payouts. Our Chicago long term disability lawyer can help clarify.
- [Can I File a Long-Term Disability Claim After Age 65?](https://www.chicagodisabilitylawyers.com/can-i-file-a-long-term-disability-claim-after-age-65/): LTD policies often stop at 65, but disabilities after that may still qualify for benefits. Our Chicago disability lawyer helps clients with complex claims.
- [Must You Stop Working to Submit a Claim for Long-Term Disability Benefits?](https://www.chicagodisabilitylawyers.com/must-you-stop-working-to-submit-a-claim-for-long-term-disability-benefits/): Evanston tech worker disability attorneys can help if your claim is denied or delayed. Contact us today for guidance in navigating your long-term disability claim.
- [What is a Vocational Expert and What Role Do They Play in Your Case?](https://www.chicagodisabilitylawyers.com/what-is-a-vocational-expert-and-what-role-do-they-play-in-your-case/): If you cannot work due to an injury, illness, or medical impairment, you may be entitled to long-term disability benefits. Who decides whether or not a person can work? In some cases, a vocational expert will be called upon to provide testimony.
- [It Takes More than a Doctor’s Opinion You are Disabled to Qualify for Long-Term Disability Benefits](https://www.chicagodisabilitylawyers.com/it-takes-more-than-a-doctors-opinion-you-are-disabled-to-qualify-for-long-term-disability-benefits/): Facing difficulty with long-term disability claims? Contact a Chicago long term disability attorney to help navigate your claim and protect your rights.


## City-State

- [Tech Worker Disability Lawyer Evanston](https://www.chicagodisabilitylawyers.com/citystate/tech-worker-disability-lawyer-evanston/): Bartolic Law is an Evanston Tech Worker Disability Lawyer helping professionals challenge long-term disability denials. We build strong appeals for tech workers. Contact us for a consultation.
- [Chicago Tech Worker Disability Attorney](https://www.chicagodisabilitylawyers.com/citystate/chicago-tech-worker-disability-attorney/): Bartolic Law is a Chicago Tech Worker Disability Attorney who helps clients turn long-term disability claim denials into approvals. We understand the demands of tech roles and fight insurer misclassifications. Contact us for a consultation.
- [Skokie Tech Worker Disability Attorney](https://www.chicagodisabilitylawyers.com/citystate/skokie-tech-worker-disability-attorney/): Get help from a Skokie Tech Worker Disability Attorney if your long-term disability claim was denied. Bartolic Law helps tech professionals with ERISA appeals and federal litigation. Contact us for a consultation.
- [Technology Workers Disability Lawyer Glenview](https://www.chicagodisabilitylawyers.com/citystate/technology-workers-disability-lawyer-glenview/): Bartolic Law is your trusted Glenview Technology Workers Disability Lawyer. We help tech professionals appeal denied long-term disability claims. Contact us for a consultation.
- [Orland Park Technology Workers Disability Lawyer](https://www.chicagodisabilitylawyers.com/citystate/orland-park-technology-workers-disability-lawyer/): Cognitive impairments can end tech careers. Work with an Orland Park technology workers disability lawyer who can prove it to insurers. Contact Bartolic Law.
- [Technology Workers Disability Attorney Oak Park](https://www.chicagodisabilitylawyers.com/citystate/technology-workers-disability-attorney-oak-park/): Disability insurers often misread tech jobs. Bartolic Law fights back with precise claims. Speak with our technology workers disability attorney in Oak Park.
- [Disability Insurance Lawyer Skokie](https://www.chicagodisabilitylawyers.com/citystate/disability-insurance-lawyer-skokie/): Need a disability insurance lawyer in Skokie? Bartolic Law helps with disability insurance claims, denials, and ERISA appeals, protecting your right to benefits. Contact us.
- [Oak Park Long Term Care Lawyer](https://www.chicagodisabilitylawyers.com/citystate/oak-park-long-term-care-lawyer/): Need an Oak Park long term care lawyer? Bartolic Law helps secure long-term care and disability insurance benefits after denied claims. Contact us today to learn more.
- [Technology Workers Disability Attorney Evanston](https://www.chicagodisabilitylawyers.com/citystate/technology-workers-disability-attorney-evanston/): Long-term disability attorneys in Evanston assisting tech professionals with denied LTD claims, ERISA appeals, and securing benefits. Contact Bartolic Law today.
- [Glenview Disability Insurance Attorney](https://www.chicagodisabilitylawyers.com/citystate/glenview-disability-insurance-attorney/): Disability insurance attorneys in Glenview assisting with long-term disability claims, ERISA appeals, and denied benefits. Contact Bartolic Law today.
- [Disability Insurance Lawyer Orland Park](https://www.chicagodisabilitylawyers.com/citystate/disability-insurance-lawyer-orland-park/): Contact Bartolic Law, an experienced Orland Park disability insurance lawyer, if your long-term disability claim has been denied. We help clients navigate the appeals process to secure the benefits they deserve.
- [Oak Park Disability Insurance Attorney](https://www.chicagodisabilitylawyers.com/citystate/oak-park-disability-insurance-attorney/): Contact the Oak Park disability insurance attorney at Bartolic Law if your long-term disability claim has been denied. We have a proven track record of turning denials into approvals.
- [Disability Insurance Attorney Evanston](https://www.chicagodisabilitylawyers.com/citystate/disability-insurance-attorney-evanston/): Bartolic Law, your trusted Evanston Disability Insurance Attorney, will help you appeal and secure the benefits you deserve. Contact us today.
- [Chicago Technology Workers Disability Attorney](https://www.chicagodisabilitylawyers.com/citystate/chicago-technology-workers-disability-attorney/): Denied LTD benefits? A Chicago Technology Workers Disability Attorney at Bartolic Law can help. We fight unfair denials for tech professionals. Contact us today.
- [Evanston Tech Worker Disability Attorney](https://www.chicagodisabilitylawyers.com/citystate/evanston-tech-worker-disability-attorney/): Bartolic Law, your Evanston tech worker disability attorney, assists with long term disability claim appeals for tech professionals. Contact us today.
- [Orland Park Technology Workers Disability Attorney](https://www.chicagodisabilitylawyers.com/citystate/orland-park-technology-workers-disability-attorney): As an Orland Park Technology Workers Disability Lawyer, Bartolic Law helps tech professionals fight unfair denials. Contact us for a consultation.
- [Cook County, IL](https://www.chicagodisabilitylawyers.com/citystate/cook-county-il/): Long Term Disability Appeals Attorney Long Term Disability Attorney ERISA Attorney Retirement Benefits Attorney Long Term Disability Lawyer ERISA Lawyer
- [Oak Park Technology Workers Disability Lawyer](https://www.chicagodisabilitylawyers.com/citystate/oak-park-technology-workers-disability-lawyer/): Battling a denied long-term disability claim? The Oak Park Technology Workers Disability Lawyer at Bartolic Law provides legal guidance for tech professionals to secure the benefits they deserve.
- [Technology Workers Disability Attorney Chicago](https://www.chicagodisabilitylawyers.com/citystate/chicago-technology-workers-disability-attorney-2/): Bartolic Law provides legal guidance for Chicago Technology Workers' Disability claims. If your long-term disability benefits have been denied, we fight for the benefits you deserve.
- [Sugar Grove, IL](https://www.chicagodisabilitylawyers.com/citystate/sugar-grove-il/): ERISA Lawyer Long Term Disability Lawyer ERISA Attorneys
- [Gilberts, IL](https://www.chicagodisabilitylawyers.com/citystate/gilberts-il/): Long Term Disability Appeals Attorney ERISA Attorney ERISA Appeals Long Term Disability Lawyers ERISA Lawyers
- [Oak Brook, IL](https://www.chicagodisabilitylawyers.com/citystate/oak-brook-il/): Long Term Disability Lawyer Long Term Disability Attorneys ERISA Attorney ERISA Lawyers
- [Barrington, IL](https://www.chicagodisabilitylawyers.com/citystate/barrington-il/): ERISA Appeals Attorneys Long Term Disability Denial Lawyer ERISA Lawyer Long Term Disability Attorney ERISA Attorneys
- [Highland Park, IL](https://www.chicagodisabilitylawyers.com/citystate/highland-park-il/): ERISA Appeals Long Term Care Lawyers Long Term Disability Lawyers ERISA Lawyers Long Term Disability Attorneys ERISA Attorney
- [Lake Forest, IL](https://www.chicagodisabilitylawyers.com/citystate/lake-forest-il/): ERISA Appeals Attorney Long Term Disability Attorney Long Term Disability Lawyers ERISA Lawyers ERISA Lawyer
- [Winnetka, IL](https://www.chicagodisabilitylawyers.com/citystate/winnetka-il/): Long Term Care Attorneys Long Term Disability Attorneys ERISA Attorneys
- [Hinsdale, IL](https://www.chicagodisabilitylawyers.com/citystate/hinsdale-il/): Long Term Disability Lawyer Long Term Care Attorneys Long Term Disability Lawyers ERISA Attorneys
- [Kenilworth, IL](https://www.chicagodisabilitylawyers.com/citystate/kenilworth-il/): ERISA Litigation Attorney ERISA Attorneys Long Term Disability Attorney Long Term Disability Lawyer ERISA Lawyer
- [Western Springs, IL](https://www.chicagodisabilitylawyers.com/citystate/western-springs-il/): Long Term Disability Lawyer ERISA Lawyer ERISA Attorneys
- [Palatine, IL](https://www.chicagodisabilitylawyers.com/citystate/palatine-il/): ERISA Lawyer Long Term Disability Appeals Attorney Long-Term Disability Lawyer ERISA Attorney
- [Inverness, IL](https://www.chicagodisabilitylawyers.com/citystate/inverness-il/): ERISA Attorneys LTD Benefits Appeal Lawyer Long Term Disability Insurance Lawyers Long Term Disability Lawyer ERISA Lawyer
- [Glencoe, IL](https://www.chicagodisabilitylawyers.com/citystate/glencoe-il/): Long Term Disability Lawyer ERISA Appeals Lawyer ERISA Attorneys
- [Orland Park, IL](https://www.chicagodisabilitylawyers.com/citystate/orland-park-il/): Retirement Plan Benefit Claims Attorney ERISA Lawyer Long Term Disability Appeals Lawyer Long Term Disability Attorney Long Term Disability Lawyer...
- [Glenview, IL](https://www.chicagodisabilitylawyers.com/citystate/glenview-il/): Long Term Disability Appeals Lawyer ERISA Lawyer Retirement Plan Benefit Claims Lawyer ERISA Disability Claims Lawyer Long Term Disability Appeals...
- [Evanston, IL](https://www.chicagodisabilitylawyers.com/citystate/evanston-il/): Retirement Plan Benefit Claims Attorney LTD Appeals Lawyer Long-Term Disability Attorneys ERISA Lawyers Long Term Disability Lawyers ERISA Attorney Retirement...
- [Skokie, IL](https://www.chicagodisabilitylawyers.com/citystate/skokie-il/): ERISA Lawyer Long Term Disability Appeals Lawyer Long-Term Disability Attorney ERISA Appeals Attorney Long-Term Disability Lawyer Long-Term Disability Lawyers Tech...
- [La Grange, IL](https://www.chicagodisabilitylawyers.com/citystate/la-grange-il/): ERISA Disability Claims Lawyer ERISA Attorney Long Term Disability Attorney Retirement Plan Benefit Claims Attorney ERISA Lawyer Long Term Disability...
- [Oak Park, IL](https://www.chicagodisabilitylawyers.com/citystate/oak-park-il/): Long-Term Disability Lawyer Retirement Plan Benefit Claims Attorney ERISA Disability Claims Lawyer ERISA Appeals Lawyer Long Term Disability Attorneys Long...
- [Wicker Park, IL](https://www.chicagodisabilitylawyers.com/citystate/wicker-park-il/): ERISA Lawyer
- [Lincoln Park, IL](https://www.chicagodisabilitylawyers.com/citystate/lincoln-park-il/): Retirement Plan Claims Lawyer
- [Chicago, IL](https://www.chicagodisabilitylawyers.com/citystate/chicago-il/): Long Term Disability Benefits for Engineers Long Term Disability Benefits for Physicians Denied Long Term Disability for Nurses Multiple Sclerosis...
- [Oak Park Retirement Plan Benefit Claims Attorney](https://www.chicagodisabilitylawyers.com/citystate/oak-park-retirement-plan-benefit-claims-attorney/): Denied retirement plan benefits? Bartolic Law, your trusted Oak Park retirement plan benefit claims attorney, helps you appeal denials and secure the benefits you deserve.
- [ERISA Disability Claims Lawyer La Grange](https://www.chicagodisabilitylawyers.com/citystate/erisa-disability-claims-lawyer-la-grange/): The La Grange ERISA disability claims lawyer at Bartolic Law helps overturn denied claims, ensuring you receive the long-term disability benefits you deserve.
- [Orland Park Retirement Plan Benefit Claims Attorney](https://www.chicagodisabilitylawyers.com/citystate/orland-park-retirement-plan-benefit-claims-attorney/): Find an experienced Chicago retirement plan benefits claims attorney. Bartolic Law helps resolve denied claims and disputes, ensuring you secure the benefits you deserve.
- [Glenview ERISA Lawyer](https://www.chicagodisabilitylawyers.com/citystate/glenview-erisa-lawyer/): Denied an ERISA claim? Our Glenview ERISA lawyers at Bartolic Law can help you appeal. Contact us today.
- [ERISA Attorney La Grange](https://www.chicagodisabilitylawyers.com/citystate/erisa-attorney-la-grange/): If you're seeking a La Grange ERISA attorney, Bartolic Law is here to help. We fight denied ERISA claims, ensuring you get the benefits you deserve. Call us today to discuss your case.
- [Glenview Retirement Plan Benefit Claims Lawyer](https://www.chicagodisabilitylawyers.com/citystate/glenview-retirement-plan-benefit-claims-lawyer/): The Glenview retirement plan benefit claims lawyer at Bartolic Law helps resolve benefit disputes, including miscalculations and denials, ensuring you secure the retirement benefits you deserve.
- [Long Term Disability Attorney La Grange](https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-attorney-la-grange/): If you need a La Grange long-term disability attorney, Bartolic Law assists with long term disability appeals and securing your rightful benefits. Contact us today.
- [Chicago ERISA Disability Claims Attorney](https://www.chicagodisabilitylawyers.com/citystate/chicago-erisa-disability-claims-attorney/): Get support from a trusted Chicago ERISA Disability Claims Attorney providing effective legal representation to secure denied benefits. Contact Bartolic Law today.
- [Long Term Disability Appeals Lawyer Orland Park](https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-appeals-lawyer-orland-park/): At Bartolic Law, our Orland Park Long Term Disability Appeals Lawyer will help you secure the benefits you deserve. We deliver reliable guidance, strategic representation, and proven results.
- [Retirement Plan Benefit Claims Attorney La Grange](https://www.chicagodisabilitylawyers.com/citystate/retirement-plan-benefit-claims-attorney-la-grange/): Protect your financial future with Bartolic Law, La Grange's trusted retirement plan benefit claims attorney. Contact us today for legal representation.
- [ERISA Disability Claims Lawyer in Oak Park](https://www.chicagodisabilitylawyers.com/citystate/erisa-disability-claims-lawyer-in-oak-park/): If you need an ERISA disability claims lawyer in Oak Park, Bartolic Law has years of experience helping clients secure disability benefits after a denial. Contact us today.
- [ERISA Lawyer Skokie](https://www.chicagodisabilitylawyers.com/citystate/erisa-lawyer-skokie/): Bartolic Law is your trusted ERISA lawyer in Skokie, offering a proven track record of success, personalized service, and the local advantage to help you navigate ERISA challenges.
- [Orland Park Long Term Disability Attorney](https://www.chicagodisabilitylawyers.com/citystate/orland-park-long-term-disability-attorney/): For a trusted Long Term Disability Attorney in Orland Park, Bartolic Law is dedicated to fighting for your rights and achieving favorable outcomes. Call us to schedule a consultation.
- [Glenview ERISA Disability Claims Lawyer](https://www.chicagodisabilitylawyers.com/citystate/glenview-erisa-disability-claims-lawyer/): Bartolic Law, your Glenview ERISA disability claims lawyer, guides you through complex ERISA claims to protect your rights and help secure the benefits you deserve. Call us today.
- [Skokie Long Term Disability Appeals Lawyer](https://www.chicagodisabilitylawyers.com/citystate/skokie-long-term-disability-appeals-lawyer/): Ensure your long-term disability claim is handled with precision by Bartolic Law, a Skokie long-term disability appeals lawyer helping clients turn denied claims into approved benefits.
- [Oak Park ERISA Appeals Lawyer](https://www.chicagodisabilitylawyers.com/citystate/oak-park-erisa-appeals-lawyer/): Optimize your ERISA appeal with the guidance of an Oak Park ERISA Appeals Lawyer at Bartolic Law. Schedule a consultation today to secure the outcome you deserve.
- [Retirement Plan Benefit Claims Attorney Evanston](https://www.chicagodisabilitylawyers.com/citystate/retirement-plan-benefit-claims-attorney-evanston/): Bartolic Law provides legal representation for those seeking an Evanston retirement plan benefit claims attorney. Contact us for help overcoming denied claims and complex plans.
- [Evanston LTD Appeals Lawyer](https://www.chicagodisabilitylawyers.com/citystate/evanston-ltd-appeals-lawyer/): The Evanston LTD appeals lawyer at Bartolic Law offers committed support to secure the rightful benefits you deserve.
- [Chicago LTD Appeals Lawyer](https://www.chicagodisabilitylawyers.com/citystate/chicago-ltd-appeals-lawyer/): Chicago LTD appeals lawyer Bartolic Law provides legal guidance through the long-term disability appeals process, helping clients turn denied claims into approved benefits.
- [Chicago ERISA Appeals Law Firm](https://www.chicagodisabilitylawyers.com/citystate/chicago-erisa-appeals-law-firm/): Bartolic Law is a trusted Chicago ERISA appeals law firm with a track record of turning long-term disability denials into approvals. Contact us today for a consultation.
- [Glenview Long Term Disability Lawyer](https://www.chicagodisabilitylawyers.com/citystate/glenview-long-term-disability-lawyer/): Secure your long-term disability benefits with a Glenview long-term disability lawyer from Bartolic Law.
- [Long Term Disability Attorneys Oak Park](https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-attorneys-oak-park/): Get effective representation with the Oak Park long term disability attorneys at Bartolic Law. Reach out to us for comprehensive legal services.
- [Orland Park ERISA Lawyer](https://www.chicagodisabilitylawyers.com/citystate/orland-park-erisa-lawyer/): Get the help of a dedicated Orland Park ERISA lawyer at Bartolic Law. Contact us for a consultation and start defending your benefits today.
- [ERISA Attorney Oak Park](https://www.chicagodisabilitylawyers.com/citystate/erisa-attorney-oak-park/): Bartolic Law offers personalized guidance to clients looking for an Oak Park ERISA attorney. Schedule your consultation today to reclaim your benefits and secure your financial future.
- [Evanston ERISA Lawyers](https://www.chicagodisabilitylawyers.com/citystate/evanston-erisa-lawyers/): Our Evanston ERISA lawyers advocate for the injured and help ensure that they receive their long-term disability benefits when the need arises.
- [Evanston Long Term Disability Lawyers](https://www.chicagodisabilitylawyers.com/citystate/evanston-long-term-disability-lawyers-2/): For trusted guidance in filing a disability claim, contact our Evanston long-term disability lawyers.
- [Glenview Long-Term Disability Attorney](https://www.chicagodisabilitylawyers.com/citystate/glenview-long-term-disability-attorney/): Long-term disability claims are complicated. At Bartolic Law, our Glenview long-term disability attorneys are ready to help you understand your rights and secure the benefits you deserve.
- [Skokie ERISA Lawyer](https://www.chicagodisabilitylawyers.com/citystate/skokie-erisa-lawyer/): ERISA is a complex federal law that impacts your rights to employer-provided benefits. When disputes arise, get our Skokie ERISA lawyer on your side.
- [Skokie Long-Term Disability Lawyer](https://www.chicagodisabilitylawyers.com/citystate/skokie-long-term-disability-lawyer/): Our Skokie long-term disability lawyer helps you get the maximum benefits if you are unable to work for a year or longer.
- [Retirement Plan Benefit Claims Attorney Chicago](https://www.chicagodisabilitylawyers.com/citystate/retirement-plan-benefit-claims-attorney-chicago/): To get the amount you are entitled to. Contact our retirement plan benefit claims attorney in Chicago.
- [Long-Term Disability Claims Lawyer Chicago](https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-claims-lawyer-chicago/): To prevent common problems when filing for benefits, contact our long-term disability claims lawyer in Chicago.
- [Evanston Long-Term Disability Lawyers](https://www.chicagodisabilitylawyers.com/citystate/evanston-long-term-disability-lawyers/): Long-term disability insurance supplements lost income if unable to work. Our Evanston long-term disability lawyers help you get the benefits to which you are entitled.
- [Oak Park ERISA Lawyer](https://www.chicagodisabilitylawyers.com/citystate/oak-park-erisa-lawyer/): ERISA can be complicated. You don’t have to navigate a claim or appeal alone. At Bartolic Law, our Oak Park ERISA lawyer is ready to help you find the best solution for your case.
- [Long Term Disability Benefits Lawyer Chicago](https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-benefits-lawyer-chicago/): If you are struggling in your application for long-term disability insurance, a Chicago long-term disability lawyer can guide you through each step and help determine the best path for your case.
- [Long Term Disability Attorney 60614](https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-attorney-60614/): There can be many obstacles when seeking disability benefits if you cannot work. Many claims are denied, and many claimants should seek assistance from a long-term disability attorney in 60614 zipcode.
- [ERISA Lawyer Orland Park](https://www.chicagodisabilitylawyers.com/citystate/erisa-lawyer-orland-park/): Are you someone who is having issues with ERISA? Our attorneys are here to help. Contact our Orland Park ERISA lawyer today!
- [Severance Benefits Attorney Oak Park](https://www.chicagodisabilitylawyers.com/citystate/severance-benefits-attorney-oak-park/): Never sign a severance agreement without first speaking to a lawyer, and also seek legal help if your employer violates a severance agreement. Speak with a benefits attorney in Oak Park today.
- [ERISA Appeals Lawyer Glenview](https://www.chicagodisabilitylawyers.com/citystate/erisa-appeals-lawyer-glenview/): Many employer-sponsored insurance claims are wrongfully denied, and appealing a denial is a complicated matter due to the law. Seek help from an ERISA appeals lawyer in Glenview.
- [Chicago Long Term Disability Appeals Lawyer](https://www.chicagodisabilitylawyers.com/citystate/chicago-long-term-disability-appeals-lawyer/): A disability denial can be devastating, but it is not the final say in whether or not you can receive the benefits you need. Always contact a Chicago long-term disability appeals lawyer for help.
- [Evanston Retirement Plan Claims Attorney](https://www.chicagodisabilitylawyers.com/citystate/evanston-retirement-plan-claims-attorney/): There are many reasons why you might need to file an ERISA claim regarding your retirement benefits. If you have concerns, speak with an Evanston retirement plan claims lawyer today.
- [Skokie ERISA Appeals Attorney](https://www.chicagodisabilitylawyers.com/citystate/skokie-erisa-appeals-attorney/): Did you receive a denial of employer-sponsored insurance or retirement benefits? If so, you might need to file an ERISA appeal, and you should first contact a Skokie ERISA appeals attorney.
- [ERISA Appeals Attorney Glenview ](https://www.chicagodisabilitylawyers.com/citystate/erisa-appeals-attorney-glenview/): Many people expect to receive insurance benefits but instead receive a complete denial of their claims. If this happens to you, learn more about how an ERISA appeals attorney in Glenview can help.
- [Long-Term Disability Lawyer near Chicago](https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-lawyer-near-chicago/): Getting the benefits you deserve from your disability insurer can be a difficult process. To protect your interests, you always want to discuss your claim with a long-term disability lawyer near Chicago.
- [Chicago Severance Benefits Attorney](https://www.chicagodisabilitylawyers.com/citystate/chicago-severance-benefits-attorney/): Signing a severance agreement can have many effects on your future, so you should never sign anything without first consulting with a skilled Chicago severance benefits attorney.
- [Denied Disability Claims for Cancer in Chicago](https://www.chicagodisabilitylawyers.com/citystate/denied-disability-claims-for-cancer-in-chicago/): Too many people deal with a devastating diagnosis and then also face denied disability claims for cancer in Chicago. When you cannot work due to cancer, seek help from a disability claims attorney.
- [Chicago Disability Insurance Attorney](https://www.chicagodisabilitylawyers.com/citystate/chicago-disability-insurance-attorney/): There are many things that can go wrong during the disability insurance claims process. You want to get benefits as soon as possible, so never hesitate to call a Chicago disability insurance attorney.
- [Disability Insurance Lawyers Chicago](https://www.chicagodisabilitylawyers.com/citystate/disability-insurance-lawyers-chicago/): ERISA-based disability insurance claims can be more complicated than you might expect. There are many reasons for denial, so seek help from disability insurance lawyers in Chicago.
- [Long Term Disability Claims for Congestive Heart Failure in Chicago](https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-claims-for-congestive-heart-failure-in-chicago/): If you received a congestive heart failure diagnosis and cannot work, you want the right disability lawyer to handle your long term disability claim for congestive heart failure in Chicago.
- [Long Term Disability Claims for COPD in Chicago](https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-claims-for-copd-in-chicago/): FIling a long-term disability claim for COPD in Chicago can be a challenging matter. While you focus on your health and treatment, let a disability attorney handle the claim process for you.
- [Long Term Disability Benefits for Pharmacists in Chicago](https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-benefits-for-pharmacists-in-chicago/): Pharmacists spend a lot of resources building their careers. If a medical issue prevent you from working, you should discuss long-term disability benefits for pharmacists in Chicago.
- [Long Term Disability Benefits for Lawyers in Chicago](https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-benefits-for-lawyers-in-chicago/): Many medical conditions can prevent attorneys from performing their jobs, and they need financial support. Speak with a disability lawyer about long-term disability benefits for lawyers in Chicago.
- [Denied Long Term Disability for Tech Workers in Chicago](https://www.chicagodisabilitylawyers.com/citystate/denied-long-term-disability-for-tech-workers-in-chicago/): Being denied long-term disability for tech workers in Chicago can be devastating and stressful, as you have important benefits on the line. Speak with a disability attorney who can help.
- [Denied Long Term Disability for Teachers in Chicago](https://www.chicagodisabilitylawyers.com/citystate/denied-long-term-disability-for-teachers-in-chicago/): Insurance companies can be challenging when it comes to receiving disability benefits. Speak with a disability attorney about a denied long-term disability for teachers in Chicago right away.
- [Rheumatoid Arthritis Long Term Disability Claims in Chicago](https://www.chicagodisabilitylawyers.com/citystate/rheumatoid-arthritis-long-term-disability-claims-in-chicago/): If you cannot work due to a diagnosis of rheumatoid arthritis, you should consult with a disability attorney about filing a successful rheumatoid arthritis long-term disability claims in Chicago.
- [Multiple Sclerosis Long Term Disability Claims in Chicago](https://www.chicagodisabilitylawyers.com/citystate/multiple-sclerosis-long-term-disability-claims-in-chicago/): Multiple sclerosis long-term disability claims in Chicago can be an uphill battle, and this is while you are already dealing with a devastating diagnosis. Contact a disability attorney for help.
- [Denied Long Term Disability for Nurses in Chicago](https://www.chicagodisabilitylawyers.com/citystate/denied-long-term-disability-for-nurses-in-chicago/): Some nurses have disability claims denied even though they have valid medical conditions that prevent them from working. Seek help from Chicago long-term disability claims lawyers.
- [Long Term Disability Benefits for Physicians in Chicago](https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-benefits-for-physicians-in-chicago/): Many medical conditions can derail your career as a physician. After your hard work, you deserve proper disability benefits, and a Chicago long-term disability claims lawyer can help.
- [Long Term Disability Benefits for Engineers in Chicago](https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-benefits-for-engineers-in-chicago/): Many types of mental or physical conditions can have disabling effects that interfere with an engineering career. Learn how a Chicago long-term disability claims lawyer can help you.
- [Denied Long Term Disability for Accountants in Chicago](https://www.chicagodisabilitylawyers.com/citystate/denied-long-term-disability-for-accountants-in-chicago/): Many disabilities can derail a career as an accountant, and it is critical to receive the disability benefits that you deserve. Speak with a Chicago long-term disability claims lawyer today.
- [Long Term Disability Benefits for Fibromyalgia in Chicago](https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-benefits-for-fibromyalgia-in-chicago/): For many people, fibromyalgia prevents them from working as they usually did. If you need to file a claim for disability insurance benefits, call a Chicago long-term disability claims attorney.

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> Bartolic Law is here to answer your long term disability and ERISA questions. As a trusted Chicago long-term disability attorney, we will advocate on your behalf and secure the financial support you need during this difficult time.

- Published: 2025-10-05
- Modified: 2026-06-23
- URL: https://www.chicagodisabilitylawyers.com/faqs/

Frequently Asked Questions Long-term disability claims and appeals, and ERISA litigation can be challenging. Bartolic Law is here to provide clear answers to the most commonly asked questions to help you better understand your rights, the claims process, and how to address denials effectively. What is long-term disability insurance? Long-term disability insurance provides financial support if you are unable to work due to a disabling illness or injury. It typically replaces a percentage of your regular income, usually between 50% and 70%, depending on your policy. How do I know if I have long-term disability coverage? LTD coverage is often offered as part of an employee benefits package through your employer. You can also purchase a private policy directly from an insurance provider. Review your benefits booklet or reach out to your HR department to confirm coverage. What are common reasons for LTD claim denials? Insurance companies deny claims for many reasons, including: Lack of sufficient medical evidence Claiming a pre-existing condition exclusion Missing deadlines Stating your condition doesn’t meet the policy’s definition of disability Surveillance suggesting you are not disabled If your claim is denied, it’s important to review the denial letter carefully and begin the appeals process immediately. What should I do if my LTD claim is denied? If your claim is denied, follow these steps: Carefully examine the denial letter to identify the specific reasons behind the decision. Gather additional medical evidence or documentation. File your appeal within the specified deadline (usually 180 days under ERISA plans)....


> Dedicated Chicago long term disability lawyer helping clients secure LTD benefits, appeal denials, and navigate complex insurance claims for the support they deserve.

- Published: 2025-09-18
- Modified: 2025-12-11
- URL: https://www.chicagodisabilitylawyers.com/service-areas/

Areas We Serve Bartolic Law Proudly Represents Clients Across Illinois Cook County Chicago Lincoln Park Wicker Park Oak Park La Grange Skokie Evanston Glenview Orland Park Glencoe Inverness Palatine Western Springs Kenilworth Hinsdale Winnetka DuPage County Oak Brook Kane County Gilberts Sugar Grove Lake County Lake Forest Highland Park Barrington Get Help Now


> As a job requiring precision and dexterity, neurologists may be unable to work if a disability affects their skills. Call a Chicago long term disability attorney at Bartolic Law today.

- Published: 2021-06-23
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/neurologists/

NEUROLOGY SPECIALISTS Neurologists use the knowledge gained from years of experience to diagnose and treat neurological conditions. TIME COMMITMENT Professionals in the field invest much of their time and money into the work, making it imperative that you protect your income in the case of a disability. SEEK GUIDANCE If your benefits were denied, protect your rightful compensation with the help of an attorney. Success With Disability Claims for Neurologists Like all physicians and surgeons, neurologists perform very important public health services for our society, treating disorders of the brain and nervous system at large. It is a high risk but high reward profession, particularly for neurosurgeons who can’t afford to make a single mistake. According to the Bureau of Labor Statistics, neurologists have a $208,000 median salary (or $100 per hour). Usually, the position requires 8 years of specialized education and typically an additional 3-9 years of internships and residencies. Neurologists invest considerable time, money, and energy into getting to the position they’re currently in. If you’re a neurologist, you likely have to. So if an illness or injury prevents you from doing your job, you won’t want to let all of those hard-earned investments slip away. Furthermore, you won’t want to let your disability investments slip away while you’re out of work. You may have to wait to return to work, but most of your daily, weekly, monthly, and annual expenditures won’t wait. Probably, you’ll have to worry about covering taxes, rent or mortgage payments, loans and other...


> Being disabled as an executive assistant can create uncertainty. If sitting or completing tasks is impossible, a Chicago ERISA attorney may be able to help. Call us today.

- Published: 2021-06-23
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/executive-assistants/

PRESTIGIOUS POSITION Executive assistants are in charge of a number of important operations in a business setting. There is a high amount of pressure for these individuals to perform well. COMPLICATED WORK A typical workday for an executive assistant involves a combination of sedentary tasks and potentially stressful interactions with their assistants. WORKPLACE CHALLENGES If you are an executive assistant and you’ve recently developed a disability, it may be possible to get insurance benefits. Success With Disability Claims for Executive Assistants Bartolic Law helps Executive Assistants secure their long-term disability insurance rights, whether through guidance in making the claim, appealing an insurer’s denial, or even litigating the denial. In one case, the client contacted us after having a claim denied based on the client’s Complex Regional Pain Syndrome, causing pain in the client’s extremities. The insurer’s medical director contended the client had no time for concurrent testing to substantiate the symptoms. We demonstrated the client had multiple sets of imaging and manual muscle testing pre-dating the medical director’s review, deflating the medical director’s opinion’s reliability. We also used a functional capacity evaluation to objectively demonstrate the extent to which the client’s pain caused limitations. In the end, we recovered for the client. Many people start as administrative assistants, and when their high-quality work is noticed and appreciated by executives, they might get promoted to the position of executive assistant. While this can be a lucrative position, it can also be a demanding one. Executives often make many immediate and complicated...


> Meniere’s Disease is a debilitating condition that causes sudden, severe vertigo, making driving and work a challenge. An Evanston ERISA lawyer can help you pursue benefits if you’re unable to continue working.

- Published: 2021-06-23
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/menieres-disease/

DEBILITATING DIZZINESS The hallmark symptom of Meniere’s Disease is severe dizziness or vertigo, which can immobilize the affected individual. COMPLICATIONS A person with Meniere’s Disease often experiences hearing loss and is at a high risk of falls, which can lead to injury. DISABILITY COVERAGE Since this condition can make work difficult or even impossible, it may be possible to receive disability coverage alongside an attorney. Success With Meniere's Disease Disability Claims Bartolic Law has helped many clients suffering from Meniere’s Disease and related vertiginous disorders get long-term disability benefits paid. Chicagoans are fortunate enough to have access to some of the best treating physicians for vertiginous disorders in the country. In one client’s vertiginous disorder case, an insurer denied the claim for lacking any objective evidence of symptoms and limitations. It characterized all the symptoms and limitations as self-reported and self-limiting. We referred the client to a world-class otoneurologist focusing on vertiginous disorders. The otoneurologist performed various tests showing objective signs of the symptoms, including a computerized dynamic posturography (CDP) and a vestibular evoked myogenic potentials (VEMP) test. We were then able to combine this objective evidence with live video footage of the client trying to perform certain tasks, and it showing the dizziness. Combining medical evidence with real life footage, we were able to get the client’s claim paid. The National Institute on Deafness and Other Communication Disorders (NIDCD) estimates that 615,000 Americans suffer from Meniere’s disease. This hearing condition affects people of all ages, although it appears at...


> If a mental or physical disability prevents you from working as a psychiatrist, file a disability insurance claim. Contact a Chicago disability benefits attorney today.

- Published: 2021-06-23
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/psychiatrists/

MEDICAL PROFESSIONALS Psychiatrists bridge the gap between mental health and the medical sciences. Psychiatrists are licensed medical doctors who have specialized in the mental and emotional health of their patients. STRESSFUL OCCUPATION The job can be stressful. When a psychiatrist brings a disability claim, it is often due to the stress inherent in the job DISABILITY CLAIMS Unfortunately, many insurance adjusters fail to understand the toll that stress can take. A psychiatrist should work with an experienced disability attorney during the claims process. Success With Disability Claims for Psychiatrists Typically, psychiatrists see clients in an office setting and provide what is commonly referred to as “talk therapy. ” They prescribe medications aimed at helping their clients move toward good mental and emotional health. While some psychiatrists specialize in particular disorders, many psychiatrists see clients with varying disorders. Providing a safe space to discuss the client’s needs and issues may include providing the client with empathy as the client delves into emotionally painful areas of their life. A psychiatrist often works alone with the client. This isolation can add significant stress over time. And all too often, a psychiatrist will be overworked. Seeing too many clients regularly does not allow time to rest and recuperate, leading to stress, distress, and impairment. In addition to sitting with clients, a psychiatrist keeps notes on the client’s condition, prescribes medications, and consults with peers. Much of the work done by a psychiatrist is done sitting down for long periods daily. Most often, the primary...


> When a podiatrist suffers a disability, it can prevent them from working indefinitely. For help with a disability insurance claim, call a Chicago disability benefits attorney today.

- Published: 2021-06-23
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/podiatrists/

HEALTH SPECIALISTS Podiatrists are medical professionals who specialize in the care of feet and other lower limb issues. They are doctors of podiatric medicine (DPM) instead of medical doctors (MD). INSURANCE PLANS Podiatrists buy disability insurance to protect their income if they become disabled. This can protect their financial well-being if they become disabled and unable to perform their duties. LAWYER’S ASSISTANCE If you have become disabled and are in the process of filing or appealing a disability claim with your insurance company in the Chicago area, you may need the help of an experienced disability attorney. Success With Disability Claims for Podiatrists Podiatrists specialize in the care of feet and lower limbs. Their education is highly specialized, as after college, they attend a podiatry school rather than medical school. They are required to do a 3-year residency after podiatry school. It is a surprisingly physical profession. Podiatrists see multiple patients daily. They conduct examinations, order tests, and perform surgeries. They treat fractures, sprains, hammertoes, bunions, arthritis, and other conditions affecting the feet, ankles, and such. Podiatrists spend a great deal of their day standing, walking, and crouching down to examine and work with a patient’s feet. They often work at a patient’s feet, craning their head up to talk to the patient from that position. Surgery requires a great deal of standing, lifting of limbs, and craning of the neck. In particular, podiatrists are often susceptible to musculoskeletal injuries and disorders due to their work. This often involves injuries...


> If you have lymphoma, you’re likely feeling apprehensive abut your future, especially regarding your ability to work. A Chicago retirement benefits lawyer can help you understand your situation. Contact Bartolic Law today.

- Published: 2021-06-23
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/lymphoma/

SERIOUS ILLNESS Lymphoma is a serious form of cancer affecting the white blood cells that often requires treatment. POSSIBLE COMPLICATIONS If lymphoma needs to be treated, the patient may experience stroke or lung damage due to the radiation used to kill cancer cells. EMPLOYEE CHALLENGES Since treatment and symptoms can impair the person affected, it may be necessary to utilize disability benefits. Success With Lymphoma Disability Claims Bartolic Law can help you secure your long-term disability insurance benefits while you battle lymphoma. In one case, we helped a client make the claim where the insurer expressed doubt as to the duration of the claim. We helped the client avoid a benefit termination by showing that the lymphoma’s treatment was so aggressive, it caused lasting nerve damage. Though the client successfully beat the lymphoma, the degree of treatment necessary to do so caused the client to have residual limitations. Insurers rarely understand why one would be disabled after successfully treating the initially disabling illness, and our role was to help the insurer understand that for our client. Thanks to much hard work, we have been able to keep the client’s benefits in pay status. Lymphoma is cancer that starts in your white blood cells that empower our bodies’ immune systems. These cells live in the lymph nodes, bone marrow, and spleen. This cancer changes the lymphocytes, making them grow uncontrollably. A patient might show different signs that include painless swollen glands, coughing, shortness of breath, night sweats, exhaustion, weight loss, and...


> Many people who work as physician assistants might struggle to perform their jobs due to developing physical or mental disabilities. Call a Chicago disability benefits attorney today.

- Published: 2021-06-23
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/physician-assistants/

ESSENTIAL WORK Physician assistants are in demand in medical offices, clinics, and hospital settings, performing many of the duties that a doctor might, all under a licensed physician’s supervision. DISABILITY INSURANCE An assistant may make more than $100,000 annually. When a disability strikes, it is difficult to make up that type of salary. Disability insurance can protect that income. PHYSICAL STRAIN The work can involve long hours of standing and standing. The work is physically, mentally, and emotionally taxing. Success With Disability Claims for Physician Assistants A physician assistant performs many of the same duties that a physician does: meeting with patients, reviewing medical records, conducting examinations, performing bedside procedures, giving immunizations, ordering tests, and developing suggested treatment plans for the physician to review. A physician assistant may perform surgery or assist in surgery under a doctor’s supervision. These tasks may require standing, walking, bending, lifting, craning the head, crouching, sitting, and speaking. The profession requires that a physician assistant be able to make decisions that affect another person’s life. It requires a clear head, the ability to make good decisions under pressure, and to do whatever is necessary to render the care the patient needs. The amount of physical work that a physician assistant may do is linked to their specialty. A physician assistant who works in surgery may stand for long hours and may work with heavy equipment. A physician assistant who works in pediatrics may be seated more of the time, give immunizations, but may also have...


> Individuals with Lyme Disease often experience debilitating fatigue, causing them to take long breaks from work. An Oak Park ERISA attorney can help ensure you receive the benefits you’re entitled to. Call us today.

- Published: 2021-06-23
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/lyme-disease/

COMMON INFECTION Lyme disease is a common condition that causes fever, headaches, fatigue, and other symptoms after being bit by a tick carrying the disease. COMPLICATIONS While Lyme disease is treatable, some individuals go on to develop neurological problems and inflammation. CAREER CHALLENGES If cognitive and neurological complications are severe, an individual may be unable to complete job-related duties. Success With Benefits Claims for Individuals With Lyme Disease Bartolic Law has helped clients suffering from Lyme disease succeed with their long-term disability claims. Insurers are often hostile towards claims based on Lyme disease, especially when treated for longer than 30 days. In one client’s case, we demonstrated that health and disability insurers lobby to set the treatment standards for Lyme disease, which produce false-negative tests approximately two-thirds of the time. They then use those same standards to deny long-term disability claims. We demonstrated that many states have passed legislation addressing this position on treating Lyme disease, and the high rate of false-negative diagnoses. Despite terminating our client’s claim, we were ultimately able to get the client paid. Many states have enacted legislation addressing overly narrow diagnostic and treatment criteria for Lyme disease and state medical boards disciplining doctors for their treatment of Lyme disease. Illinois enacted legislation acknowledging that the CDC reports approximately 30,000 Lyme disease cases per year, but the actual number is as high as 300,000 per year. The State of Connecticut Attorney General’s Office conducted an investigation and concluded that the Infectious Disease Society of America guidelines...


> There are many medical conditions that can cause career-ending disabilities for pain management physicians. Discuss your claim with a Chicago disability benefits attorney.

- Published: 2021-06-23
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/pain-management-physicians/

PHYSICAL WORK The job may include bending, crouching, and manipulating limbs to note difficulty and pain in movement. Over time, these cumulative movements can cause chronic conditions. DISABILITY PLAN Many disability plans for physicians protect the physician's income if they are unable to work in their specialty. These plans are often called “own occupation” plans. LEGAL GUIDANCE If you have suffered a disability that prevents you from engaging in your duties, you may need the help of an attorney who regularly handles disability claims for medical professionals. Success With Disability Claims for Pain Management Physicians Pain management physicians are board licensed doctors who have a substantial amount of training in pain management for patients. They review patient medical records, review x-ray and other diagnostic imaging results, interview patients, and work physically with patients. Sometimes, the work is diagnostic, and other times, it is aimed at developing treatment plans. Much of the time, these doctors work directly with patients who experience chronic pain. A pain management physician may need to work with a patient physically to determine the cause of a patient’s pain. These doctors often have long days and see and work with many patients every day. When an injury occurs, it can be a back or neck injury from repeated joint stress or movement. This can mean a herniated disc in the back or neck. It can mean other joint damage. Entering patient notes either in hard copy form or on a computer can cause repetitive stress. Over time,...


> Many disabilities can prevent an otolaryngologist from performing their job, so securing financial stability is essential. Discuss a claim with a Chicago disability benefits attorney.

- Published: 2021-06-23
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/otolaryngologists/

HEALTH PROFESSIONALS An otolaryngologist is most commonly known as an ear, nose, and throat specialist. These medical providers are responsible for treating various diseases that affect a person’s neck or head. INTRICATE WORK DUTIES These doctors are responsible for performing intricate surgical procedures. They must be able to stand up and concentrate for long periods of time. INABILITY TO WORK In some cases, a long-term physical limitation or disability prevents an otolaryngologist from being able to perform his or her job duties, so his or her private disability policy of insurance comes into play. Success With Disability Claims for Otolaryngologists For an otolaryngologist or other medical doctor who is on his or her feet for long periods of time, it is extremely important to have a private long-term disability policy of insurance in place. This is so that in the event you suffer an injury or illness that prevents you from working, you can still recover a portion of your income. Even though you might be eligible to recover Social Security disability benefits, it can be difficult to convince the Social Security Administration that you are truly disabled. If that is the case, your private disability insurance policy could come into play and provide you with the compensation that you need. Although denials are not as common with private disability policies as they are with Social Security disability benefits, these denials can still happen. Chicago disability benefits attorney Michael Bartolic can help you pursue the long-term disability benefits to which...


> A dental assistant’s work involves dexterity and endurance. If a disability is preventing you from accomplishing work, a Chicago compensation lawyer may be able to help. Call today.

- Published: 2021-06-23
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/dental-assistants/

IMPORTANT PROFESSION Dental assistants lend important helping hands in the world of dentistry and orthodontics. SKILLED HANDIWORK Dentistry is a difficult, rather physically demanding profession that requires years of education and delicate, careful handiwork. INSURANCE BENEFITS Find out how disability insurance benefits can help with that, and find out what you should do to reap the most benefits possible. Success With Disability Claims for Dental Assistants One can only imagine how much more difficult it would be without the vital support of dental hygienists and assistants. They assist in X-ray imagery, advising and educating patients, and aiding in a variety of different dental procedures. What if an illness or injury sidelines your work as a dental assistant? What can you do to protect your income, your dignity, and livelihood while you’re out? There are a few key things you should watch out for when seeking disability insurance benefits as a dental assistant, including time, accessibility, definitions in the policy, and income protection. It’s important to read over the fine print for answers carefully. If you’re still feeling confused or doubtful about any of the above questions, then you may want to raise them to your employer, insurance agent, or insurance provider directly. If that fails, and your plan to adequately support you, then you should consider raising those questions to an experienced ERISA litigation attorney. When filing a disability insurance claim as a dental assistant, you should build a comprehensive, detailed claim packet to substantiate your case. This packet should...


> If your career as a nurse-midwife has been derailed because of a disabling medical condition, talk to a Chicago disability benefits attorney about a disability insurance claim.

- Published: 2021-06-23
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/nurse-midwives/

IMPORTANT PROFESSION The primary function of a nurse-midwife is to assist with delivering a baby. The majority of both C-sections and vaginal births that occur in the US are performed by certified nurse-midwives. INTENSIVE WORK Since a nurse-midwife is present at a baby’s birth, the midwife must be constantly alert and on her feet for a significant period of time. WORKPLACE CHALLENGES The job can be extremely difficult if the nurse-midwife is suffering from a serious injury or illness that prevents her from being able to complete her duties effectively. Success With Disability Claims for Nurse-Midwives Nurse-midwives do not simply assist women at the time of childbirth. Rather, they also diagnose and treat various prenatal medical conditions, conduct exams, and in some circumstances, might write out a prescription. Nurse-midwives also counsel and advise expectant mothers. They will work to monitor the health and welfare of both the mother and her child before the birth. Due to the physical constraints and limitations of working as a nurse-midwife, it is a good idea to have a private disability insurance policy in place if you are doing this work. This is because Social Security disability benefits can sometimes be difficult to obtain. In addition, it can be difficult to prove to the Social Security Administration that you are suffering from a disability, and denials are extremely common. If you have a policy of private disability insurance in place, this policy can step in to provide some income replacement in the event you suffer...


> Civil engineers work long hours and perform heavy physical and mental labor. If you have a disability or illness, speak with an Orland Park ERISA lawyer about possible benefits.

- Published: 2021-06-23
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/civil-engineers/

PHYSICAL WORK Civil engineers play an important role in building, maintaining, and operating our infrastructure. They perform some highly taxing, demanding, and extremely hands-on work. POSSIBLE RISKS There are considerable risks for employees. Although most disabilities stem from illness (90%, according to the Council For Disability Awareness), blue-collar laborers face more risk of physical injury. OBTAIN COMPENSATION If you sustained a serious injury that put you out of work, find out how you can brace for that impact with disability insurance benefits. Success With Disability Claims For Civil Engineers If you’ve been injured as a result of your work, whether in the short term or the long term, you may be overwhelmed as you contemplate how to move forward. You may be wondering how to even just stay afloat through one of the most difficult curveballs that life can throw at you. You’ll want to seek prompt help and prompt disability benefits to make up for the loss in income. Ideally, those benefits should be equivalent to 60-80% of your pretax income, or what would’ve been your take-home pay if you were able to continue working. Even if an injury didn’t cause your affliction, you may still want to consider claiming disability benefits. Even though they aren’t quite as physically apparent to the naked eye, mental health issues, fatigue, and eye strain can all detrimentally impact your job performance. Most plans will consider those detriments to be valid qualifications for disability benefits. Ideally, your plan’s benefit period should cover the...


> Anxiety is often an impairing condition that can make work and daily tasks difficult. If anxiety prevents you from doing your job, a Chicago ERISA lawyer may be able to help.

- Published: 2021-06-23
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/anxiety/

MENTAL HEALTH CHALLENGES Anxiety is a common mental health disorder that causes a range of mental and physical symptoms, including irrational fear, nervousness, mood changes, trembling, trouble sleeping, and more. WORKPLACE COMPLICATIONS Many people with anxiety disorders have trouble completing work due to poor concentration due to constant worrying and other symptoms. SEEKING COMPENSATION Mental health conditions are often ignored in the workplace, but if an individual has significant problems finishing work-related duties, it’s possible to recover compensation. Success With Disability Claims for Individuals With Anxiety Disorders Bartolic Law helps clients suffering from anxiety get their long-term disability benefits paid. In one case, we helped a client whose claim was denied as a pre-existing condition, and on the basis of not being disabled, due to prior treatment for Attention Deficit Disorder, and its relation to the anxiety diagnosis. We had to first establish the claim was not based on a pre-existing condition, carefully examining the treatment history and distinguishing between treatments for different conditions. We next established our client was disabled based on the anxiety alone, without the contribution of the Attention Deficit Disorder, as the policy excluded disabilities caused by, or contributed to by, any pre-existing condition. By being surgical and measured, and carefully distinguishing the symptoms and treatment of each condition from the other, we were able to get the client paid benefits in full. Everyone experiences anxiety from time to time, but for some people, anxiety might cause regular and major disruptions in their lives. If you...


> It's never easy to process an Alzheimer's diagnosis, especially for younger adults with years of work ahead before retirement. A Chicago ERISA lawyer can help you seek support.

- Published: 2021-06-23
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/early-onset-alzheimers-disease/

DISABLING CONDITION An Early Onset Alzheimer's diagnosis is never easy, as this disease leads to severe memory loss and issues functioning as the disease progresses. HEALTH IMPACTS Individuals who have Early Onset Alzheimer’s Disease have a higher correlation with experiencing seizures, which can be mistakenly believed to be epilepsy. JOB INSECURITY Many individuals who are diagnosed realize they will not be able to continue working for long, making disability benefits essential. Success with Long-Term Disability Claims Involving Early Onset Alzheimer’s Disease Bartolic Law has multiple clients who experienced Early Onset Alzheimer’s Disease get long-term disability benefits paid. While we wish nobody suffered from this disease, we are proud to have helped the clients and families enduring this struggle. In one client’s case, the client’s symptoms began to manifest after several seizures, which delayed the diagnosis of Early Onset Alzheimer’s Disease. The insurer helped the client obtain Social Security Disability benefits due to the Alzheimer’s Disease, but subsequently contended the disability was caused by depression, applying a 24-month limitation on benefits. We provided the insurer with literature on the diagnostic protocol for Early Onset Alzheimer’s Disease, and documented the few methods available to distinguish cognitive limitations caused by Alzheimer’s from those caused by depression. We also used video statements from the client and the client’s family members detailing their observations. In the end, we were able to turn the denial into payment for our client, helping the whole family move forward. In another case, a client became unable to work in...


> If you or a loved one was diagnosed with Parkinson’s Disease, you likely have many questions regarding work eligibility. A Chicago compensation lawyer can help you secure needed benefits.

- Published: 2021-06-23
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/disability-insurance-claims-for-parkinsons-disease/

PROGRESSIVE DISEASE One devastating diagnosis for anyone is Parkinson’s disease, a progressive brain disorder that can cause many symptoms and challenges for sufferers. AGE OF DIAGNOSIS While Parkinson’s diagnoses are more common among adults around 60 years old, some people experience early-onset Parkinson’s in their 30s or 40s. HEALTH RISKS People with Parkinson’s have an increased risk of falling and injuries. Even with medications and therapies, Parkinson’s disease can hinder a victim’s ability to move and conduct everyday activities. Success with Parkinson’s Disease Long-Term Disability Claims Bartolic Law has helped numerous clients suffering from Parkinson’s disease get their long-term disability insurance benefits paid. In one client’s case, the insurer terminated benefits after medication stabilized the client’s symptoms. But the condition did not improve. The client’s Parkinson’s disease was advanced enough the client struggled to fasten buttons and put shirts on without any help. The client’s job required handling stock. Using video evidence of the client’s symptoms and attempts to perform regular daily activities persuaded the insurer the client could not perform the material handling aspects of the client’s job. In another client’s case, we helped the client make the long-term disability claim after the client’s Parkinson’s disease symptoms progressed to the point of preventing the client from performing CAD work any longer. Working with the employer and the client’s doctors, we were able to get the claim immediately paid. On behalf of a Network Engineer, after an insurer terminated disability benefits, we performed the appeal and demonstrated the client’s occupation...


> ALS is a serious condition causing severe weakness and motor issues that worsen over time. If diagnosed, you may feel unsure about work. Talk to a Chicago ERISA attorney about compensation.

- Published: 2021-06-23
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/als-lou-gehrigs-disease/

DEBILITATING CONDITION ALS is a progressive neurodegenerative and neuromuscular disease that causes victims to increasingly lose control over voluntary muscular and motor functioning. LONG TERM COMPLICATIONS Over time, those with ALS will lose their ability to move, speak, eat, or even breathe. This often results in early death from respiratory complications, though victims go through a traumatizing process of losing their abilities first. DISABILITY CLAIMS Despite the severity of complications, some individuals do not receive the disability benefits they need if they are unable to work. Success with Long-Term Disability Claims Involving ALS Bartolic Law helps clients suffering from ALS get their long-term disability claims approved and paid. A frequent issue arising in ALS claims is whether it is a pre-existing condition. Often there are some symptoms that, in hindsight, may have been manifestations, though patients and doctors do not always suspect ALS as the cause, especially when there are other illnesses or injuries. In one case, our client submitted a claim for long-term disability due to ALS after receiving the diagnosis. The client earlier treated for symptoms, with both the client and doctors believing leg numbness to be caused by a decade-old back injury. After progression of symptoms, doctors began to suspect the presence of ALS and performed workup for that diagnosis, ultimately confirming it. Because the insurer had little basis to deny the client was disabled, it denied the claim on the basis of a pre-existing condition exclusion, trying to avoid the maximum policy benefit payment for years...


> If you’ve developed vision loss due to a health condition, you may no longer be able to continue with your current career. A Chicago long term disability attorney can help you explore ways to fight a rejected disability claim.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/vision-loss/

DIFFICULTY SEEING From glaucoma to cataracts, there are many causes of vision loss. About 12 million adults over 40 have a vision-related disability. VISUAL IMPAIRMENT Vision loss may cause difficulties with balance and functioning. It’s common to experience emotional challenges as well. DISABILITY BENEFITS Since vision loss can cause severe impairment, it may be necessary to file a disability claim to obtain support if you cannot work. Success With Disability Claims for Vision Loss Vision loss is a widespread problem among working-age individuals, and the Centers for Disease Control and Prevention (CDC) reports that vision difficulties are among the top ten disabilities among adults. This issue is also prevalent among American children. Additionally, the CDC estimates reveal that 12 million Americans aged 40 and above suffer from some form of visual disability. These figures include more than 1 million legally blind persons. Factors like cataracts, eye trauma, glaucoma, detached retinas, inflamed optic nerves, and damaged retinas cause vision loss. Different medical remedies treat vision loss. These treatment options differ, depending on the visual loss’s type and cause. An eye specialist treats the core disease causing the visual impairment and manages the patient’s symptoms by prescribing optical aids. Physical therapy assists a patient in balancing themselves and walking safely. Therapy can also teach patients how to utilize walking canes for those who need them. An occupational therapist helps patients with normal daily tasks and teaches them to utilize optical aids. Furthermore, a therapist may assist patients in coping with their vision...


> It’s common to experience lingering health issues following a traumatic brain injury, and some symptoms may interfere with your physical capabilities. An Evanston ERISA lawyer can help you seek compensation.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/traumatic-brain-injury/

TRAUMATIC INJURY TBI refers to an injury that disrupts the brain’s ability to function as usual, which is typically caused by physical trauma. CLINICAL SYMPTOMS TBI can cause a number of neurological symptoms, including vision loss, weakness, memory loss, amnesia and unconsciousness. WORK PERFORMANCE TBI often affects one’s ability to work due to compromised physical and mental capabilities, so disability benefits may be necessary. Success With Disability Claims For Traumatic Brain Injury Traumatic brain injury (TBI) involves a disruption in the brain’s normal functioning due to head trauma, violent shaking of the head, or oxygen deprivation. It’s estimated that 2. 87 million Americans suffered from TBI in a recent year, and 837,000 injuries affected children. Additionally, 13. 5 million Americans live with disabilities caused by TBI. Anyone can suffer from TBI. Some of the leading causes include falls, sports injuries, bullet wounds, physical assault, car accidents, infections and much more. TBI patients can manifest different clinical signs, such as decreased consciousness, forgetting what happened and other memory loss or amnesia, vision loss and blurring, acute muscle weakness, inability to focus, confusion and more. Some individuals develop impaired speech and reading ability, as well as paralysis or coma. Fortunately, medical professionals can offer various treatment options that help patients recover from TBI. Treatment also assists in reducing or eliminating some physical, cognitive, and emotional disabilities caused by the TBI. The specific type of treatment prescribed will depend on the brain injury’s severity and location. TBI complications include impaired decision-making, challenges grasping...


> Losing a loved one to sudden cardiac death is never easy, but with the help of a Skokie ERISA lawyer, you may be able to secure life insurance to support your family afterwards. Call us to discuss your situation.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/sudden-cardiac-arrest/

SERIOUS CONDITION Sudden cardiac arrest occurs when the heart stops working. There is no cure and it's more common in individuals with certain lifestyle factors or health issues. WORK ABSENCES Patients with sudden cardiac arrest often need to take breaks from work due to the risks associated with stress and physical labor. SEEKING BENEFITS If you cannot work due to sudden cardiac arrest, an attorney may be able to help you gain disability benefits to support you. Disability Claims for Sudden Cardiac Arrest As the name suggests, sudden cardiac arrest (SCA) occurs when the heart suddenly stops functioning and can lead to sudden cardiac death. This condition is the United States’s leading cause of natural death, resulting in the death of some 325,000 adults annually. Mostly, SCA affects adults aged between 35 and 50 years, and men are twice as vulnerable as women. It is rare in children, affecting only 1 to 2 out of every 100,000 children annually. Doctors associate sudden cardiac deaths with undiagnosed heart diseases. Congenital birth disabilities account for most younger people who die of this condition. Conversely, coronary artery disease accounts for most adult deaths. So, who is more vulnerable to this condition? The following persons or groups of people are more susceptible to this disease: heart disease patients with enlarged hearts and other cardiovascular defects, hypertension patients, obese persons, smokers, patients with previous heart attacks, people with substance abuse problems, and those with excess magnesium and potassium deficiencies. Although over half of the disease’s...


> After a stroke, you may face unprecedented health effects that make working impossible. Call a Oak Park long term disability attorney immediately to protect the insurance you need.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/stroke/

HEALTH EMERGENCY A stroke is a health condition that occurs when blood supply to a section of your brain is reduced or disrupted. LONG TERM COMPLICATIONS The disruption or reduction denies brain tissue sufficient nutrients and oxygen, causing rapid cell death. This may lead to permanent damage, including disability. WORKPLACE CHALLENGES After a stroke, you may be unable to return to work. An attorney can work with you to help you obtain the disability benefits you need to support yourself. Success With Disability Claims for Strokes This medical condition is an emergency, and any delay in seeking treatment could cause severe long-term complications and death. A stroke patient may exhibit different symptoms. Some of these signs include challenges talking and grasping what one’s hearing, a paralyzed or numb face, leg, or arm, one section of the mouth droops when one tries to smile or visual difficulties with one or both eyes. Other symptoms may be an abrupt, severe headache that may be followed by vomiting and dizziness, or walking problems like stumbling, lost balance, and difficulty coordinating one’s legs. The good news is that modern treatment can often address the condition if it’s diagnosed and treated early. That’s why the American Heart Association recommends calling 911 immediately because “time lost is brain lost. ” However, treatment depends on the type of stroke that was suffered. Late treatment could cause various complications that grossly interfere with one’s occupational productivity, causing job loss. Common complications include brain damage, long-term disabilities, depression, severe...


> If you have Sjogren’s syndrome, you’re aware of the various health impacts this autoimmune condition has. Talk to an Orland Park ERISA lawyer if you need to pursue compensation.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/sjogrens-syndrome/

CHRONIC CONDITION Sjogren’s Syndrome is an autoimmune condition in which the immune system attacks the glands that produce saliva and tears. SEVERE SYMPTOMS Individuals with this condition typically struggle with chronic dry eyes and mouth, which can cause various complications such as ulcers, irritation and difficulty swallowing. WORKPLACE HURDLES Since Sjogren’s Syndrome causes widespread pain and fatigue, employees may choose to pursue disability benefits if they are unable to complete tasks while on the job. Success With Disability Claims for Sjogren's Syndrome Sjogren's Syndrome is an immune system disorder that’s marked by dry eyes and a dry mouth. The condition occurs when your body’s immune system responds by mistaking healthy body parts for invaders and attacks them. The mistaken attack usually affects body parts that secrete fluids, such as saliva and tears. This medical condition affects approximately 0. 1 to 4 percent of Americans. Women account for 90 percent of its patients. Although most diagnoses occur after patients hit 40 years of age, the disease can affect persons of all ages. A patient may report varied symptoms like the inability to secrete eye moisture, saliva, and, later on, joint pain. Women may also suffer vaginal dryness. Other signs include decayed teeth, tooth loss, mouth dryness, dry cough, chewing and swallowing difficulties, speaking challenges and salivary gland inflammation. This condition can have severe effects unless a patient undergoes timely treatment. Early therapy often lets a patient manage its symptoms well. Otherwise, it could cause severe complications that damage affected body tissues....


> If rheumatoid arthritis has a serious effect on your ability to work, you might qualify for long-term disability benefits. The claim process can be a challenging one, but a Chicago ERISA lawyer can help.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/rheumatoid-arthritis/

AUTOIMMUNE CONDITION Rheumatoid Arthritis is an autoimmune disease in which the immune system attacks healthy cells in the joints, resulting in damage and deformities. POSSIBLE COMPLICATIONS Many individuals with Rheumatoid Arthritis go on to develop a number of complications throughout their body, including joint pain, mobility issues and more. BENEFITS OFTEN DENIED Insurers denying or terminating claims frequently rely on hired doctors’ opinions that disclaim evidence of findings, symptoms, or side-effects of medications in any of your records. Success with Long-Term Disability Claims Involving Rheumatoid Arthritis Bartolic Law has experience getting insurers to pay long-term disability benefits to clients suffering from Rheumatoid Arthritis. In one particularly notable case, our client’s Rheumatoid Arthritis progressed to the point of widespread joint pain in the client’s elbows, wrists, hands, and knees. The insurer placed our client under surveillance attending a doctor's appointment and running an errand. The insurer characterized the surveillance as the client walking in a park, and carrying a large shopping bag, and then used the surveillance to terminate disability benefits, notwithstanding extensive medical records and the client’s treating doctors consistently telling the insurer the client was unable to perform even sedentary work. Because medical records and doctor opinions were not enough, Michael Bartolic traveled to the client’s home and captured photos and videos. We showed images of railings the client had installed around the home to help the client maintain balance while walking. We showed the client attempting to wash dishes and needing to break after only a couple of...


> Regional sympathetic dystrophy (RSD) is a debilitating condition that can disrupt your life, including your ability to work. Discuss your options for support with a Chicago disability insurance lawyer.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/reflex-sympathetic-dystrophy/

SEVERE PAIN Reflex sympathetic dystrophy (RSD) is a chronic health condition that causes severe pain in one or more limbs or extremities, including the feet, hands, legs, or arms. DISABLING SYMPTOMS Many times, the symptoms are more severe than the original injury. The pain, swelling and stiffness can make walking or using the hands impossible. CAREER UNCERTAINTY Patients with RSD may be unable to do their job, especially if it involves repetitive movements or physical activity. This can lead to uncertainty regarding the future. Success with Long-Term Disability Claims Involving Reflex Sympathetic Dystrophy Bartolic Law has helped many clients get long-term disability insurance benefits paid while disabled due to Reflect Sympathetic Dystrophy. One client spent most of the client’s career performing heavy work in construction. Due to an injury, the client had to transition to a new career in related account management and service, which did not require the same physical exertion. Over time, the back injury led to Reflex Sympathetic Dystrophy (RSD), and causing disability from the new role, too. It began with burning pain, and reduced movement in the client’s neck and arms. We treated the insurance denial like preparing for a trial. We obtained expert opinions from the client’s doctors, referencing the medical treatment history. We also obtained objective testing of the client’s functional capacity and a videotaped interview that functioned as a direct examination at trial. We even got recorded statements from a family member, like a fact witness at trial, explaining the family member’s observations...


> PTSD is a serious mental health condition that inhibits a person’s ability to function as usual. A Chicago ERISA lawyer who works with clients who have PTSD may be able to help you secure necessary compensation.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/post-traumatic-stress-disorder/

MENTAL HEALTH CONDITION PTSD is a mental health condition caused by a traumatic experience. The individual affected experiences anxiety and mood changes long after the event has ended. DEBILITATING SYMPTOMS Many individuals with PTSD experience flashbacks, which are vivid memories of the event, and develop avoidance behaviors as a result of the trauma. EMPLOYMENT DIFFICULTIES Workers with PTSD may require accommodations or even disability benefits if complications cause them to be unable to work altogether. Success With Post-Traumatic Stress Disorder Disability Claims Bartolic Law has helped numerous clients affected by Post-Traumatic Stress Disorder succeed in getting long-term disability claims approved, or their denials overturned. In one case, a client was the victim of an assault and robbery that resulted in a broken arm, but also left the client suffering from Post-Traumatic Stress Disorder thereafter. Because of the PTSD, the client struggled to leave the house. We were able to get the claim approved, and maintain it in pay status even after the physical injury was no longer the primary cause for disability. In another case, a client caring for a family member triggered PTSD from traumatic events abroad decades earlier. Though the insurer denied the claim, we were able to persuade the insurer its own medical consultant cherry-picked notes in a treating doctor’s records, and we provided the precise type of assessment and reference to the DSM-V that the medical consultant said was lacking. As a result of this surgical approach, we helped get that client’s denial turned into an...


> The post-lumbar fusion or discectomy recovery process can keep you out of work for months. Plan ahead regarding financial support by speaking with a Chicago disability insurance lawyer.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/post-lumbar-fusion-discectomy/

UNCERTAINTY Some patients post-lumbar fusion or discectomy regain functionality and feel great. Others get no relief, or can even get worse. But these surgeries often result in a reduced range of motion, which is important to consider in disability cases. WORSENING SYMPTOMS Some patients’ symptoms get worse post-lumbar fusion or discectomy. Some who move forward with the surgery usually feel they have nothing left to lose, and desperately want to regain functionality. WORKPLACE ISSUES Since complications may occur following treatment, patients may face long periods of unemployment or trouble completing work. Post-Lumbar Fusion/Discectomy Success in Long-Term Disability Claims We have helped countless clients who continued suffering pain from various spinal disorders even after undergoing a lumbar fusion or discectomy. Bartolic Law understands that some people get relief from lumbar fusions or discectomies, some buy time until the condition progresses again, some do not get any relief, and some get even worse. In one case, a client had undergone multiple lumbar fusions. Each time the client had a lumbar fusion, the client’s spinal structure overcompensated and placed pressure on the next disc higher, repeating the same problem every several years, and resulting in a reduced range of motion after every surgery. We inherited the client’s case when the client’s last resort was filing a lawsuit under ERISA § 502(a). We persuaded the court that the client had attempted every type of treatment available to alleviate the symptoms and gain the functionality to work, including heavy doses of narcotic pain medications and...


> After a concussion, an individual may have lasting health effects that impact their ability to work. Pursue your entitled insurance benefits with the help of a Chicago ERISA appeals attorney by calling Bartolic Law.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/post-concussive-syndrome/

SERIOUS CONDITION After a concussion, an individual may experience a set of symptoms that impair their daily life, including insomnia, dizziness, and trouble focusing. WORKPLACE DIFFICULTIES People who suffered concussions are more likely to develop memory problems, including dementia, which raises the risk of losing their ability to work. COMPENSATION In some cases, it’s possible to obtain compensation through disability insurance. Individuals should talk to an attorney about their specific situation. Success With Claims for Individuals With Post-Concussive Syndrome Bartolic Law helped many clients suffering from Post-Concussive Syndrome get long-term disability benefits paid. In one client’s case, the insurer terminated benefits on the basis that symptoms should subside six weeks after experiencing a concussion. But that decision was based on what usually happens to people after a concussion, and not what our client experienced. We explained to the insurer that Post-Concussive Syndrome is an umbrella term used to describe symptoms from the same trauma causing the concussion also resulting in a subsequent balance disorder. While the concussion is a trigger, the symptoms must be evaluated independently from the concussion. We also obtained objective testing demonstrating oculomotor symptoms and limitations, and obtained video footage of our client attempting to perform at-home therapy exercises. The client’s performance in those exercises and visible balance problems corroborated all the objective evidence and the client’s reported symptoms. As a result, we were able to help the client get paid. Post-concussion syndrome is a medical condition that results from head trauma and brain injuries. Such injuries...


> Many adults develop osteoporosis, a condition that causes significant weakness, which can make work difficult. A Glenview ERISA attorney provides the clarity you need to fully understand your situation.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/osteoporosis/

A SERIOUS DISEASE Osteoporosis is a degenerative disease of the bones that occurs when the body doesn’t create adequate bone tissue. HEALTH EFFECTS Over time, osteoporosis can make your bones weaker, causing pain and limited mobility that can inhibit your physical capabilities. DISABILITY BENEFITS In some cases, osteoporosis can make work challenging, particularly if your job involves frequent standing or repetitive movements. Seek disability benefits if you can no longer work. Success With Disability Claims for Osteoporosis What is osteoporosis? It’s a bone disease that occurs when your body loses too much bone tissue or does not make adequate bone tissue to begin with. Consequently, osteoporosis weakens your bones, making them easy to fracture from falls or even minor bumps. The disease makes your bones “porous,” hence its name osteoporosis. An excess estrogen reduction in the body causes this disease because estrogen builds and maintains your bone tissue. Most women become vulnerable to this condition during menopause because of the associated reduction of this vital hormone. Other factors like side effects from medical treatment, certain diseases, lifestyle decisions, race, and age also expose people to this bone disorder. A patient manifests varied clinical signs, the leading ones being back pain due to broken or collapsed vertebra, gradual weight loss, a stooping posture, and brittle and weak bones. Treatment plans for osteoporosis seek to achieve the following results: slowing or preventing the disease’s progression, maintaining healthy bone mineral density and mass, preventing bone breakage, reducing pain and maximizing a patient’s ability...


> If osteoarthritis has a serious effect on your ability to work, you might qualify for long-term disability benefits. This process can be difficult, but a Chicago long term disability lawyer is here to help.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/osteoarthritis/

COMMON CONDITION Osteoarthritis is a common health condition that causes degeneration of the joints. It can affect any joint in the body, usually those in the knees, hips, hands and spine. DISABLING SYMPTOMS In its later stages, osteoarthritis can be debilitating and make it hard for a person to use their hands or walk without discomfort. WORKPLACE COMPLICATIONS Individuals with osteoarthritis may have trouble completing work, whether their career involves typing, using their hands or frequent standing and lifting. Success with Long-Term Disability Claims Involving Osteoarthritis Bartolic Law has gotten many clients suffering from Osteoarthritis long-term disability benefits paid. We have worked at all stages of the case, from making a claim, to challenging a denial, to litigation. In one client’s case, the client suffered from Osteoarthritis in both knees and had a job that required standing and walking all day. Despite double knee replacements, the client still suffered considerable pain when standing and walking. The insurer initially denied the claim asserting the knee replacements restored full functionality, but we successfully persuaded the insurer the relief was not to a point to permit that kind of standing and walking. In another case, we had a client with severe Osteoarthritis in the client’s hands and wrists, and the client’s work required frequent use of a computer, as many do today. Insurers’ assessment forms and medical reviews rarely focus on the capacity to use a computer or type, so we obtained an upper extremity specific functional capacity evaluation that focused on computer...


> Neuropathy is a condition of the nerves that causes weakness, pain and numbness. Many individuals with this condition are unable to work, so if you need benefits, call Chicago ERISA attorney Michael Bartolic immediately.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/neuropathy/

CHRONIC HEALTH ISSUE Neuropathy is a severe condition that causes significant pain and numbness throughout the body. This disease has many potential causes, both environmental and hereditary DISABLING COMPLICATIONS Usually, individuals with neuropathy eventually develop health complications such as gangrene, ulcers, numbness and weakness. LONG TERM ABSENCES Considering the degenerative nature of the disease, some people require disability benefits when they are no longer able to work. Success With Neuropathy Disability Claims Bartolic Law has helped many clients suffering from various forms of neuropathy get their long-term disability insurance benefits paid. Recently, a client needed to make a disability claim involving neuropathy in their hands. The client’s job required frequent computer use, and the neuropathy made working increasingly harder as symptoms progressed. Because the client was concerned about having a disruption in income flow, we helped the client make the initial claim. Despite initial resistance from the employer and claim administrator, we were able to get the claim promptly paid, achieving exactly what the client hoped to achieve. Neuropathy is a medical condition that damages one or several nerves, causing them to malfunction. This damage causes affected areas to tingle, become numb, and weaken. Mostly, it starts with one’s hands and feet, although it can spread to other body parts. Exposure to poisonous chemicals, hereditary factors, metabolic challenges, and traumatic injuries cause this condition. However, other conditions like diabetes also cause it when high blood sugar levels damage the nerves. Other causes include chronic kidney disease that causes chemical and...


> Muscular dystrophy is a degenerative disease that causes muscle mass to shrink, leading to the need of a walking aid or wheelchair. If you have this condition and were denied benefits, contact our Chicago ERISA lawyer immediately.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/muscular-dystrophy/

PAINFUL CONDITION Muscular dystrophy has many symptoms, although continuous muscle fatigue is prominent. Other specific clinical signs start at later stages and muscle groups, based on the disease’s type. INCURABLE DISEASE Medical science hasn’t discovered a cure for the condition, and current treatments only manage symptoms and deter the disease’s advancement. WORKPLACE CHALLENGES Since muscular dystrophy can cause significant pain and weakness, the affected individual may choose to pursue disability benefits if they are unable to work. Success With Disability Claims Involving Muscular Dystrophy Bartolic Law has helped people fighting Muscular Dystrophy get their long-term disability insurance claims paid. Like many other chronic and progressive conditions, the biggest hurdle is often getting the initial approval of the claim, as insurers know people do not improve while battling such progressive conditions. The insurers often deny the claims, asserting you have not become disabled yet, but you have already stopped working and would otherwise lose coverage under the policy if you do not succeed. In one client’s case, the client worked in a sedentary occupation, but the Muscular Dystrophy advanced to the point the client had to stop working. The insurer contended the client should not be disabled yet because the illness did not impair the client’s ability to sit. But even sedentary work requires standing and walking occasionally. More importantly, the symptoms prevented the client from effectively transferring from sitting to standing or walking. Through showing the difficulty the client had with changing postural positions, we were able to persuade the...


> If you are experiencing symptoms of MS, you might be having trouble with your daily life and being able to earn a living. The Chicago compensation attorney at Bartolic Law can help you through the disability claims process.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/multiple-sclerosis/

DEGENERATIVE DISEASE Multiple sclerosis is a rare, serious disease of the nervous system. MS is degenerative, meaning it usually gets worse as it progresses. EMPLOYMENT OPTIONS Because MS can differ significantly among patients, some choose to continue working, while others feel pressured to quit their job. WORKPLACE HAZARDS As more employers adopt CRM software in their workflows, keyboarding limitations affect a broader range of occupations than they once did. Success with Multiple Sclerosis Long-Term Disability Claims At Bartolic Law, we have gotten many clients suffering from Multiple Sclerosis long-term disability benefits paid. In particular, we helped multiple high-earning individuals who did not want a public record of their illness get the benefits paid in full, without litigation. In one matter, we represented a trial lawyer who was a partner in a large law firm and got diagnosed with Multiple Sclerosis after noticing difficulty with work. Like many people in these roles (such as doctors and lawyers) where clients’ well-being is in their hands, our client did not want to place clients at risk but was concerned about the insurer approving the claim so early in the diagnosis and treatment. By working closely with the client’s doctors and the insurer, we were able to persuade the insurer to pay the claim without a denial. In another case, after a client’s MS progressed to the point of having repeated falls and constant instability, the insurer terminated the claim. The insurer’s doctors reviewed the evidence and wrote there was no evidence of neurological...


> If you believe you might need to file an LTD insurance claim due to migraines, you should not wait to speak with Bartolic Law. Call to talk to a Chicago ERISA lawyer right away.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/migraines/

COMMON DISABILITY Migraines are among the most common causes of disability in American adults. Attacks can happen suddenly and make it hard to function as usual. UNKNOWN TRIGGERS While some patients know their triggers, which may include anything from certain food to weather changes, others cannot do anything to prevent nor prepare for an attack. EMPLOYMENT DIFFICULTIES As more and more jobs become computerized, migraine sufferers may encounter issues if electronic screens exacerbate their symptoms. Success with Long-Term Disability Claims Involving Migraines Bartolic Law has helped many clients suffering from Migraines get paid long-term disability insurance benefits. In one client’s case, we helped the client create detailed documentation of the client’s daily symptoms and how light exacerbated the client’s symptoms, preventing the client from spending any time on a computer. We also got witness observations to describe the client when the client experienced symptoms. This helped avoid the insurer asserting the symptoms were merely subjective and self-reported. In another matter, we helped a partner of an accounting firm recover benefits due to Chronic Migraines by creating a detailed journal of frequency and intensity of the Migraines’ onset and the specific activities the client was able to do and not able to do during the onset. Migraine headaches are recurring and can cause severe throbbing pain, light and sound sensitivity, and other symptoms for sufferers. There are many different causes of migraines, and many people are unable to avoid all possible triggers at all times. Migraines can begin when you least...


> Vertigo is a debilitating condition, and it’s a common symptom of migraines. If you believe you might qualify for disability insurance benefits, you want the help of a Chicago disability claims attorney from Bartolic Law.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/migraine-associated-vertigo/

MIGRAINE COMPLICATIONS Migraines cause a wide range of symptoms, including vertigo, which presents as a spinning sensation alongside balance issues. PREVENTION Migraine associated vertigo generally responds to traditional migraine treatment, but such treatment cannot always prevent migraines from coming on. IMPAIRMENT Attacks are often debilitating, and you cannot do much else but stay still in a quiet and dark place while you wait for medication to help. This makes work challenging, and it might qualify you for disability benefits. Success in Long-Term Disability Claims Involving Migraine Associated Vertigo Bartolic Law has helped many clients suffering from Migraine Associated Vertigo get long-term disability benefits paid by insurance companies. Often the clients’ symptoms begin as dizziness and they explore treatment with an ENT or neurologist. Many of our clients have then progressed to treatment with one of the handfuls of cross-specialty otoneurologic practices, and get diagnosed with Migraine Associated Vertigo. In one client’s case, the insurer repeatedly disclaimed any “objective” evidence of the client’s symptoms and wrote them all off as subjective and self-reported. Working closely with the client’s otoneurologist, we demonstrated test results showing objective signs of the symptoms. We also obtained neuropsychological testing to show the specific effects of the symptoms on the client’s cognitive performance. By combining objective findings of the symptoms with objective measures of the limitations, we successfully took the client’s case out of a dispute over subjectively reported symptoms, and into a review of objective criteria. With much effort and perseverance, we recovered for the client,...


> A lung cancer diagnosis is devastating, and the situation is even more challenging when your benefits are denied. An Orland Park compensation attorney can assist you through such a difficult time.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/lung-cancer/

COMMON ILLNESS Lung cancer is the third most common cause of cancer in the United States, and it’s usually caused by smoking. SEVERE SYMPTOMS Many people with lung cancer experience varying symptoms including fatigue, weight loss and breathing difficulties. CAREER UNCERTAINTY Since lung cancer can cause significant illness and distress, the patient may not be able to continue working, particularly if their job involves physical labor. Success With Long Term Disability Claims Involving Lung Cancer Bartolic Law has worked with multiple clients battling Lung Cancer invoke various benefits under their group insurance policies, such as long-term disability benefits, catastrophic disability benefits, and accelerated life insurance benefits. In one case, our client’s long-term disability insurance benefits stopped because the insurer asserted after the client’s treatment cycle completed, the client should have recovered. We demonstrated to the insurer that the stage of the cancer required a level of treatment that saved the client’s life, but left permanent limitations from which the client would not recover. In another case, our client sought to obtain accelerated life insurance due to the Lung Cancer. We had to demonstrate that the client’s life expectancy was less than one year. This allowed the client to live the remainder of life with financial comfort, despite ultimately outliving the life expectancy. Lung cancer is one of the most common cancer forms affecting millions of Americans. Estimates show that it is the third-most common cancer and the leading cause of cancer-related deaths in the USA. Mostly, it affects American males,...


> Any degree of hearing loss may warrant insurance benefits, but it’s common to have a claim denied. Call a Skokie ERISA attorney immediately to learn more about the situation you’re in.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/hearing-loss/

CHRONIC CONDITION Hearing loss is the reduction of one’s hearing ability in one or both ears, and the loss can range from mild to severe. POTENTIAL DISABILITY Severe hearing loss can make it difficult to function as usual. Adults with hearing loss might have trouble communicating with coworkers. PURSUING BENEFITS When an individual with hearing loss is unable to continue working, it may be possible to obtain insurance benefits. Success With Hearing Loss Disability Claims Bartolic Law has worked with clients experiencing Hearing Loss and helped them recover long-term disability benefits. Like any illness or injury, Hearing Loss may impair one’s ability to perform an occupation more so than it would impair another person’s performance of a different occupation. The more the occupation in question requires hearing, or interacting with other people, the more impairing the Hearing Loss can be. In one case, a client suffered an injury that resulted in a sudden loss of hearing completely in one ear, and mostly in another ear. The client worked in education, and needed to interact with students, often while not directly facing them, due to the number of students an education must pay attention to at one time. We demonstrated that the client’s field of hearing was limited because the client could not even rely on using only one ear, as students are positioned at various angles, and some farther away than others. As educators are on their feet, they frequently turn in different directions, requiring the ability to hear from...


> If you have been diagnosed with fibromyalgia, working or doing daily tasks can be tough. Call a Chicago ERISA attorney to file a claim and get advice on your best options.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/fibromyalgia/

COMPLEX CONDITION Fibromyalgia is a chronic condition that causes pain throughout the body, usually manifesting as muscle pain and joint tenderness. COMPLICATIONS In addition to widespread pain, fibromyalgia can lead to sleep disorders, anxiety, impaired memory, IBS and other problems. EMPLOYMENT OBSTACLES Considering how fibromyalgia can cause complex physical and mental symptoms, employees typically encounter obstacles in the workplace that limit productivity. Success with Long-Term Disability Claims Involving Fibromyalgia Bartolic Law helped many clients with Fibromyalgia get long-term disability claims approved, or denials overturned. In one case, a client came to us after exhausting pre-litigation appeals. We discovered that the insurer performed multiple vocational reviews and consistently noted it needed the client to have at least light physical exertion capacity to terminate disability benefits. After sending the client to an IME, who originally stated the client had only sedentary capacity, the IME changed her opinion days later elevating the limitations to medium exertion capacity. After we sued under ERISA § 502(a) and confronted the insurer’s counsel about this, the insurer quickly put our client back on claim. In another client’s case, we successfully persuaded the insurer our client’s Fibromyalgia precluded even sedentary work after a benefit denial. Shortly thereafter, the insurer attempted to raise a contractual basis to deny benefits, which we overcame after filing a lawsuit. We know our clients would rather be working and earning a living than be disabled, and their claims are real. That is why Bartolic Law never gives up. Fibromyalgia is another chronic pain...


> If you suffer from a disabling condition such as Ehlers-Danlos Syndrome, you should not delay in consulting with a Chicago disability claims lawyer at Bartolic Law.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/ehlers-danlos-syndrome/

GENETIC CONDITION Ehlers Danlos Syndrome is a rare condition that causes bodily pain, joint problems, heart valve issues and many other problems. DIFFICULTY WORKING Many patients have trouble working as they take many sick days and cannot perform certain work-related tasks. ACCOMMODATIONS Individuals with Ehlers Danlos Syndrome may require certain accommodations if symptoms limit physical ability to complete work. Success with Long-Term Disability Claims Involving Ehlers-Danlos Syndrome Bartolic Law has helped numerous clients suffering from Ehlers-Danlos Syndrome with long-term disability insurance claims. Often, the Ehlers-Danlos Syndrome diagnosis follows a history of symptomology and other illnesses unsuccessfully treated. In one client’s case, the client suffered from chronic widespread pain, treated as Fibromyalgia. Additional symptoms, like joint hyperextension and joint pain, caused the client to undergo a diagnostic workup for Ehlers-Danlos Syndrome. The insurer denied the long-term disability claim because there was no definitive diagnosis of the etiology of the client’s symptoms. We successfully persuaded the insurer that an illness does not have to be diagnosed or pinpointed to cause disabling symptoms, under the so-called “unknown etiology” theory. The insurance policy did not require a diagnosis, just disabling symptoms due to an illness. This resulted in the insurer approving our client’s claim. In another case, the insurer denied our client’s claim asserting no evidence of clinical findings showing Ehlers-Danlos Syndrome. We directed the insurer’s attention to numerous physician findings of joint hypermobility and joint pain. We obtained a functional capacity evaluation where the evaluator documented audible joint clicking during the exercises and...


> Clinical depression is a huge mental hurdle, and in some cases, it can prevent a person from productivity altogether. An ERISA lawyer near Oak Park can help you determine if you can receive your denied benefits.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/depression/

MENTAL DISABILITIES Depression is a mental health disorder that causes ongoing low mood due to chemical imbalances in the brain. It often causes various mental disabilities that make living life hard. ONGOING CHALLENGES A person with clinical depression may face constant sadness or apathy that hinders their ability to get work done in their day-to-day life. FILING CLAIMS When depression is severe enough to prevent a person from working, they may be able to obtain disability benefits. Success With Disability Claims Involving Depression Bartolic Law helps clients battling Depression with their long-term disability claims. We have worked with individuals who anticipated making claims, appealed insurers’ denials of claims, and even sued long-term disability insurers over depression-related disability claims. Depression often accompanies other diagnoses, some mental health related, and some not. In one case, our client was an airline worker suffering from Major Depressive Disorder. Symptoms were so severe, the client would often reschedule treatment appointments due to inability to get out of bed. The insurer denied the claim for non-compliance with treatment. We successfully demonstrated to the insurer that the client’s Depression was the cause of missing appointments, which demonstrated the client would not be able to reliably and consistently show up for work. As often as we handle claims based on Depression, we have also handled claims challenging an insurer’s application of policy limitations that apply for Depression. In one case, our client suffered from severe spinal disorders, and developed Adjustment Disorder in coping with the physical disability. The...


> A dementia diagnosis is never easy, but with the help of a Chicago severance benefits lawyer, relief is possible. Call us to discuss your disability claim denial.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/dementia/

DIFFICULT DIAGNOSIS Dementia is a serious condition that leads to cognitive impairments and memory loss that can inhibit a person’s ability to function. SERIOUS COMPLICATIONS Many individuals with dementia are eventually unable to communicate and function as usual due to trouble with motor abilities, speech and thinking. BENEFITS CLAIMS Those diagnosed with dementia may be able to file a disability benefits claim if their symptoms stop them from working. Success With Disability Claims for Dementia Bartolic Law has helped clients suffering from early onset of various forms of Dementia get their long-term disability claims paid. We have helped with challenging insurers’ denial of claims, and filing lawsuits over denied claims. In one case, our client had a rapid onset of Dementia, but the client’s doctors had not yet reached a conclusive diagnosis of the cause of the client’s rapid decline. The client’s cognitive abilities rapidly faded, and the client even lost the ability to verbally communicate. We worked with the client’s family members, one of whom obtained a power of attorney for the client, to perform the appeal and show the extent of the client’s symptoms, despite lack of a diagnosis yet. We were able to get the claim paid before the doctors even diagnosed the client with Dementia. In another case, our client suffered from early onset Alzheimer’s Disease following numerous grand mal seizures. The insurer helped our client obtain Social Security disability benefits under a compassionate allowance for early onset Alzheimer’s Disease, but then disputed the client had...


> Degenerative health conditions can impact quality of life, forcing long leaves or job loss. Our Glenview ERISA lawyer has helped clients with disc disease. Call us today.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/degenerative-disc-disease/

LONG-TERM PAIN Degenerative Disc Disease is a health condition that causes numbness and pain as the spinal discs break down over time. ONGOING HURDLES As a degenerative condition, this disease can cause ongoing hurdles throughout the individual’s life, including new symptoms or worsening pain. WORKPLACE CHALLENGES Individuals with this condition are often unable to work in certain conditions, such as jobs that require standing for long periods of time. Success with Long-Term Disability Claims Involving Degenerative Disc Disease Bartolic Law has helped many clients suffering from Degenerative Disc Disease get their long-term disability benefits paid by insurance companies. Degenerative Disc Disease usually builds over time, and by the time our clients come to us, there is a history of various treatments attempted to help the client continue working. In one case, our client was a clinical nurse in a hospital. The occupation required being on the client’s feet most of the day, and the ability to lift and carry considerable weight to help patients transition from beds to standing or to chairs. The insurer denied the claim, asserting the limitations were not severe enough to preclude the client’s work, and that nursing can be performed in a sedentary role. We obtained objective testing of the client’s physical limitations caused by the client’s pain, showing the client could not work in clinical nursing anymore. We next examined the client’s unique education and experience. We recognized a vocational expert opinion would help explain why the client’s background in another country would not...


> Digestive conditions such as Crohn’s Disease and IBS sometimes warrant unemployment coverage. Talk to an Orland Park ERISA attorney to discover your options.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/crohns-disease-ibs/

PAINFUL CONDITION Crohn's disease is a form of inflammatory bowel disease (IBD) that inflames your digestive tract, causing stomach pain, fatigue, malnutrition, and diarrhea. ONGOING DISCOMFORT While symptoms are sometimes managed using various treatments, there is no cure, so this condition causes ongoing issues for the patient. EMPLOYMENT CHALLENGES Due to the significant discomfort and pain that IBD can cause, patients may have trouble with their career. Success With Disability Claims for Crohn's Disease / IBS Bartolic Law has helped clients suffering from Crohn’s Disease and/or Irritable Bowel Syndrome get their long-term disability insurance claims paid. In one client’s case, the client had a job that required the client to stand and walk significantly and to constantly interact with others. The Crohn’s Disease symptoms were so severe, that if the client ate or drank anything before or during work, the client would have to take unscheduled breaks from work all day for trips to the restroom, lasting over twenty minutes at a time. We had the client create a journal of frequency of bathroom trips and their duration, and also had the client’s family corroborate the frequency and duration of trips. We also had evidence of the client’s symptoms if the client did not eat or drink all day, which also rendered the client unable to sustainably work. We then had a vocational expert provide an analysis for the insurer explaining that the client would be off task at work too frequently to maintain competitive employment. This persuaded the insurer...


> Complex regional pain syndrome poses many hurdles to your life, including your ability to work. Unemployment benefits are essential to your wellbeing, so fight your denied claim with a Skokie ERISA lawyer at Bartolic Law.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/complex-regional-pain-syndrome/

SEVERE PAIN Complex Regional Pain Syndrome causes significant pain that’s sometimes disproportionate to the original injury. SEVERAL CAUSES Other conditions like fibromyalgia and lumbar or cervical radiculopathies, over time, can correlate with development of Complex Regional Pain Syndrome. DISABLING CONDITION Individuals with this condition often have difficulty working or performing regular tasks, leading to unemployment. Success with Long-Term Disability Claims Involving Complex Regional Pain Syndrome Bartolic Law has experience helping clients suffering from Complex Regional Pain Syndrome (CRPS) obtain long-term disability benefits. We have helped clients at every stage of the process, including making a claim, appealing a denial, and lawsuits over benefits under ERISA § 502(a). In one case, a client suffered from CRPS and demonstrated multi-level lumbar spine arthropathy and stenosis and radicular pain in the client’s legs. The client had a sedentary occupation in a high-functioning executive capacity, and manifestations of CRPS in the form of cold skin and decreased mobility. We successfully persuaded the insurer that the client was limited to working no more than 4 hours per day, which satisfies being disabled. In another matter, we recovered for a client suffering from intense CRPS in the client’s face. The insurer initially focused on the client’s lack of restrictions on sitting. However, we were able to demonstrate that the intensity and frequency of pain in the client’s face interfered with the client’s ability to maintain focus on tasks, precluding the client from any sustainable level of work. Complex regional pain syndrome (CRPS), formerly called Reflex Sympathetic...


> There are countless ailments and conditions that may cause cognitive impairment, which makes holding a job difficult. Seek compensation alongside a Evanston ERISA appeals lawyer at Bartolic Law.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/cognitive-impairment/

SEVERE IMPAIRMENT Cognitive impairment is a condition when a person’s ability to think and function is compromised following a stroke, drug abuse and certain injuries. DISABLING SYMPTOMS While patients may be able to live a normal life with mild cognitive impairment, severe symptoms can take away a person’s ability to do basic tasks. OBTAINING BENEFITS If you or a loved one cannot work due to cognitive impairment, talk to an attorney about how you can obtain the benefits necessary to support you. Success With Disability Claims for Cognitive Impairment Bartolic Law has helped many clients suffering from Cognitive Impairments with their long-term disability claims. Cognitive Impairment can arise from a variety of conditions, and we have experience with them all. In one case, our client suffered from Migraine Associated Vertigo, and the dizziness not only caused visual impairments, but impairment in ability to execute critical thinking and analysis. The client was a consultant, and the dizziness-induced Cognitive Impairment prevented the client from being able to analyze the kind of complex data required. Though neuropsychological testing showed performance in most categories within the normal range, the performance in those most pertinent to such an occupation were all impaired. Combining this evidence with objective evidence of the illness, explanations by doctors, and a video testimonial, we recovered for the client. In another case, a client worked in retail management and had a sudden onset of Cognitive Impairment. The client’s doctors still performed diagnostic workup to evaluate the cause, but the impairment was...


> Clubfoot is a rare but serious congenital foot deformity that can significantly impact a person’s mobility. Working with a Oak Park compensation lawyer to recover necessary medical coverage may be beneficial.

- Published: 2021-05-27
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/clubfoot/

BIRTH DEFECT Clubfoot is a medical condition that makes a newborn’s foot rotate internally at the ankle. The affected foot points downwards and inwards, making the child’s feet face one another. WALKING DIFFICULTIES About half of children born with this condition have their feet affected. Children with this disease can have walking difficulties, so doctors recommend getting immediate treatment after birth. DISABILITY CLAIMS Not everyone receives the full treatment they need, and they might continue to suffer complications and effects throughout their lives. If this is true for you, consider seeking disability benefits. Long-Term Disability Claims Involving Clubfoot Clubfoot is a condition adults suffering from it have had for a long time, and on its own typically does not cause one to become unable to perform a job previously able to do. But as other illnesses progress, the comorbidity of Clubfoot can become more limiting. It will increase the rate at which symptoms of other co-morbidities become disabling. For instance, individuals with Clubfoot who develop various forms of arthritis in the lower extremities, or nerve damage in their lower extremities, may have a greater degree of impairment caused by the additional Clubfoot condition. If you develop back disorders or Lumbar Radiculopathy, the co-morbid Clubfoot diagnosis can also exacerbate the other symptoms. Clubfoot is a rare condition, and its mildness or severity varies among affected people. Unfortunately, medical science doesn’t know the exact cause of clubfoot. Instead, doctors believe that hereditary factors significantly contribute to it. This theory presupposes that certain...


> Cirrhosis and other diseases of the liver can have life-changing impacts. A Glenview long term disability attorney can work alongside you to pursue compensation if you are unable to work.

- Published: 2021-05-26
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/cirrhosis/

SERIOUS DISEASE Cirrhosis is a serious condition that affects the liver. It’s often a result of liver infections, as well as certain lifestyle factors such as heavy alcohol drinking. HEALTH COMPLICATIONS In some cases, cirrhosis leads to further liver damage and other complications throughout the body, which can affect a person’s physical capabilities. SEEKING INSURANCE Filing a disability claim can provide relief for those who cannot work due to complications caused by cirrhosis. Success With Disability Claims Involving Cirrhosis Bartolic Law has helped clients suffering from Cirrhosis get long-term disability claims paid. Whether you contemplate making a claim, had a claim denied, or need to file a lawsuit, Bartolic Law can help you through it. In one client’s case, the client was a clinical nurse suffering from Cirrhosis caused by Hepatitis. The Cirrhosis caused the client to require a liver transplant. But years after the transplant, the client required a second transplant. The medications the client had to take to help the client’s body accept the new organ, and prevent its deterioration again, were so immunosuppressive that returning to work in a clinical setting, or any routine exposure to public, posed a health risk. The insurer terminated long-term disability benefits, contending the client had functional capacity to work. We appealed the benefit termination, persuading the insurer of the risk of further disability or even death from exposure to the public, especially in a clinical nursing setting where the client would be exposed to patients with various illnesses. In the end,...


> There are many different causes of chronic pain, but this type of pain disorder can prevent you from working. To ensure you receive proper insurance benefits, call a Chicago disability insurance lawyer.

- Published: 2021-05-26
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/chronic-pain/

PAINFUL CONDITION Chronic pain is a general term referring to any pain caused by a chronic health condition. Pain can range from mild to severe and complicate a person’s daily life. ONGOING DISABILITY Many individuals with chronic pain are unable to complete day-to-day tasks, including those at their job. EMPLOYMENT CHALLENGES Since chronic pain can impair a person, he or she may be unable to continue working and look to disability benefits instead. Success With Disability Claims for Chronic Pain Bartolic Law helped many clients suffering from Chronic Pain due to all kinds of ailments, including back and spinal disorders, neuropathy, all forms of arthritis, fibromyalgia, shingles, multiple sclerosis, Chronic Migraines, CRPS, and others. In one chronic pain case, the insurer paid long-term disability benefits for the first two years during the “regular occupation” period of disability, but then terminated benefits after the definition transitioned, contending the client could perform light to medium physical exertion work based on an Independent Medical Examination. After investigation, we discovered the IME doctor initially opined the client only had sedentary capacity, but changed the findings days later after the insurer informed the doctor the client could not meet the policy’s wage requirement at the sedentary level. We managed to keep this client in pay status ever since. In another case based on Multiple Sclerosis, the insurer similarly terminated benefits at the two-year mark contending the client could perform sedentary work, and asserting there was no evidence of any neurological impairment due to MS. We...


> Cervical radiculopathy is a serious condition that can cause debilitating pain, making work a challenge. Seek compensation alongside a talented Oak Park ERISA lawyer.

- Published: 2021-05-26
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/cervical-radiculopathy/

DISABLING PAIN Often referred to as a pinched nerve, cervical radiculopathy happens when a nerve gets compressed in your neck. This condition often causes severe pain. ADDITIONAL SYMPTOMS This compression results in pain that can spread into your shoulder and arm, and you might experience numbness or weakness of your muscles. MEDICAL EXPENSES This condition often requires physical therapy, medication, and other treatment, which can lead to high bills. Success with Long-Term Disability Claims Involving Cervical Radiculopathy Bartolic Law has helped countless clients battling Cervical Radiculopathy get long-term disability insurance benefits paid. Unlike Lumbar Radiculopathy, Cervical Radiculopathy most impacts the client’s neck and upper extremities. In one case, our client suffered from Cervical Radiculopathy for years. The client worked in sales management, and the insurer denied the claim because it said there should be no impact on the client’s ability to sit and stand, and change positions as needed, to do sedentary work. We worked with the client’s doctors to give explanations on how the Cervical Radiculopathy impacted the client’s neck mobility and upper extremity usage for keyboarding and computer use. We also had the client attend a functional capacity evaluation specific to using the client’s arms and hands and focused on computer work. We also demonstrated that the medication the client took to manage the pain, in the required doses to alleviate symptoms, caused impairing side effects. Often individuals with Cervical Radiculopathy must resort to narcotic pain medications or other powerful drugs that cause considerable sedation and drowsiness throughout...


> Carpal tunnel syndrome is a painful condition caused by compressed wrist nerves. Typing or repetitive hand motions increase the risk. Call a Chicago ERISA lawyer to see if you’re covered.

- Published: 2021-05-26
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/carpal-tunnel-syndrome/

A SERIOUS CONDITION Carpal tunnel syndrome is common among people who engage in repetitive motions or activities. It can require surgical intervention and significant rest from usual activities. COMPLICATIONS Often, carpal tunnel syndrome accompanies other illnesses or conditions, exacerbating the impairment’s impact on working. WORKPLACE HAZARDS As more employers adopt CRM software in their workflows, keyboarding limitations affect a broader range of occupations than they once did. Success with Long-Term Disability Claims Involving Carpal Tunnel Syndrome Bartolic Law has successfully obtained benefits for many clients suffering from carpal tunnel syndrome. In one client’s case, the client’s carpal tunnel syndrome impairments made them unable to work on a keyboard for more than a couple of hours per day, yet the occupation required doing so most of the day. The insurer consistently ignored these statements by the client’s doctor and focused on sitting and standing capabilities instead. After suing the insurer and plan, the court agreed the insurer’s disregard was arbitrary and capricious, resulting in victory for the client. In another case, a senior sales manager had to perform much keyboard and computer work to manage the employer’s sales and service workflows, but could no longer work on a computer with advanced carpal tunnel syndrome and cervical stenosis. We helped that client get the long-term disability benefits paid, and remain in pay status. Common activities that can contribute to or cause carpal tunnel syndrome might include computer use, data entry in customer service, and more. These motions compress the median nerve, which...


> If you are unable to do work-related duties due to cardiovascular disease, contact a Chicago compensation attorney to learn how you can be financially supported even if you cannot work.

- Published: 2021-05-26
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/cardiovascular-disease/

CHRONIC DISEASE Cardiovascular disease includes conditions that affect the blood vessels or heart. Over time, this disease can lead to stroke, heart attacks and other major complications. POSSIBLE EFFECTS Individuals with cardiovascular disease sometimes don’t have symptoms. However, others may deal with high blood pressure, fatigue, dizziness and more. DISABILITY COVERAGE A stroke patient is most likely to lose their ability to work and, in this case, they may qualify for disability insurance benefits. Success With Long Term Disability Claims For Cardiovascular Disease If you are filing a claim or have been denied disability benefits, get Bartolic Law on your side. Our experienced Chicago long-term disability lawyers are highly knowledgeable in all aspects of disability insurance and can help you get the benefits to which you are entitled. We have helped numerous clients get disability benefits paid due to various cardiac conditions, including Cardiovascular Disease. Cardiovascular Disease is often not the only diagnosis, and disability claims involving Cardiovascular Disease require a close examination of how the various conditions interact to produce disabling symptoms. In various cases we have handled, the client had suffered prior cardiac events and was advised to stop working to prevent a future life-threatening cardiac event. Long-term disability insurers often overlook this key component, focusing instead on what you can do, instead of what you should do. Cardiovascular disease (CVD) generally refers to medical conditions affecting the heart or blood vessels. This condition usually results from fat deposits in arteries, and people with obesity, hypertension, smoking behaviors,...


> Breast cancer is a serious illness that can put you out of work. Call a Chicago ERISA lawyer right away to discuss possible recompense.

- Published: 2021-05-26
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/breast-cancer/

SERIOUS ILLNESS Breast cancer is a common form of cancer most often diagnosed in women. Cells grow uncontrollably in the breasts, forming tumors and spreading to other areas. COMPLICATIONS After developing breast cancer, an individual may experience a number of physical and neurological complications that lead to disability. INABILITY TO WORK If you cannot work due to breast cancer, talk to an attorney about obtaining the disability benefits to which you’re entitled. Success With Disability Claims for Breast Cancer Bartolic Law has helped clients battling various forms of cancer, including Breast Cancer, get long-term disability claims paid. Disagreements with long-term disability insurers most often arise after chemotherapy treatment has concluded and the insurer terminates benefits. In one case we handled, our client was an executive, and the client’s disability lasted after the treatment concluded. The client had lasting fatigue due to the intensive aggressiveness of the treatment. Despite initial pushback from the insurer, we persuaded the insurer to continue paying benefits until the client was ready to attempt to return to work, preventing any disruption in the client’s household income. We similarly helped a different client maintain disability insurance payments after completing treatment for lymphoma where the treatment was so aggressive, it resulted in long-lasting peripheral neuropathy, preventing the client from returning to work even years after treatment for the cancer ended. Breast cancer occurs when cancer cells form in the breast tissue. This cancer is the second-most diagnosed cancer among American women after skin cancer. It also occurs in...


> Ankylosing spondylitis is an inflammatory condition affecting the spine and joints, leading to debilitating pain. Talk to a Chicago ERISA appeals attorney to see what can be done.

- Published: 2021-05-26
- Modified: 2026-06-11
- URL: https://www.chicagodisabilitylawyers.com/disabilities-weve-handled/ankylosing-spondylitis/

LIFE-CHANGING CONDITION Ankylosing spondylitis is a health condition that causes inflammation and can result in the fusion of your spinal vertebrae over time. This reduces flexibility in your spine, often causing your posture to become hunched over. COMPLICATIONS Sometimes, the condition can impact your rib cage, which can result in respiratory issues. Inflammation can also occur and cause problems in other areas of the body. ONGOING DISABILITIES The effects of this condition often limit a person’s ability to perform their job, and it might be necessary to seek disability insurance benefits. Success with Long-Term Disability Claims Involving Ankylosing Spondylitis Bartolic Law has helped many clients suffering from Ankylosing Spondylitis get their long-term disability benefits paid. Ankylosing Spondylitis claims often get close scrutiny and hostility from insurers because it progresses and is chronic. Thankfully, we have never had a client suffering from Ankylosing Spondylitis need to resort to litigation under ERISA § 502(a) to obtain the client’s long-term disability benefits, meaning we were able to get them all paid in full. In one case, the insurer denied the claim, asserting the client can sit frequently and stand and occasionally walk, permitting sedentary work. Using our multi-faceted approach of medical evidence, credible opinions, and objective testing, we presented an internally consistent demonstration of our client’s inability to sit for more than 20-30 minutes at once, and that the longer the client tried to maintain sitting by changing positions, the shorter the tolerance became. Not long after, the insurer agreed our client was...


> Vice presidents who develop a disability may feel uncertain about continuing their career. Ensure you receive your entitled benefits by calling a Skokie ERISA lawyer promptly.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/vice-presidents/

HIGH-STRESS WORK A physical or mental impairment could require a vice president to take significant time away from work - or to step down from the role permanently. FINANCIAL STRAIN In either case, there will likely be a substantial loss of income, and the need to find a source of financial support. LEGAL HELP A skilled disability benefits attorney can assist you in obtaining the benefits you need during this difficult time. Success with Long-Term Disability Claims for Vice Presidents Bartolic Law helps Vice Presidents, and other upper management employees, secure their long-term disability benefits when they cannot keep up with the job demands any longer. In one case, our client was a Vice President of Design for an architecture and design firm. After years of congestive heart failure and several cardiac events and surgeries, the client’s cardiologist ordered the client to stop working, as the stress of the job increased the client’s risk of another cardiac event. The insurer initially deemed the claim based on another illness, the treatment of which itself exacerbated the cardiac condition, but was not independently disabling. We worked the case up with detailed explanations of the cardiac history and progression, and explained the unreasonable risk of a future cardiac event. We used objective testing and video and image evidence to support the client’s case. In the end, we recovered for the client, equipping the client to put the stress behind, and live in medical retirement with financial security and dignity. People often start at...


> Vascular surgeons have difficult jobs, and many types of disabilities can quickly end a career. If you need to file an insurance claim, call a Chicago disability benefits attorney.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/vascular-surgeons/

MEDICAL PROFESSIONALS Vascular surgeons are medical professionals whose job is to medically treat conditions that impact a person’s blood vessels. They often work with other healthcare providers. PHYSICAL ENDURANCE Along with meeting patients and consulting with them on a regular basis, vascular surgeons are on their feet for a significant period of time doing very tedious work with their hands. BENEFITS DENIAL Chicago disability benefits lawyer Michael Bartolic can help you pursue the private disability benefits that you deserve and appeal a benefits claim denial. Please reach out today to learn how we assist throughout the entire process. How Does Private Disability Insurance Work? The work of a vascular surgeon often involves repairing arteries, blood vessels, and veins and requires a significant amount of precision and concentration. They are responsible for managing vascular system disorders and for performing surgeries and other operations to treat various vascular conditions from which a patient might suffer. In some instances, vascular surgeons and other professionals may find themselves unable to perform their various work duties due to a long-term injury or disability from which they may suffer. This is when private disability insurance may come into play. Private disability insurance works to provide additional coverage than what is normally provided through Social Security disability benefits. Some private disability insurers will allow for various types of coverage for both partial and total disabilities. In short, the main purpose of private disability insurance is to provide some type of income replacement if you acquire a disabling...


> Teachers with a disability or health impairment may need help with benefits due to long hours standing and classroom tasks. Call a Chicago severance benefits lawyer at Bartolic Law.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/teachers/

DEDICATION Teachers are often selfless, dedicated individuals who work long hours and face challenging situations day in and day out for the good of our children and society’s future. SELFLESSNESS This is more obvious than ever after teachers adapted so many times to changing conditions before, during, and after the COVID-19 pandemic. DEMANDING WORK Physical and mental disabilities can often prevent a teacher from performing all their necessary job duties, and the children might even be at risk if an unfit teacher continues to work when they should not. Success with Long-Term Disability Claims for Teachers Bartolic Law has helped many Teachers with long-term disability benefit claims. We have helped Teachers with the benefits under their group long-term disability insurance policies, as well as under the Teachers Retirement System Disability Pension. In a recent case, our client was a Chicago Public Schools Teacher who stopped working after an injury resulting in a concussion and post-concussive syndrome, which aggravated the client’s long-standing Multiple Sclerosis and spinal disorders. The insurer initially denied the claim, and we were able to persuade the insurer the client was disabled from the client’s occupation as a Teacher due to the significant standing and walking required. The insurer then terminated benefits at the transition to “any occupation” disability, contending our client could perform sedentary work. It relied on medical consultants who opined there was no evidence of any neurological deficits to support any restrictions from Multiple Sclerosis, no impact on Activities of Daily Living, and no evidence...


> Surgeons perform dexterous, high-stakes work. If you are unable to do your job fully, a Chicago ERISA appeals lawyer may be able to help you secure the insurance you need.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/surgeons/

HEALTH PROFESSIONALS Surgeons perform various procedures across all areas of the body. They rely on mental clarity to safely and successfully do their job. WORKPLACE COMPLICATIONS Since a surgeon is responsible for someone’s life, they must be physically and mentally sound in order to continue working, which may be impossible in the case of a disability. LONG ABSENCES If a disability puts you out of work, whether temporarily or permanently, seek disability benefits with the help of an attorney to support you during this time. Success With Disability Claims for Surgeons Bartolic Law has helped many doctors get long-term disability claims paid, under Individual Disability Insurance policies, and group long-term disability insurance coverage offered by the employer. In many cases, we advise clients with both, as doctors frequently have both group and Individual Disability Insurance. We have represented all kinds of physicians, including Cardiologists, Anesthesiologists, Gastroenterologists, and more. In one client’s case, we advised the client regarding the disability benefits under the Individual Disability Insurance policy and group long-term disability policy, and helped structure a plan of return to employment in a different role that protected the client from losing rights under any policy and maximized total income. While changing employers is not usually a concern under the Individual Disability Insurance policies, it can trigger a loss of coverage under a group long-term disability policy if your disability earnings exceed a certain threshold. By changing employers, the client would be subject to a pre-existing condition exclusion under a new group...


> Many medical conditions can prevent social workers from working, making disability benefits critical. Discuss an insurance claim with a Chicago disability benefits attorney.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/social-workers/

STRESSFUL ENVIRONMENT Social workers in the Greater Chicago region have very difficult jobs. Their primary function is to assist individuals and families with solving disagreements and problems that they encounter in daily life. EMOTIONAL IMPACTS The sensitive nature of the issues that social workers have to deal with can also take an emotional toll on a social worker’s overall health and well-being. COMPENSATION Social workers who are unable to complete job duties may rely on individual disability benefits, but obtaining these benefits can sometimes be difficult, and the insurance company may attempt to fight back. The Purpose of Having Long-Term Disability Insurance in Place Individuals who work as clinical social workers also diagnose and treat a variety of behavioral, emotional, and mental issues that individuals and families suffer. They must meet with clients on a regular basis, which often involves a significant amount of movement and travel. Many workers think that they will rely upon Social Security disability benefits if their injury or illness suddenly prevents them from being able to work at their occupation. However, that sometimes turns out to be a big gamble. Having private disability insurance coverage in place helps to ensure that you will receive compensation if you are unable to meet the physical demands and limitations of social work. The main reason for having private disability insurance in place as a social worker is so that there is backup coverage in the event you are not eligible to receive Social Security disability benefits under your...


> Sales managers have a lot to complete each day, so if a disability or health condition holds you back, call a Skokie compensation attorney. Bartolic Law can review your case.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/sales-managers-directors/

IMPORTANT ROLE Sales managers and directors have an important role. They oversee a sales team and must make careful decisions as much of the company’s success depends on them. HEALTH IMPAIRMENTS Since a sales manager’s job is highly important, an individual with a disability may be unable to perform his or her job properly. PROTECTING INCOME An inability to work puts your main source of income at risk. An attorney can help you obtain disability benefits that financially support you. Success With Disability Claims for Sales Managers/Directors Bartolic Law Sales Manager and Directors get long-term disability insurance claims paid. Sales Management positions can involve heavy computer work or can involve significant standing and walking due to travel requirements, or both. We have succeeded with both. In one case, our client transitioned from performing construction work to a sales management role in a labor industry. Following an injury, the client developed cervical radiculopathy and Complex Regional Pain Syndrome affecting the client’s arms and hands. The client’s role involved managing sales and accounts from a computer, and made the computer work unbearable. We were able to recover benefits for the client by demonstrating the client’s limitations and their effect on that type of sales role. In another case, a client suffered from Lumbar Radiculopathy and performed a sales management role that involved traveling by car. We were able to demonstrate that the client’s sitting capacity at one time would not be sufficient to withstand the majority of the trip lengths the client...


> Retail work is physically intensive, with sales associates standing and lifting for hours. Work with an Evanston compensation lawyer if you are unable to perform tasks.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/sales-associates/

DIVERSE DUTIES Sales associates often perform a wide range of physically and mentally demanding tasks that require attention to detail and strong focus. JOB DEMANDS Disabilities can prevent sales associates from standing or walking comfortably during the day, or make it difficult to communicate with clients or process information. LEGAL GUIDANCE Obtaining long-term disability benefits as a sales associate can be complex, but a skilled attorney can help you understand the process. Success With Disability Claims for Sales Associates Bartolic Law helps Sales Associates get their long-term disability benefits approved. We have helped countless individuals at every stage of the process, whether making a claim, getting a denial overturned, or filing a lawsuit. Sales Associates jobs usually involve either significant travel, or a considerable amount of work in front of a computer, each of which present their own unique vulnerabilities to certain illnesses or injuries. We have succeeded with both. In one case, our client began a sales role after years in construction following a back injury. The injury eventually led to Cervical Radiculopathy and Complex Regional Pain Syndrome in the client’s arms and hands. The symptoms impaired the client’s ability to work on a computer, which was required for the account management. We helped the client recover by showing the client’s limitations and their effect on that type of sales role. In another case, a client who traveled considerably in Sales suffered from Lumbar Radiculopathy. Most of the client’s destinations were 45–60 minutes away by car or required flying....


> Becoming a rheumatologist takes time and effort, but a disability can derail your work. If you need disability benefits, a Chicago disability benefits attorney can help.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/rheumatologists/

AUTOIMMUNE SPECIALIST Rheumatologists specialize in conditions that affect all the body’s connective tissues. Becoming a rheumatologist can take years of education and training. FINANCIAL INSECURITY When a rheumatologist becomes disabled, the monetary blow can be hard. Most rheumatology professionals protect their income by purchasing long-term disability insurance. DENIED CLAIMS When a disability claim is denied, it can be devastating. Working with an experienced disability insurance attorney in the Chicago area can help you get the disability benefits you need and deserve. Understanding What a Rheumatologist Does Most people will see a rheumatologist at some point in their lives. A rheumatologist is a board-certified physician who has had additional training in diagnosing and treating joint, muscle, and bone diseases such as arthritis, gout, tendonitis, autoimmune conditions, musculoskeletal pain, diseases and conditions, and osteoporosis. After medical school, a candidate must work in a three-year residency program to receive additional training before becoming board certified in their specialty. A rheumatologist has a great deal of direct patient contact. In diagnosing and treating a condition, a rheumatologist may order and review diagnostic imaging scans, may work directly with patients assessing and working with the range of motion of joints, developing a treatment plan, creating medical notes, and assessing how treatments are working overtime. This can involve a great deal of standing, walking, lifting, crouching, and craning of the neck. Like all medical professionals, a rheumatologist sees and works with a lot of patients on any given day. Days are long, and stress levels are...


> If you have a disability as a registered nurse, a Chicago long term disability attorney can help you explore options and secure the benefits you need when unable to work.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/registered-nurses/

HEALTHCARE PROFESSIONALS Registered nurses are healthcare professionals that take care of numerous patients day and night. PHYSICALLY DEMANDING A registered nurse’s job is physically intensive, and they must be resilient both physically and emotionally. WORKPLACE DIFFICULTIES If you are a registered nurse with a disability, discover how you may be able to obtain insurance benefits if you no longer can sustain this physically demanding job. Success With Disability Claims for Registered Nurses Bartolic Law has helped many Registered Nurses with getting long-term disability benefits paid. Whether you need to make a claim, appeal a denial, or file a lawsuit, we can help. In one case, a Registered Nurse battled Hepatitis induced Cirrhosis of the liver for years, having multiple liver transplants. Following the most recent organ transplant, the client’s doctor restricted the client from returning to work, given the medications required were immunosuppressive, and a prior transplant failed. The insurer terminated long-term disability benefits because the client recovered from the procedure, but it disregarded the risk of returning to work and exposure to the public. Working with the client’s treating physician and the client’s family, were able to persuade the insurer of the high risk of yet another organ failure if the client were exposed to the public in a hospital setting. Registered nurses provide patients in many medical environments with the care they need. This hands-on position is vital to the health care system, and RNs must be physically and mentally strong to perform their jobs. If a registered...


> Many different disabilities can disqualify a pilot from their jobs, which means that a disability insurance claim might be necessary. Call a Chicago disability benefits attorney today.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/pilots/

STRENUOUS WORK Being a pilot can be a highly strenuous and demanding job. They need sharp depth perception and enough concentration to handle a console filled with hundreds of buttons for at least 13 consecutive hours a day. WORKPLACE COMPLICATIONS It can be particularly devastating if an illness befalls a pilot and prevents them from performing their rigorous duties. They may wind up temporarily or permanently out of commission. DEPENDABLE GUIDANCE Regardless, you may wonder what the best possible avenues to move forward are. Find out why pilot disability insurance is your best bet and why you should work with a disability insurance attorney. Success With Disability Claims for Pilots The FAA requires that all pilots must pass a medical certification to be allowed to fly; if a disability or any other factor deters them from meeting those requirements, then the pilot may be suspended from flying. During this time, they may miss out on the chance to earn a steady income and make ends meet, which is where the need for pilot disability insurance comes in. Although their work may have stopped, bills, taxes, rent, and mortgages aren’t going to stop. If you’re a pilot who was temporarily disabled from flying, then you could be eligible to receive monthly disability benefits for up to 60 months or five years. Ideally, these monthly benefits will be equivalent to at least 60% of your pre-tax income or what would have been your take-home pay. This type of coverage is available for...


> Physicians have an important job, so when injured or disabled, they may be unable to complete routine tasks. Talk to a compassionate Chicago compensation lawyer if coverage was denied.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/physicians/

ATTENTIVE WORK A physician’s job requires careful attention, since the physician’s headspace can impact his or her patients. MEDICAL CONDITION When a physician develops a medical condition that prevents them from continuing their work as usual, they should recognize the possible consequences on their patients. FINANCIAL SUPPORT Losing your career is never easy, but with the help of an attorney, you can recover disability benefits to provide support during such a stressful and uncertain time. Success With Disability Claims for Physicians Bartolic Law helped many Physicians get their long-term disability insurance paid, under both group policies offered through their employers, and under individual policies supplementing the group coverage. In one case, a client worked as an Anesthesiologist. After recovering from a cardiac event, the client never regained the stamina for full-time clinical practice. After the insurer terminated benefits due to recovering from the cardiac event, we were able to persuade the insurer that the residual reduced capacity and stamina not only physically rendered the client unable to work full-time, but also caused the client to make more mistakes, which would place patients at risk if the client kept working. In another case, our client was a clinical and academic Gastroenterologist and suffered from Cervical Radiculopathy. Despite surgical intervention, the client still had lasting limitations in mobility of the client’s upper extremities and neck, which made the client unable to perform various procedures that make up a large portion of clinical practice. We documented the medical limitations, and also used CPT...


> Working as a pharmacist requires standing and memory use, which isn’t always possible with a disability. An Oak Park long term disability attorney helps explore compensation.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/pharmacists/

RIGOROUS PROFESSION Pharmacists go through years of studying to earn their title, so you’ll want a plan in place to protect your income following a disability. WORKPLACE DIFFICULTIES In some cases, pharmacists develop health conditions that cause disability, which can stop them from being able to work. FIND SUPPORT If you can no longer work, don’t wait to speak with an attorney who can help you file a disability benefits claim. Success With Disability Claims for Pharmacists Bartolic Law helps pharmacists get their long-term disability claims approved. We have helped at all stages of the process, including making the claim, appealing a denied claim, and filing lawsuits over denied long-term disability benefits. In one case, a client worked as a clinical pharmacist and had to stand and walk the majority of the day. When the client’s fibromyalgia became worse, the client claimed long-term disability. The administrator contended the client worked for years while having fibromyalgia, so the client should not be disabled. We detailed the history of treatment and decline in functioning, as well as got doctors to explain the symptoms’ increase in severity over time. We also attended an Independent Medical Examination with the client to mitigate the IME’s attempt to force the client to sit in the waiting room for hours after the appointment should have started. After the process, the administrator approved the client’s claim, and we have kept it in pay status ever since. Pharmacists are an important part of our healthcare system, and they go...


> Health care occupations often involve long days on your feet, like orthopedic physicians. Call an Oak Park ERISA appeals lawyer if you can’t handle the physical demands of your job.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/orthopedic-physicians/

HEALTH EXPERTS Orthopedic surgeons and physicians specialize in the musculoskeletal system. They have an extremely thorough understanding of the interconnectedness of the human body. IMPORTANT CAREER With over 200 bones and over 600 muscles in the body, orthopedic physicians need to understand how to diagnose, treat, cure, prevent, and operate on a very wide range of issues. EMPLOYMENT DIFFICULTIES If you’re an orthopedic surgeon or physician, then you probably understand far too well how quickly and easily things can go awry, especially if you have a disability. Success With Disability Claims For Orthopedic Surgeons Disabling illnesses and injuries can strike from all manner of angles, and not even those who treat them are fully immune. But whether it forces you out of work temporarily or permanently, you’ll still need to find ways to sustain yourself (and likely other loved ones) through that time. Find out why disability insurance is your best bet for that, and what you should do in the event that your claim is delayed or denied. If you work at a mid-to-larger-sized practice, then it’s likely that you already receive some disability insurance benefits from being employed there. If you don’t receive those employer-provided benefits, then you may want to consider getting them through an independent insurance agent or directly from the insurer. Before committing to any one option, though, consider the following factors carefully. Will the plan be accommodating to your situation? Will its definition of “disability” include yours? How long will you have to wait...


> Optometry requires constant use of hands and long periods of sitting, so if you were injured or disabled, a Chicago compensation lawyer ensures you get the coverage you need.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/optometrists/

EYE SPECIALISTS Optometrists stand on the front lines of all things concerning our sight. They seek to treat, diagnose, and prevent injuries and illnesses of the eyes. HANDS-ON WORK It is a very hands-on and detail-oriented job, and one which unfortunately may be impeded by injury and illness. DISABILITY BENEFITS If you’re an optometrist who suffered a disabling condition that prevents you from working, the first thing you should do is attempt to claim disability insurance benefits. Success With Disability Claims For Optometrists Optometry is a very high income-generating profession ($118,050 median salary, per the Bureau of Labor Statistics), which makes it all the more important to safeguard and secure that income. That is where the necessity for disability insurance benefits comes in. Whether you’re getting it through your employer or out of work, in the short-term or long-term, or as a group plan or solo plan, it’s important to remain insured in some capacity. As you spend the majority of your time off the clock, odds are higher that a disabling illness or injury would occur out of work than in an optometry office. “Accident only” or basic workers’ compensation plans usually only cover illnesses and injuries on the job. Ironically, there’s a not so statistically insignificant chance that optometrists could end up being impeded by the very disorders they treat. The CDC has ranked vision problems among the top 10 disabilities that adults aged 18 and older suffer, and they project the rates of these problems to nearly...


> Working as an oncologist requires long hours performing research, exams, and other intensive tasks. If disabled, speak with a Chicago compensation attorney to secure your benefits.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/oncologists/

HEALTH PROFESSIONALS Oncologists work on the front lines of treating cancer and improving the lives of those who suffer from it. PRESTIGIOUS CAREER They often have to undergo eight years of schooling, as well as three to seven years of internships, and often must directly deal with mortality. MONETARY SUPPORT If you’re a Chicago-area oncologist that has health issues, find out how disability insurance can help you through this difficult point in your life. Success With Disability Claims for Oncologists According to the National Institute of Health, a little over one in three men and women (39. 5%) are expected to be diagnosed with cancer at some point in their lifetimes. Although the NIH also found that the cancer fatality rate has dropped over 27%, it can still be an extremely devastating, debilitating condition to reckon with, both physically and psychologically, and both for patients and their loved ones. Unfortunately, oncologists aren’t invulnerable to this mortality either. Whether it stems from one of the diseases they treat or another unfortunate predicament, an illness or injury could pull them away from their work, either temporarily or permanently. The fundamental purpose of disability insurance is to serve as income protection in the event that you’re unable to bring in income. Injury, physiological illness, and mental illnesses are all things that could negatively impact a person’s ability to work, and subsequently, their ability to sustain themselves. Even if your career is only temporarily being placed on hold, your bills, taxes, and income won’t...


> Office managers work hard for their employees, so if they become physically or mentally unable to continue working, speak with a Chicago long term disability lawyer about coverage.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/office-managers/

OFFICE MANAGEMENT As an office manager, you’re tasked with various issues everyday all while overseeing the work of multiple employees. EMPLOYMENT OBSTACLES After completing years of hard work to finally be promoted as a manager, you likely feel saddened if you cannot work due to a medical condition. FINDING SUPPORT Office managers who can no longer work often seek disability benefits with the help of an attorney. Success With Disability Claims for Office Managers Bartolic Law helps Office Managers when disability gets in the way of their jobs. We help get long-term disability insurance benefit claims paid, and have worked on them at every stage. Whether you plan to make a claim, have a denied claim, or had your appeal denied and need to file a lawsuit, we know how to help. Office Managers, more so than other professions, often continue working during disability in hopes of regaining functionality, until they finally realize the condition is not going to improve. The biggest challenge they face is that insurers often use that against the claimant, contending the condition is not disabling if you were able to work through it for some time. In these cases, we build a rich history of treatment and symptomology, and get as much corroborating evidence as possible, including from witnesses, to explain the duration of the struggle. In one such case, we also utilized functional capacity testing to rebut the insurer’s suggestion the client was able to work with the symptoms, as objective measurement of the...


> Many nurses develop physical or mental disabilities that prevent them from caring for patients, and they need disability benefits. Call a Chicago disability insurance lawyer today.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/nurses/

DEMANDING WORK Nursing is a physically intensive profession that involves extended periods on their feet while caring for multiple patients at all hours of the day. EMPLOYMENT DIFFICULTIES Considering the amount of time a nurse spends doing physical tasks, there are many illnesses or disabilities that can permanently affect his or her ability to work. BENEFITS CLAIMS If you’re unable to complete your duties as a nurse, an attorney can help you ensure you get the benefits you need. Success With Disability Claims for Nurses Bartolic Law has helped countless Nurses get their long-term disability insurance claims approved. In one case, a client suffered from Hepatitis induced Cirrhosis of the liver, and had a second liver transplant. After the procedure, the insurer denied long-term disability contending the client was functionally capable of returning to work. But the client required ongoing treatment with medication to help the client’s body accept the transplant, which was highly immunosuppressive. We were able to persuade the insurer that due to the high risk of contracting illnesses in clinical medicine, and the client’s immunosuppressive state, the risk of disability rendered the client legally disabled under the policy. In another case, a client suffered from cervical radiculopathy and could no longer move patients as required. When the insurer terminated benefits contending the client could perform other forms of sedentary nursing, we demonstrated the lack of availability of those jobs and their low supply creates requirements for qualification not accurately reflected in the Dictionary of Occupational Titles. As...


> If you are a network engineer denied your entitled benefits, call our Glenview ERISA lawyer to fight your claim. Bartolic Law advocates for clients facing benefits denials.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/network-engineers/

NETWORK SPECIALISTS Network engineers are responsible for monitoring and troubleshooting network issues for commercial and residential clients. STRESSFUL ENVIRONMENT A network engineer’s job consists of technical work involving strong mental acuity and attention to detail. DISABILITY COVERAGE When you face a physical or mental disability that makes your work as a network engineer, you may be entitled to disability benefits. Success With Disability Claims for Network Engineers Bartolic Law helped many Network Engineers, and other IT Support Professionals, get their long-term disability benefits paid. In one case, our client suffered from Parkinson’s Disease, and worked a demanding job as a Network Engineer. When the client’s stiffness in arms and hand tremors increased, the client struggled to keep up with project assignments. Even a work-from-home arrangement did not help, because the symptoms affected the client’s ability to spend the required number of hours working on a computer. The worse the symptoms got, the greater the client’s level of fatigue, too. The same insurance company insured short-term disability and long-term disability benefits. Despite initially finding the client disabled on short-term disability, the insurer terminated the benefits, contending the condition improved. Parkinson’s Disease, however, never improves, as it is chronic and progressive. We carefully collected years of medical treatment records and demonstrated how the repeated references to rigidity and tremors, coupled with the type of tremor, made it impossible to consistently work on a keyboard. Ultimately, the insurer agreed our client was disabled and paid the claim. Most businesses - and even some...


> Lawyers often complete field work requiring long hours, which may be impossible with certain disabilities. Get your Chicago long term disability benefits—contact Bartolic Law.

- Published: 2021-05-26
- Modified: 2026-06-23
- URL: https://www.chicagodisabilitylawyers.com/occupations/lawyers/

LENGTHY TRAINING Attorneys go through three additional years of schooling and a grueling bar exam just to be able to start their careers, and then they might work long hours to establish themselves. DON’T DELAY If you have disability insurance coverage, you should not wait to file a claim after learning about your disabling condition. This is partly because the claims process can take much longer - and be more challenging - than you might think. EXPERIENCE MATTERS Even if you’ve dealt with difficult clients and adversarial insurance companies as part of your practice, disability insurers have highly specific standards, so you want to seek representation from a Chicago disability claims lawyer right away. Success With Disability Claims for Lawyers Trust us, we understand exactly how much work it takes to build a law practice because we have done it ourselves. In an instant, however, an accident or medical diagnosis of a disabling condition can undo all of your hard work. Many types of disabilities make it impossible for lawyers to provide the quality of representation that their clients need and deserve, but what can you do to ensure you have financial stability if you can no longer practice law? SUCCESSES Ferrin v. Aetna Life INS. CO. Ferrin v. Aetna Life Ins. Co. , 336 F. Supp. 3d 910 (N. D. Ill. Sept. 28, 2018) (holding insurance policy’s grant of discretionary authority is void under Texas law due to certificate being issued after effective date of regulation, and policy renewing...


> Some IT support professionals have their careers suddenly ended because of disability, and they need insurance benefits for financial support. Call a Chicago disability insurance lawyer.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/it-support-professionals/

TECHNOLOGY SPECIALISTS IT support professionals are specialists who regularly do lots of work with their hands and spend long hours at a desk. DENIED BENEFITS Since an IT support professional’s work generally consists of deskwork, disability claims may be denied based on incorrect assumptions about a person’s physical capabilities related to their job. LEGAL SUPPORT If you’re unable to work as an IT support professional due to an illness or disability, an experienced attorney can help you pursue the benefits you need. Success With Disability Claims for IT Support Professionals Bartolic Law helps IT Support Professionals when they need support. We have helped individuals making long-term disability claims, appealing denied disability claims, and litigating denied long-term disability claims. In one case, our client suffered from bilateral epicondylitis, cubital tunnel syndrome, and carpal tunnel syndrome, after decades of heavy computer work in IT. The client tried multiple treatment modalities to no avail. When the insurer denied our client’s long-term disability claim, the client called Bartolic Law for help. We created a record of attempts at every method of available treatment for the conditions, and got the client’s doctors to explain the treatment history and failed attempts to alleviate the client’s pain. We also obtained an upper-extremity specific functional capacity evaluation that measured the client’s ability to perform the types of tasks specific to computer work. We demonstrated such an occupation could not be modified with any speech recognition tools, due to the nature of the software programs used in IT Support....


> Working as an invasive cardiologist requires precision and dexterity, which may be difficult with a health condition. Seek insurance benefits with a Chicago ERISA appeals lawyer today.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/invasive-cardiologists/

HEART SPECIALISTS Invasive cardiologists specialize in conditions of the heart. They perform surgeries and other life-saving procedures to help those with heart abnormalities. CAREER UNCERTAINTY When an invasive cardiologist is diagnosed with a physical or mental disability, their career is often on the line as they may be unable to work. BENEFITS DENIED Even if you file for disability benefits, your insurance provider may reject your claim. Contact an attorney right away to fight the claims denial. Success With Long Term Disability Claims for Invasive Cardiologists Bartolic Law helps Cardiologists with their long-term disability claims, and strategically planning their existing and future claims. Whether you have an Individual Disability Insurance policy, group long-term disability insurance coverage through an employer, or both, we can help. Cardiologists often have group coverage, and a supplemental Individual policy, and they have unique features to mind. One client contacted us after already having a disability claim approved. The client contemplated changing employers to work in a non-clinical role, being disabled from clinical work as a Cardiologist. While Individual Disability Insurance policies follow you from one employer to the next, a group policy is tied to a specific employer. Accepting a job beyond a certain earnings threshold, even if you cannot sustain the work, could jeopardize the coverage from a former employer’s policy. We advised the client on strategy on how to maintain protection from the group policy even if changing employers, as a new employer’s policy would contain a pre-existing condition exclusion. When you decide...


> If your career in human resources is halted by a mental or physical disability, you need to start receiving benefits right away. A Chicago disability insurance lawyer can help.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/human-resources-professionals/

DEMANDING CAREER Working as a human resource professional involves numerous skills, including managing a team of employees and addressing their concerns. HEALTH CONDITIONS HR professionals who develop health conditions may face job uncertainty as they are physically or mentally unable to complete their required workloads. DISABILITY COVERAGE Some HR professionals choose to pursue disability benefits when they are no longer able to keep up with their work-related duties. Success With Disability Claims for Human Resources Professionals Bartolic Law helps Human Resources Professionals when they face the very obstacles they often see other employees face with long-term disability claims. We have worked with clients in making an initial claim, appealing a denied claim, or even litigating a long-term disability denial. Human Resources Professionals are often ambitious, and continue working a long time through illnesses that eventually become disabling. In one case, a client was a Director of Human Resources and worked for years until symptoms of numerous conditions caused too much impairment to the client’s ability to meet the physical and cognitive demands of the work. The client tried numerous forms of treatment, but eventually the treatment could not sufficiently control the symptoms. The insurer denied the claim, using the client’s own will to work for years with the illnesses against the client, arguing the client’s condition had not sufficiently worsened. We used a multi-faceted approach, combining medical evidence, medical opinions, objective functional capacity testing, and image evidence. In the end, we were able to recover for the client. Human resources...


> As a flight attendant, you know the physical demands of your job. If a health condition makes standing difficult, call a Chicago compensation attorney at Bartolic Law.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/flight-attendants/

EXCITING CAREER Flight attendants are responsible for various tasks as they provide a positive experience for passengers on an airplane. DREAM JOB If you’re a flight attendant, you’ve likely dreamed of such a career since you were young. Having that career taken away following a disability can be devastating. FINDING SUPPORT When you’re disabled and unable to continue working as a flight attendant, don’t wait to file a disability claim. Success With Disability Claims for Flight Attendants Bartolic Law helps Flight Attendants get their long-term disability insurance benefits paid. No matter where you are in the process, we can help. Recently, a former flight attendant called us after an insurer terminated long-term disability benefits several years into paying the client. The timing coincided with when the client’s workers’ compensation benefits expired, thus increasing the disability insurance company’s required payment to the client. The client fully appealed the benefit termination, and needed to file a lawsuit. The client had severe spinal degeneration, underwent multiple spinal fusion surgeries, and still required maximal doses of narcotic pain medication to alleviate the pain. Multiple such surgeries also severely limited the client’s range of motion. In court, we first had to battle the insurer to establish the true terms of the insurance coverage. Once we accomplished that, it changed the way the court would view the evidence in our client’s favor. We were then able to discredit the insurer’s medical opinion, resulting in victory for our client. Many young children dream of flying the skies...


> Financial managers must complete long hours of desk work, which can be difficult if a health condition affects your back or wrists. A Chicago compensation lawyer can help get benefits.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/financial-managers/

FUTURE ORIENTED A financial manager’s job is to provide advice to help others achieve their financial goals, and they complete detail-oriented work. CAREER STABILITY After being diagnosed with a disability, a financial officer’s future may be uncertain if they can no longer work. INSURANCE PROVIDER Getting disability benefits from your insurance provider may be difficult, but an attorney can guide you through the process. Success With Disability Claims for Financial Managers Bartolic Law helps Financial Managers and Advisors recover their long-term disability insurance benefits. Whether your coverage is under your employer’s group long-term disability insurance, your own Individual Disability Insurance policy, or both, we can help you through the process. In one client’s case, our client suffered from cervical radiculopathy and arthritis, interfering with the client’s ability to perform any work on a computer. Given how much of the work was done on a computer, the client could not maintain the required level of workload to produce as necessary. Using a detailed vocational analysis, we persuaded the insurer the client could not perform the required elements of the occupation. We also were able to demonstrate that given the client’s earnings level, the client would not be able to meet the insurance policy’s required wage level in any different occupation that could accommodate the client’s limitations. We’d love to help you, too. Financial managers get paid to make decisions and provide advice regarding other people’s financial pictures. Often, these managers use their tactics to build their own financial futures. No matter...


> As a physically intensive and highly stressful job, ER doctors may struggle, particularly if they have a disability. Call our Evanston ERISA appeals lawyer today.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/er-doctors/

DEMANDING WORK An ER doctor’s job involves intense, demanding work as they quickly diagnose and perform life-saving medical procedures all hours of the day. STRESSFUL POSITION Working as an ER doctor is rewarding yet often stressful, and due to the nature of this career, a disability can put them out of work. SEEKING BENEFITS Many ER doctors will feel devastated if they cannot continue working due to a health condition or disability, so they seek benefits with an attorney. Success With Long Term Disability Claims for ER Doctors Bartolic Law has worked with many kinds of Physicians in pursuing long-term disability insurance claims, advising them on their rights and obligations under the policies, and strategic planning during disability to maximize overall income and preserve the policies’ protections. In some cases, we worked with the client in structuring the claim, as accurately documenting a doctor’s duties and tasks often involves review of historical billing and procedure codes. We have challenged denials and adverse decisions based on whether the client was disabled, or the amount of the benefit. We have also advised physicians on disability contemplating a return to work in a reduced capacity or different role, protecting as much of the client’s future income as possible. In one case, we worked with a physician who had become disabled and wanted to accept a new role in research, instead of clinical practice. Because changing employers would subject the client to a new policy’s pre-existing condition exclusion for 12 months, we advised the...


> Many different disabling conditions can prevent engineers from working and earning a living as they once did. If you need to file a claim, call a Chicago disability insurance lawyer.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/engineers/

TECHNICAL PROFESSION Engineers are responsible for designing and building various infrastructure that we use every day. Becoming an engineer requires years of education and experience. LONG WORKDAYS Engineers often work long days that consist of fieldwork and highly technical tasks, so if a worker is facing a mental or physical impairment, it can pose a challenge. INSURANCE BENEFITS If you are an engineer who cannot keep up with your workload due to a disability, contact an attorney right away to claim your entitled benefits. Success With Disability Claims for Engineers Bartolic Law helped many Engineers get their long-term disability benefits paid. We use our experience and knowledge of the unique demands of this occupation, and knowledge of the illnesses and injuries that more severely impact Engineers to demonstrate their inability to perform the occupation, or other occupations. In a recent case, we demonstrated a Network Engineer suffering from Parkinson’s Disease could not maintain the necessary fine motor functioning to perform the necessary computer work. We used diagrams of the type of tremor the client experienced to show how that particular tremor would affect working on a keyboard and mouse. In another recent case, we helped an Engineer make an initial claim. The client’s concern was experiencing an interruption in income by an insurer’s delay or denial. We guided the client through giving the insurer prompt notice of the claim, and providing all necessary proof, to ensure the client got the benefit paid as early as possible. Engineers are highly talented...


> Dentists must meet many requirements and build their practices, and a disability can derail that work. If you need to file a claim, call a Chicago disability benefits attorney.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/dentists/

STATISTICS According to the American Dental Association, around 1 out of 4 dentists will be disabled long enough to qualify for benefits. COVERAGE Dentists may be entitled to certain disability coverage, yet many do not receive their rightful benefits due to misleading policies. CLAIM YOUR BENEFITS Bartolic Law assists Chicago-area dentists misled by a poor disability policy. Let us assist you in claiming your benefits. Why Do Dentists Need Disability Insurance? After many years of school and practice, there are many reasons why a disability might keep a dentist from working. Find out how disability insurance benefits could help you with that, and why you should work with a trusted disability insurance attorney to make the most of those benefits. It’s an unfortunate fact of life, but aging will inevitably leave us more vulnerable to suffering illnesses, injury, and subsequent disability as a result. Of course, we all want to do everything in our power to minimize how hard life’s curveballs hit us, but they’ll inevitably be thrown at some point. And before they’re thrown, it’s best to be prepared and have your catcher’s mitt ready to brace for impact. Dental healthcare is a profession that requires very precise, very careful, and very impeccable handiwork. Suppose an illness or injury prevents you from performing that kind of physical handiwork. In that case, it’s helpful to have a contingency plan implemented that will keep you afloat, even if you lose wages that you would’ve been able to make otherwise. Disability insurance...


> Operating a delivery service can be physically taxing if you cannot sit or lift heavy objects. Explore benefits with a Chicago retirement plan benefits lawyer at Bartolic Law.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/delivery-service-drivers/

SERVICE INDUSTRY A delivery service driver’s role is to provide convenience to customers by delivering their orders from various stores or restaurants. MEDICAL REQUIREMENTS In order to be qualified to drive large delivery vehicles, you have to meet certain health requirements. INELIGIBILITY If you have a disability or health condition that prevents you from working as a delivery service driver, you may lose your job and need to rely on disability benefits. Success With Disability Claims for Delivery Service Drivers Bartolic Law has helped drivers, including those with a Commercial Drivers License, obtain long-term disability benefits. In one case, we helped a commercial driver whose long-term disability claim got denied by the insurance company. The client suffered from advanced diabetes and experienced nerve damage in the client’s extremities. The client lost a commercial driving license, prompting the insurer to deny the claim. Most policies state that one cannot be disabled due to loss of a license required to work in the occupation. In handling the appeal, we were able to demonstrate that the reason the client could not maintain the license was due to the nerve damage, which rendered the client unable to drive commercially. In essence, the disability was not caused by the loss of the license, but the loss of the license caused by the disability. The COVID-19 pandemic only increased the number of people ordering items, groceries, or to-go food from various websites, and delivery service drivers are working harder than ever to make all of these...


> Construction workers face daily dangers and perform heavy physical work for hours. If you are unable to work, discuss benefits with a Chicago retirement plan benefits lawyer.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/construction-workers/

ESSENTIAL WORK Construction workers do a wide range of activities involving the repair and creation of various infrastructure. HAZARDOUS INDUSTRY A construction worker’s job involves lifting heavy objects and navigating dangerous areas around buildings and roads that are being worked on. WORKPLACE OBSTACLES Due to the physical work required, a construction worker who is disabled likely cannot continue working and may require disability benefits. Success With Long Term Disability Claims for Construction Workers Bartolic Law has helped many different kinds of construction workers get long-term disability insurance and disability pensions paid. We have helped at every stage, including making the claim, appealing a denied claim, and filing a lawsuit. In one case, we took over the case after another firm did not succeed, but would not litigate the case. Our client was a machine operator, covered by the Midwest Operating Engineers pension and welfare funds. The pension fund paid him a disability pension for a few years for being disabled from working as an Operating Engineer, but refused to pay the All Work disability benefits, despite the client being awarded disability benefits by the Social Security Administration. The fund took the position that if any of its members had sedentary capacity, the member was not disabled from all work. The analysis did not take into account whether the member could qualify for work in a sedentary capacity. We took the case all the way to judgment and secured the win for our client. After that, the same fund approved other...


> Chiropractors need many physical and mental abilities to perform their jobs, and many disabling conditions can keep them out of work. Call a Chicago disability benefits attorney.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/chiropractors/

ESSENTIAL SERVICE Chiropractors perform a very important public service, helping patients recover from grueling, debilitating back pain that may be keeping them out of work and keeping them from fully enjoying life. INCREASED RELIANCE According to findings published by Health Services Research, roughly 7. 5% of U. S. adults rely on chiropractors to treat their back pain, a number that increased by 57% from 2000 to 2003. National chiropractic expenditures increased 56 percent. PURSUING BENEFITS If you or a loved one is a chiropractor that suffered a disability, move forward alongside an attorney. Learn why you should seek disability insurance and how to make the most of those disability benefits. How Does Insurance Work With Chiropractors? Chiropractors perform a very important and highly valued public service. But what happens when a chiropractor is afflicted with debilitating pain themselves? How will they be able to maintain a living and stay afloat? As they make a $70,720 median pay (per the BLS), income protection should be a very high priority for chiropractors. A disabling illness or injury could throw your budget drastically out of sync, and that’s when you would want to seek disability benefits to recoup the lost income that you would have made had you been able to work. If your chiropractic practice offers employee benefits and insurance for working there, then you won’t want to hesitate to take advantage of those benefits. Likewise, if your enterprise doesn’t offer any benefits, then you’ll want to seek your plan independently, whether...


> If you suffer from chronic pain as a childcare worker, you may have trouble completing work tasks. Discover if you’re eligible for benefits with an Evanston ERISA attorney.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/childcare-workers/

CHILDCARE RISKS Childcare workers face many health risks, including infectious diseases and potential injuries while looking after unruly children. These conditions may temporarily or permanently put you out of work. WORKPLACE POLICIES Many childcare facilities have injury policies in place for their employees, as workers are about as likely to suffer injuries than those in other industries. DISABILITY COVERAGE If an illness or injury forced you out of childcare work, take the next steps. Consider seeking disability insurance and learn what you should do if that disability insurance isn’t adequately helping you. Disability Insurance For Childcare Workers Unfortunately, the caretakers may sometimes find themselves in need of urgent care. When working in child care, you may run the risk of injury, as you may have to run around with kids who are unruly or may risk tripping while playing sports or other games. Moreover, since you may be sharing lots of toys, board games, art supplies, and electronics, there’s a genuine risk of infectious disease transmission in childcare settings. Although the World Health Organization lists non-communicable diseases as the top 7 out of 10 leading causes of death and disability, infectious diseases still shouldn’t be taken lightly, especially right now amid the era of COVID-19. Even being forced out of work for a few days could mean the difference between whether or not you make certain expenditures. This applies doubly so to fields like childcare: with a BLS median salary of just $25,460 per year, childcare workers face a particularly...


> Cardiac surgery is a physically intensive job requiring standing and hand dexterity. If a disability prevents you from working, a Chicago ERISA lawyer can help pursue your benefits.

- Published: 2021-05-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/occupations/cardiac-surgeons/

HEART EXPERTS A cardiac surgeon specializes in surgeries of the heart and its valves. They go through extensive schooling and training to accomplish this work. STRESSFUL CAREER A cardiac surgeon’s job requires careful precision as they are responsible for their patient’s wellbeing, so working with a mental or physical disability can be impossible. WORK ELIGIBILITY Stopping your work as a cardiac surgeon can create stress in your life, so pursue disability benefits as means of financial support. Success With Disability Claims for Cardiac Surgeons Cardiac surgeons often demand high salaries, which makes sense due to the extensive education and training they need, as well as the high-stakes work environment they face every day. As this type of surgeon, you quite literally have the lives of others in your hands, and if something impacts your ability to bring your top performance, you often cannot continue performing surgeries. Having to stop your employment as a cardiac surgeon due to a disability can be devastating, and then you have the matter of losing your income on top of it. It is critical that you secure disability benefits from your insurer as soon as possible to minimize the financial impact of your disability. Unfortunately, your disability insurer might not be so willing to grant you benefits in a timely manner. While you have knowledge of cardiac surgery, a Chicago disability benefits attorney will have knowledge of how insurance claims work and how to stand up for your rights as a claimant. Allow us to...


> Banking professionals face physical and mental roadblocks at work, some of which may warrant compensation. Call a Chicago long term disability attorney today.

- Published: 2021-05-26
- Modified: 2026-06-15
- URL: https://www.chicagodisabilitylawyers.com/occupations/banking-professionals/

COMPLEX WORK Banking professionals complete complex, detail-oriented work every day while on the job. WORKPLACE OBSTACLES For banking professionals who have a mental or physical disability, working long hours and completing their highly-regulated tasks can be challenging. FINANCIAL SUPPORT Banking professionals can find financial support through their disability benefits, which can be obtained alongside an attorney. Success With Disability Claims for Banking Professionals Bartolic Law helps banking professionals recover their long-term disability insurance benefits. Whether you have an individual policy or receive group long-term disability insurance coverage through your employer, we can help. We helped numerous bankers in client-facing roles who suffered from various illnesses that impacted their ability to stand and walk as required for the job. In one case, our client provided critical infrastructure support for the banking business, and suffered from debilitating cervical radiculopathy and arthritis. The client could not keep up with the demands of the necessary work on computers and servers to maintain competitive employment in the field. We were able to show the client qualified for occupational disability. Subsequently, we were able to convince the insurer that due to the client’s high earnings, the client could not obtain the required wage in a substitute occupation, either, qualifying the client for “any occupation” disability. While we wish fewer people have these sorts of disability insurance disputes, we are proud to help banking professionals put these troubles behind them, and focus on their health. Our society relies on bankers to issue mortgages and other forms of...


> Injured bank tellers may need to work with a Chicago ERISA attorney to receive compensation for an inability to work. Contact Bartolic Law right away.

- Published: 2021-05-26
- Modified: 2026-06-15
- URL: https://www.chicagodisabilitylawyers.com/occupations/bank-tellers/

IMPORTANT PROFESSION Bank tellers are responsible for many important transactions and calculations, as well as managing money and other documents. WORK COMPLICATIONS In the case of a disability, a banking professional may be unable to complete their routine work, especially since it involves concentration. DISABILITY CLAIMS If you cannot complete your work as a bank teller due to a disability or chronic pain, call an attorney to discuss the possibility of disability benefits. Success With Long Term Disability Claims for Bank Tellers Bartolic Law helps Bank Tellers recover their long-term disability insurance benefits. Whether you have an individual policy, or receive group long-term disability insurance coverage through your employer, we can help. We helped numerous bankers in client-facing roles who suffered from various illnesses that impacted their ability to stand and walk as required for the job. In one case, our client provided critical infrastructure support for the banking business, and suffered from debilitating cervical radiculopathy. The client could not keep up with the demands of the necessary work on computers and servers to maintain competitive employment in the field. We were able to show the client qualified for occupational disability. Subsequently, we were able to convince the insurer that due to the client’s high earnings, the client could not obtain the required wage in a substitute occupation, either, qualifying the client for “any occupation” disability. While we wish fewer people have these sorts of disability insurance disputes, we are proud to help put these troubles behind them, and focus...


> Working as an anesthesiologist involves intensive tasks. When injured, continuing your career can seem impossible. Call a Chicago retirement plan benefits claim attorney today.

- Published: 2021-05-26
- Modified: 2026-06-15
- URL: https://www.chicagodisabilitylawyers.com/occupations/anesthesiologists/

IMPORTANT JOB Anesthesiologists play an important role in the medical field. They ensure anesthesia is administered correctly on an individual basis. CAREFUL WORK An anesthesiologist’s job must be done correctly since too much or too little anesthesia can have major consequences on the patient. WORK ELIGIBILITY Considering the amount of attention to detail needed for this career, individuals with disabilities compromising their ability to concentrate may be put out of work. Success With Disability Claims for Anesthesiologists Anesthesiologists are critical to the healthcare system as they make it possible for patients to undergo surgeries and other procedures. This medical practice area involves carefully assessing each patient’s situation and making numerous decisions regarding the right type and dosage of anesthesia that is appropriate for a given situation. This is a high-risk profession, as many anesthesiologists face malpractice allegations when something goes wrong. It is important for everyone involved that anesthesiologists are at the top of their game whenever they are working with patients. Anesthesiologists need to be cognitively sharp, as well as have full functioning and control of their hands, as they must inject anesthesia into patients. Many factors can lead to mistakes, including fatigue, intoxication, or disabilities. If you are diagnosed with a physical or mental disability, it can often impair your ability to continue working as an anesthesiologist. You might need to take several weeks or months off, or it might be possible that you can never work in this profession again. When this happens, you can lose significant...


> If you have a disability as an airline worker, you may have trouble handling your job tasks. With a Chicago compensation attorney, it may be possible to get compensation. Call today.

- Published: 2021-05-26
- Modified: 2026-06-15
- URL: https://www.chicagodisabilitylawyers.com/occupations/airline-workers/

FAST-PACED Whether they’re a flight attendant, pilot or ramp specialist, an airline worker’s job is fast-paced and requires physical tasks. PHYSICAL ABILITY Due to the physical requirements that come with being an airline worker, a patient may be unable to complete work-related duties in the case of a disability or illness. INSURANCE COVERAGE Don’t panic if you are unable to continue your career. Talk to an attorney about how you can obtain your entitled disability benefits. Success With Disability Claims for Airline Workers The air travel industry is one that many people want to work for, and there are many different jobs available. Airline workers might be pilots, flight attendants, desk attendants, luggage or ramp specialists, and more. When it comes to working for an airline, it is critical that everything goes as it should and all rules and regulations are followed to keep others safe. It’s a fast-paced industry, and bringing your best to the table is important every day of work. So what happens when you are diagnosed with a disability that threatens your ability to do your job? Many different types of disabilities - physical or mental - can impact your ability to perform the work needed for your airline position. If you report to work and you do not have full capabilities, someone could get seriously hurt. If you cannot work, however, how are you going to pay your bills and cover your expenses? If you have disability insurance, you can file a claim with your...


> If you are an administrative assistant, you’re well-aware of the possible injuries you may face on-the-job. A Chicago ERISA lawyer can clearly explain your rights. Call us today.

- Published: 2021-05-26
- Modified: 2026-06-15
- URL: https://www.chicagodisabilitylawyers.com/occupations/administrative-assistants/

DIVERSE DUTIES Administrative assistants are often in charge of organization, scheduling, client communications, and much more on behalf of another professional. DEMANDING WORK Working as an administrative assistant can be a high-demand job, as you may assist one high-level employee or an entire department with various tasks. CLAIM ASSISTANCE Proving that a condition, illness, or injury prevents you from working as an administrative assistant can be tough, but a skilled attorney can help. Success With Disability Claims for Administrative Assistants Administrative assistants serve a critical supportive role in many organizations. Some go on to become executive assistants or receive other promotions, though this can also be a fulfilling lifelong career in itself. Unfortunately, some administrative assistants have their careers cut short when they learn they have a disabling medical condition. Whether you suffered an injury or received a diagnosis of a debilitating illness, you might not be able to work in your usual capacity any longer. This is the time to seek benefits from your disability insurance coverage. When you file your claim, you might think that the process should be simple - after all, you and/or your employer pays for the coverage, so the insurance company should keep its end of the bargain and provide necessary benefits. It may surprise you how challenging it can be to start receiving the benefits you need for financial support after a disability sidelined your employment. You should not hesitate to reach out to a Chicago disability benefits lawyer who can fight for...


> If you trained and worked as an accountant, you have a lot on the line if you can no longer work because of a disability. Contact a Chicago disability insurance lawyer right away.

- Published: 2021-05-26
- Modified: 2026-06-15
- URL: https://www.chicagodisabilitylawyers.com/occupations/accountants/

IMPORTANT CAREER Accountants offer an important public service to help both companies and individuals with varying needs. PHYSICAL IMPAIRMENT If you have a physical or mental impairment that prevents you from accomplishing your work as an accountant, you may feel uncertain about your career. DISABILITY BENEFITS Fortunately, it’s possible for accountants to file for and receive disability benefits when they are unable to complete their duties. Success With Disability Claims for Accountants Bartolic Law has helped accountants recover their long-term disability benefits from insurers. In one recent matter, we helped a partner of an accounting firm who suffered debilitating daily migraines recover long-term disability benefits. Due to the severity and frequency of the migraines, the client could not spend the necessary time on a computer screen analyzing data to work anywhere near a full-time schedule. Though medical records and opinions were helpful, we buttressed the claim by showing the criteria to qualify for certain treatments (e. g. , Botox injections), suggesting the severity of the symptoms. We also strengthened the claim by including daily symptom and activity journals that corroborated what the insurer called mere “subjective complaints. ” By combining these elements, we were able to transform the case from one that simply appeared as unsupported complaints, to one that lacked any evidence to suggest the complaints were anything but true. We rely on accountants to ensure that our company books are accurate and to minimize our tax liability each spring. There is a lot that goes into becoming an...


> Bartolic Law serves clients with disabilities across various occupations. Our Chicago ERISA lawyer helps secure compensation when you cannot work. Call today for a consultation.

- Published: 2021-05-17
- Modified: 2025-09-23
- URL: https://www.chicagodisabilitylawyers.com/occupations/

Education & Childcare Healthcare Professional & Business Services Public Servants Skilled Trades & Services Technology Workers Education & Childcare Childcare Workers Teachers Back to top Healthcare Anesthesiologists Cardiac Surgeons Chiropractors Dental Assistants Dentists ER Doctors Invasive Cardiologists Neurologists Nurse Midwives Nurses Oncologists Optometrists Orthopedic Physicians Otolaryngologists Pain Management Physicians Pharmacists Physician Assistants Physicians Podiatrists Psychiatrists Registered Nurses Rheumatologists Surgeons Vascular Surgeons Back to top Professional and Business Services Accountants Administrative Assistants Bank Tellers Banking Professionals Executive Assistants Financial Managers Human Resources Professionals Office Managers Sales Associates Sales Managers/Directors Vice Presidents Back to top Public Servants Social Workers Back to top Skilled Trades & Services Airline Workers Civil Engineers Construction Workers Delivery Service Drivers Engineers Flight Attendants Lawyers Pilots Back to top Technology Workers IT Support Professionals Network Engineers Back to top


> In some situations, it’s possible to pursue a lawsuit following a claim denial. Contact a Palos Heights long term disability attorney to discuss your case.

- Published: 2021-05-12
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/what-we-do/long-term-disability-insurance/long-term-disability-lawsuits/

What Sets Us Apart You were supposed to be paid long-term disability benefits because you cannot work. You went through the claim and the appeal. But the insurer still will not pay your claim. The stress of the delay and income loss exacerbates your symptoms. Because of our Compassion, we understand, and do everything we can to avoid you being here. Our pre-litigation appeal process is the best opportunity to avoid this, but it still happens sometimes. Not Everyone Came to Us First, But They Usually Wish They Had Many of our lawsuits and victories are cases we inherited from other firms that abandoned the case, or that they rejected for being too challenging. GET HELP NOW What Sets Us Apart Our Core Values set us apart and are what give us an unmatched track record in long-term disability insurance litigation: zero losses. We are principled about obtaining the outcomes our clients most want. We respect firms that have dozens or hundreds of appellate court decisions, but the untold reality is those cases were lost in the district court, and the clients waited many years to be paid. We are the strongest at assessing a case’s strengths and weaknesses, anticipating what a court will do, and tailoring our litigation strategy to what is likely to succeed. Courts appreciate our Authenticity and Transparency. Insurers and defense lawyers respect it. Clients love it. SUCCESSES Ferrin v. Aetna Life INS. CO. Ferrin v. Aetna Life Ins. Co. , 336 F. Supp. 3d 910...


> A disability is a life-changing condition, and long term care is often helpful. Fight for your rightful benefits alongside a Chicago long term disability lawyer today.

- Published: 2021-05-12
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/areas-of-practice/long-term-disability/

UNDERSTANDING AND COMPASSION We understand. You know you are disabled. Your doctors agree. You’re frustrated an insurance company and its doctors never saw you, but discredit your doctors and say you really can work. You loved working, and you earned more working than on disability. You would not choose this. You are not exaggerating. Your claim is real. Often you were awarded short-term disability benefits and even Social Security Disability, but the long-term disability insurer will not pay your claim. Insurers’ disability review process is designed to de-humanize your claim, and just see a set of records and data. As Artificial Intelligence becomes more widely used, they may be pulling data from your file, and AI suggests outcomes based on that insurer’s past actions with similar data. Bartolic Law believes in humanizing your case to take AI out of the equation and give you a fair review. Bartolic Law believes in showing clients’ disabilities, and often presenting clients’ cases with photo and video evidence of clients’ routines, adjustments, and struggles. We learned that when we stack medical records, test results, opinions, thoughtful analysis, AND visual components corroborating the remaining evidence, the insurer’s task to maintain a denial becomes much more difficult. Not only rank-and-file employees become disabled. Even executives, partners, accountants, lawyers, and doctors develop disabling conditions. We understand the unique vocational demands and stresses applicable to all occupations, and we can anticipate how your symptoms affect the requirements of your occupation, or another if the policy changes definitions of...


> If your long term disability claim was denied, you’re likely very confused. A Glenview long term disability attorney can provide the clarity you need.

- Published: 2021-05-12
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/areas-of-practice/long-term-disability-claims/

LONG-TERM DISABILITY CLAIMS Long-term disability benefits are intended to provide you with a steady source of income if you become unable to work due to an injury or illness. These benefits may also be available through your own Individual Disability Insurance policy or your employer’s benefit plan as a group policy, even if you do not contribute to the cost of the insurance. Bartolic Law helps clients initiate claims under both individual and group disability insurance policies. The earlier you involve Bartolic Law, the greater your odds of ultimate success. We can create a fee structure that works for you. See our fee structures here. It’s a small price to pay for peace of mind. We do not advise going it alone, but if you must, at least read below. Request Copies of Disability Program Documents If possible, ask your employer for a copy of the employer’s short-term and long-term disability plan documents, including any Summary Plan Descriptions and Certificates of Insurance. You have a right to these documents under ERISA. They may be on your employer’s benefits portal or an intranet, or you may need to contact Human Resources. If you have not been covered by the Long-Term Disability policy for at least 1 Year, read the provision on Pre-Existing Conditions and Schedule a Meeting with Bartolic Law to plan to avoid your claim being excluded, if possible. Notify Your Employer You Cannot Show Up to Work Due to Your Symptoms You must immediately notify your employer. Communicate that...


> After retiring, individuals rely on pensions and benefits. If you aren’t receiving what you’re entitled to, a Chicago retirement plan benefits lawyer can review your case. Call today.

- Published: 2021-05-12
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/what-we-do/retirement-and-pension-benefits/

NATIONALLY RECOGNIZED. CHICAGO STRONG. RETIREMENT AND PENSION BENEFITS LAWYERS Bartolic Law handles disputes with Supplemental Executive Retirement Plans, Single-Employer Defined Benefit Plans, and Multi-Employer Defined Benefit Plans. Michael has helped many clients make pension claims, appeal pension denials, and litigate retirement benefit disputes under ERISA § 502(a). Bartolic Law is the leader in Retirement and Pension Disputes. Chicago is the home of organized labor, and has many single employer and multi-employer pension plans. Corporations also provide Supplemental Executive Retirement Plans to key employees. Bartolic Law is nationally renowned for its work on challenging retirement benefit denials. We have helped clients from all walks of life in their retirement benefit disputes, including C-Level Executives, Senior Vice Presidents, and men and women in the trades. Some of our work includes: Terminations before vesting of SERPs Undercalculating credited earnings while on foreign assignments Misapplication of qualifiers for enhanced retirement Misclassification of employment to deny service credits Misapplication of disqualifying employment clauses to work while retired Denials of years of service Denying vesting service while under a third party’s management Retroactive changes in application of terms Change in control triggers of benefits SUPPLEMENTAL EXECUTIVE RETIREMENT PLANS Supplemental Executive Retirement Plans are unique in that they are governed by ERISA, but exempt from most of ERISA’s protections, like vesting requirements, requirements assets be held in trust, and fiduciary responsibilities. Often executives consult general employment lawyers who lack the experience in ERISA disputes to capably handle the dispute. While in general employment law, prevailing plaintiffs generally...


> Many people with chronic health impairments depend on long term care insurance to get by. If your benefits were denied, don’t wait to contact a Chicago ERISA lawyer who can help.

- Published: 2021-05-12
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/what-we-do/long-term-care-insurance/

NATIONALLY RECOGNIZED. CHICAGO STRONG. LONG TERM CARE LAWYERS You purchased insurance so you’d be cared for when you need it, and would not have to burden family or friends. You paid for the coverage for years, but when you need it, the insurer denied the claim. This happens too often, as insurers issued these policies not realizing what medical advances would extend life expectancies for a large segment of the population. Just because an insurer underestimated its liability in the future does not mean you should suffer. Bartolic Law has helped the insured and their families secure payment of Long-Term Care Insurance when the insurer refuses to pay. They often challenge you do not yet need sufficient assistance with enough Activities of Daily Living. Activities they challenge include: Bathing: the ability to clean and groom yourself Eating: being able to eat on your own Toileting: the ability to get on and off a toilet Dressing: needing help getting dressed, especially with buttons or zippers Transferring: being able to walk or move yourself from a bed to a wheelchair Continence: the ability to control your body’s elimination LONG TERM CARE DISPUTES Long Term Care Insurance usually requires you need assistance with two or more Activities of Daily Living to qualify for benefits. Some policies require you already incur the expense of residential or home health care, while others pay only for meeting the need for assistance with the Activities of Daily Living. Insurers often use either of these variations against you...


> Losing a loved one is devastating, and denied benefits can make it worse. A Chicago ERISA attorney can provide clarity during this difficult time. Call us for a consultation.

- Published: 2021-05-12
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/what-we-do/life-insurance-and-accidental-death-insurance/

NATIONALLY RECOGNIZED. CHICAGO STRONG. LIFE INSURANCE AND ACCIDENTAL DEATH LAWYERS Bartolic Law handles Life Insurance and Accidental Death Insurance disputes on behalf of beneficiaries whose claims were denied, and the insureds whose coverage is being terminated. We help those with individual policies, as well as those with group insurance policies governed by ERISA § 502. Bartolic Law has helped many clients secure payment of the life insurance benefits, demonstrate a death was an accidental death triggering increased payment, and maintain life insurance coverage when the insurer tries to terminate or rescind coverage. We have helped clients recover policy benefits in all kinds of circumstances, some of which include: Voluntary Drug Ingestion with Accidental Overdose Auto Accidents with Alcohol and Drugs Involved Disputes Over Whether an Illness or Injury Caused the Death Disputed Coverage While the Insured Was Disabled Disputes Over Accidental Means vs. Accidental Results Disputed Spousal Accidental Insurance Unintentional Drug Ingestion Bacterial Infection Accidental Death Misrepresentation of How to Maintain Coverage Just Before Death Disputes over whether a waiver of premium covers Accidental Death Coverage Disputed Accelerated Death Benefits Due to Terminal Illness And More ACCIDENTAL DEATH INSURANCE DISPUTES Bartolic Law has helped many clients whose loved ones passed from accidents recover accidental death insurance proceeds when insurers denied their claims. Accidental death insurance claims get denied frequently because there is a greater factual element to them than ordinary life insurance claims. Accidental death requires the death to occur in a defined way, and the policies contain numerous exclusions....


> When your health insurance benefits are denied, life feels uncertain, especially if you cannot work. Move toward a resolution with a Chicago ERISA lawyer. Call Bartolic Law today.

- Published: 2021-05-12
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/areas-of-practice/health-insurance-benefits

NATIONALLY RECOGNIZED. CHICAGO STRONG. HEALTH INSURANCE LAWYERS Bartolic Law has helped clients in every stage of health insurance challenges and disputes, including pre-claim advice to avoid denials, appealing denials, and lawsuits over health benefits under ERISA § 502(a). Health insurance denials and delays in approval have been on the rise. We understand the frustration. Your premiums, coinsurance, and copays increase every year, and the policies cover fewer and fewer things. Yet when you need the insurance, it is not always there. Clients find themselves in all kinds of challenges. Unfortunately, too few lawyers understand the health insurance system structure to understand how to approach the disputes. Bartolic Law has helped clients with all kinds of health insurance issues, including: Medical Necessity of Spinal Surgeries Denials of Residential Treatment Employers’ Failure to Enroll a Participant in Plan Denials of Medication Treatment as Experimental Exclusions for Work-Related Injuries Denials of Fertility Treatment Refusal to Pay After Pre-Authorizing Surgery Misclassification Procedures as Cosmetic Emergency Exceptions to Out-of-Network Providers Misapplication of Exclusions Due to Third-Party Caused Accidents Denials of Gender Reassignment Services And More HEALTH INSURANCE DENIALS Nothing is more frustrating than needing health treatment, and not getting it. We understand. We live in the country with the largest economy in the world, and your health is managed (or mismanaged) by for-profit entities. The entities search for ways to make more money, which does not generally include providing you with better benefits, or covering more of what you need. As a judge in one...


> Bartolic Law has a long history of helping individuals with denied insurance and retirement benefits claims. Our Orland Park ERISA attorneys guide clients through difficult times.

- Published: 2021-05-12
- Modified: 2025-09-23
- URL: https://www.chicagodisabilitylawyers.com/successes/

SUCCESSES Ferrin v. Aetna Life Ins. Co. Ferrin v. Aetna Life Ins. Co. , 336 F. Supp. 3d 910 (N. D. Ill. Sept. 28, 2018) (holding insurance policy’s grant of discretionary authority is void under Texas law due to certificate being issued after effective date of regulation, and policy renewing after effective date, and holding Plaintiff was disabled from Any Reasonable Occupation where treating doctors certify she can sit at the occasional level, and insurer’s consultants opine Plaintiff can sit frequently, as weighing all evidence together would make capacity likely at low end of frequent range at best). Sadowski v. Tuckpointers Local 52 Sadowski v. Tuckpointers Local 52 Health & Welfare Trust, 281 F. Supp. 3d 710 (N. D. Ill. Dec. 20, 2017) (holding plan was arbitrary and capricious in denying medical benefits for removal of spinal cord stimulator following a fall down the stairs and infection where plan argued the expenses were caused by the same injury as the car accident necessitating implantation of the stimulator years earlier) Tassone v. United of Omaha Life Ins. Co. Tassone v. United of Omaha Life Ins. Co. , 264 F. Supp. 3d 867 (N. D. Ill. Aug. 30, 2017) (awarding client long term disability benefits denied by United of Omaha despite insurer’s doctor opining there was no objective evidence of functional impairment) Suson v. PNC Fin. Servs. Grp. , Inc. Suson v. PNC Fin. Servs. Grp. , Inc. , No. 15-CV-10817, 2017 WL 3234809 (N. D. Ill. July 31, 2017) (holding Liberty...




## Posts

> An insurer's denial of an accidental death claim is not the final word. See how Bartolic Law challenges claim denials and fights for beneficiaries.

- Published: 2026-07-31
- Modified: 2026-07-31
- URL: https://www.chicagodisabilitylawyers.com/what-insurers-look-for-when-reviewing-accidental-death-claims-involving-medical-events/

Losing a loved one is painful enough. When an insurer denies the accidental death benefit you were counting on, the grief turns into frustration and financial worry. Insurance companies often point to a medical event, a pre-existing condition, or a substance in the bloodstream to argue that the death was not truly "accidental. " If you are a beneficiary facing this kind of denial, you have rights, and a denial is rarely the final word. This blog explains the four factors insurers weigh most heavily when a medical event is involved, and how each one can be challenged. Insurers typically focus on: Illness contribution: Whether a pre-existing condition or underlying illness played a role in the death. Autopsy reports: What forensic findings say about the true cause of death. Toxicology: Whether prescribed or non-prescribed substances triggered a policy exclusion. Proximate cause: Which single cause the law treats as the real reason for the death. How Illness Contribution Affects an Accidental Death Claim Accidental death and dismemberment (AD&D) policies pay benefits when death results from an accident. The trouble starts when the deceased had a health condition, because most policies contain a clause excluding deaths "caused or contributed to" by illness or disease. Insurers lean on this clause aggressively. If your loved one had heart disease, diabetes, cancer, or any chronic condition, the insurer may argue that the illness, not the accident, caused the death. Why "Contributed To" Language Is So Heavily Disputed The phrase "contributed to" is broad, and insurers...


> An inaccurate Functional Capacity Evaluation (FCE) can jeopardize your disability claim. Bartolic Law explains how to challenge a flawed report by documenting errors, seeking a second opinion, and submitting strong rebuttal evidence to support your appeal.

- Published: 2026-07-19
- Modified: 2026-07-19
- URL: https://www.chicagodisabilitylawyers.com/what-to-do-if-your-fce-report-misrepresents-your-pain-or-performance/

A Functional Capacity Evaluation (FCE) can make or break your disability insurance claim. This single report often becomes the centerpiece of an insurer's decision, claiming to measure exactly what your body can and cannot do over the course of a workday. When that report is accurate, it can support your claim. When it is wrong, it can hand the insurance company the excuse it needs to deny you. If you suffer from chronic pain or a serious physical condition, you already know how hard it is to have your symptoms taken seriously. An inaccurate FCE adds insult to injury, often portraying you as more capable than you truly are. The good news? A flawed FCE is not the final word. This blog walks you through the specific steps to take when an FCE report misrepresents your pain levels or physical performance: Clarify the inaccuracies by identifying and documenting every factual error in the report. Request clarification from the evaluator to explain the gaps between their findings and your reported symptoms. Seek a secondary evaluation or paper review from an independent medical professional. Submit rebuttal evidence using medical records, witness statements, and daily activity logs. Let's break down each step so you can build a stronger appeal. What Is an FCE and Why Does It Matter in Disability Claims? A Functional Capacity Evaluation is a series of standardized tests that measures your ability to perform physical tasks like lifting, sitting, standing, bending, and gripping. Insurance companies and their hired evaluators use...


> If your AD&D insurance claim was denied based on a "voluntary risk" exclusion, you have legal options. See how to challenge the denial by analyzing policy language, using witness testimony, and applying legal precedents. Contact Bartolic Law for a case review.

- Published: 2026-06-23
- Modified: 2026-06-23
- URL: https://www.chicagodisabilitylawyers.com/how-to-challenge-an-accidental-death-denial-based-on-voluntary-risk-exclusions/

When a loved one dies in an accident, an Accidental Death and Dismemberment (AD&D) insurance policy should provide financial relief. Instead, many families receive a denial letter claiming the death falls under a "voluntary risk" or "self-inflicted injury" exclusion. Insurance companies use these exclusions broadly, often stretching their meaning far beyond what the policy language actually supports. A denial is not final. Families have real legal options to fight back. The key strategies for challenging these denials include: Activity analysis: Distinguishing between inherently dangerous conduct and a common accident Policy language ambiguity: Arguing that the exclusion's wording is vague or legally unenforceable Witness and expert evidence: Using testimony and forensic data to counter the insurer's characterization Legal precedents: Applying established judicial tests to prove the death was accidental How Does Activity Analysis Challenge a Voluntary Risk Denial? Insurance companies often label any risky behavior as "voluntary," but that framing does not hold up under legal scrutiny. Activity analysis requires a careful look at what the person was actually doing at the time of death. Was the activity something a reasonable person might do in ordinary life? Was there any intent to cause harm? Distinguishing Everyday Accidents From Inherently Dangerous Acts Courts consistently draw a line between activities that carry some general risk and acts that are fundamentally dangerous by nature. Taking medication, driving a car, or even participating in recreational sports fall into the first category. These are not "voluntary risks" in the legal sense, even if something went wrong....


> Find out what insurers look for when evaluating mental health disability claims. Bartolic Law explains how therapy, medication, and functional impairment affect your claim's outcome.

- Published: 2026-06-09
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/what-insurers-look-for-when-evaluating-depression-and-anxiety-claims/

Filing a long-term disability claim for depression or anxiety is rarely straightforward. Unlike physical injuries, mental health conditions are invisible to the eye, which gives insurers more room to question the severity of your symptoms or dispute your inability to work. Insurance companies apply strict, specific criteria when reviewing these claims, and a single gap in your documentation can result in a denial. Before you file or appeal, you should understand exactly what they are looking for: Therapy compliance: Whether you consistently attend and engage with treatment Medication history: How your prescription records reflect the severity and progression of your condition Functional impairment: Whether your symptoms demonstrably prevent you from performing your actual job duties Consistency of documentation: Whether your medical records, self-reported symptoms, and daily activity logs all tell the same story Therapy Compliance Matters More Than You Think Insurers treat your treatment history as a window into how serious your condition truly is. If you attend therapy regularly, follow your provider's recommendations, and show active participation in your care plan, that record supports your claim. Gaps in attendance or an inconsistent treatment history raise red flags. The insurer may argue that your condition is not serious enough to prevent work, or that you are not making a reasonable effort to recover. Detailed therapy notes from a licensed mental health professional, documented at every session, are some of the most persuasive records you can submit. How Insurers Analyze Your Medication History Your prescription records tell insurers a detailed story...


> Insurers use look-back periods to tie old symptoms to new conditions and deny LTD claims. Don’t accept their version of your story. Appeal with Bartolic Law.

- Published: 2026-06-05
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/how-do-insurers-apply-the-look-back-period-to-deny-ltd-claims/

Your doctor agrees you cannot work, yet the insurance company denies your long-term disability (LTD) claim. Their reason? They labeled your disability a "pre-existing condition" after reviewing your medical history. It is incredibly frustrating. How could a condition be pre-existing when you were only recently diagnosed? If your LTD claim was denied because of a "look-back period," you are not alone. At Bartolic Law, we have built our Chicago-based practice around helping people whose claims were wrongly denied. We understand the tactics insurers use, and we know how to fight them. The look-back period is a specific window of time (often 3 to 12 months before your coverage began) that insurers use to search for pre-existing conditions. Insurers don’t look for a formal diagnosis during this window to issue a denial. Instead, they often: Scrutinize treatment windows and gaps in care. Analyze your medication history for early warning signs. Connect past symptoms, even minor ones, to your current condition. Understanding how the insurers who denied your claim reached their decision is the first step in building a strong appeal. How Can Your Treatment History Lead to a LTD Claim Denial? One of the most critical aspects insurance companies scrutinize during the look-back period is your treatment history. Why? Because your past medical care provides a detailed timeline that they can use to argue your condition existed before your policy's effective date. They will meticulously analyze your records, looking for patterns that suggest you were already dealing with a disabling condition....


> Life insurers build policy lapse cases using payment gaps and timelines, but they miss key details. Let Bartolic Law fight your claim denial.

- Published: 2026-05-23
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/how-do-life-insurers-investigate-alleged-policy-lapses/

Losing a loved one is already an incredibly difficult experience. The last thing you need is a life insurance company telling you the policy has lapsed, leaving you without the financial support you were counting on. It can be shocking and frustrating, leaving you to wonder how the insurer could have possibly reached this conclusion. At Bartolic Law, we've helped countless beneficiaries appeal denied life insurance claims. We know that a "policy lapse" is a common reason insurers use to avoid paying rightful benefits. Their investigations are often superficial, designed to find any excuse to deny a claim. They do the bare minimum, declare the policy has lapsed, and hope you won't question their decision. When insurers investigate alleged policy lapses, they typically: Reconstruct a payment timeline to pinpoint a missed premium. Confirm whether the policy was still within a grace period. Check whether reinstatement was completed. Let's look closer at the insurance company's investigation process so you can understand where their case might be weaker than they claim. What Actually Causes a Life Insurance Policy to Lapse? When you submit a life insurance claim, the insurance company will immediately scrutinize your payment history for any excuse to argue that the policy lapsed. Their investigation focuses on finding: Missed or late premium payments. Expired autopay information or bank errors. Employer errors in group policy withholdings. Coverage disruptions due to job changes. After identifying a potential gap, the insurer's goal is to place 100% of the blame on the policyholder. However,...


> A beneficiary dispute can delay or deny your life insurance payment. Bartolic Law explains common reasons for delays and outlines how you can protect your rights and secure your financial future.

- Published: 2026-05-06
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/when-a-beneficiary-dispute-can-delay-or-deny-payment/

Losing a loved one is incredibly difficult. Discovering that your life insurance or retirement benefits are delayed due to a beneficiary dispute only adds to your grief and stress. At Bartolic Law, we understand how overwhelming this feels. Insurance companies routinely freeze payouts when there is confusion over who rightfully deserves the money. Let us explore the common reasons your payment might be delayed, the legal obstacles in your way, and how you can protect your rights. Common Obstacles in Beneficiary Disputes When you file a claim, you expect a smooth process. However, several legal hurdles can instantly halt your payout. 1. Outdated Designations Life changes fast. People get married, have children, and experience other major milestones. Unfortunately, policyholders often forget to update their beneficiary forms. If a loved one passes away with an old form on file, the insurance company will typically follow that document. This simple oversight can easily deny the intended person their rightful funds, leaving families to deal with the financial fallout. 2. The Effects of Divorce Divorce heavily complicates life insurance payouts. Many states have laws that automatically remove an ex-spouse as a beneficiary once a divorce is final. However, if the policy is an employer-sponsored plan, federal law might step in and ignore state rules entirely. This conflict between state and federal regulations frequently leads to delayed payments while the legal system figures out which law applies. 3. Competing Claims What happens when a current spouse and an ex-spouse both claim the same death...


> Learn how insurance companies use outdated job descriptions to deny long-term disability benefits and discover strategies to challenge their decision. Fight back against an unfair denial and secure your benefits with the help of Bartolic Law.

- Published: 2026-05-03
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/how-insurers-use-outdated-job-descriptions-to-deny-disability-benefits/

You know exactly what your daily work requires. But when you file a long-term disability claim, the insurance company might evaluate your physical and mental limits against a job description that is decades old. If they decide your medical condition does not prevent you from doing a job that no longer exists in reality, they will deny your claim. Insurance providers frequently use outdated occupational data to avoid paying claims. Understanding how they manipulate this information is the first step to turning your denial into an approval. Forcing Emerging Roles into Traditional Boxes The workforce has changed drastically over the last thirty years. If you work as a digital project manager, a software architect, or an e-commerce specialist, your job didn't exist 30 years ago. And yet, insurance companies still use occupational data from the 1980s to determine if your job disqualifies you from receiving disability benefits. Instead of evaluating your actual duties, insurance companies will force your specialized role into a generic, traditional classification. By stripping away your complex daily tasks and matching you with a simpler, outdated title, the insurer attempts to prove you are still capable of working, completely ignoring the reality of your profession. Physical Demands in Modern Work Environments Insurers also fail to grasp the physical realities of modern work. If you work in a remote or hybrid environment, an insurance adjuster might wrongly assume your job requires zero physical or mental stamina. They overlook the intense cognitive focus, prolonged sitting, and continuous computer use...


> Disability insurers often use Functional Capacity Evaluation (FCE) results to deny claims. Learn how to challenge misleading FCE reports and protect your rights. Contact Bartolic Law for legal guidance on your disability appeal.

- Published: 2026-03-31
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/how-disability-insurers-use-fce-results-to-challenge-your-work-restrictions/

A Functional Capacity Evaluation (FCE) is a series of tests designed to measure your physical abilities. While it may seem like a neutral assessment, disability insurance companies often use FCE results as a powerful tool to challenge, reduce, or deny your claim. They can be stressful and physically demanding, and the final report can feel like a direct contradiction of your daily reality. Understanding how insurers interpret these evaluations is the first step toward protecting your rights. At Bartolic Law, we have seen countless clients face denials based on misleading FCE reports. This blog will break down the common tactics used by insurers and provide guidance on how to respond effectively. Lifting and Carrying Tests One of the most critical parts of an FCE is the assessment of your ability to lift and carry various weights. The report will specify the maximum weight you could manage on an occasional, frequent, or constant basis. Insurers seize on these numbers to argue that you can perform certain jobs. For example, an FCE might conclude you can lift 20 pounds occasionally. The insurer will then match this finding to job descriptions in the national economy that require "light" physical exertion. They use this data to claim that even if you cannot return to your previous job, you are capable of performing "any occupation" with these lifting requirements. This tactic often ignores the full context of your limitations, such as pain, fatigue, or the inability to sustain this activity over a full workday. Postural...


> Is your long-term disability claim denied for "insufficient evidence" despite your doctor's support? Learn why insurers use this tactic and how Bartolic Law can help you fight back and win your appeal.

- Published: 2026-03-22
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/why-insurers-claim-insufficient-evidence-even-when-your-doctor-supports-disability/

Receiving a denial letter for your long-term disability claim is devastating, especially when your own doctor agrees you cannot work. You might feel confused or even angry when the insurance company claims there is "insufficient evidence" to support your disability. How can they say that when your medical file is full of test results and office visits? This is a common tactic used in ERISA and private disability claims. Insurance companies look for specific gaps in your records to justify a denial. Understanding these tactics is the first step toward turning that denial into an approval. Here is why your valid claim might be labeled "insufficient" and how we fight it. 1. Incomplete Chart Notes Your doctor's priority is treating your condition, not writing legal arguments. Standard medical records (chart notes) often lack the specific documentation insurers demand. A doctor might write "patient reports continued back pain" but fail to document the severity, frequency, or specific triggers of that pain during every visit. To an insurer looking for a reason to say no, silence in the notes equals a cure. If your doctor doesn't explicitly write that your condition remains severe in every single entry, the insurance adjuster may argue that your condition has improved, leading to a claim of "insufficient evidence. " 2. Missing Functional Details A diagnosis alone does not prove disability. You may have a confirmed diagnosis of Multiple Sclerosis or Degenerative Disc Disease, but the insurer needs to know exactly how that condition limits your ability...


> Find out why LTD benefits are often terminated and how to fight back. Bartolic Law assists with appeals, ensuring you get the disability benefits you deserve.

- Published: 2026-02-23
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/common-reasons-ltd-benefits-are-terminated-after-review/

Receiving a letter stating your long-term disability (LTD) benefits are ending is a shock. You rely on these payments to survive, and suddenly, the financial rug is pulled out from under you. Insurance companies routinely review open claims, not just to update files, but often to find reasons to stop payments. Understanding why this happens is the first step to fighting back. Here are the most common strategies insurers use to justify terminating benefits: Adverse Independent Medical Exam (IME) Opinions: A hired doctor disagrees with your treating physician. Surveillance Tactics: Video or social media evidence is used out of context. Misinterpreted Medical Improvements: Your doctor's notes are twisted to suggest you are "cured. " Policy Definition Changes: The shift from "own occupation" to "any occupation. " The "Independent" Medical Exam (IME) One of the most frequent reasons for termination is a report from an Independent Medical Exam (IME). The insurer hires a doctor to evaluate you, usually for less than an hour. Despite having no long-term history with your condition, this doctor may conclude you are fit to return to work. Insurers often prioritize the opinion of their paid consultant over the doctor who has treated you for years. If the IME report says you can work, the insurance company treats this as "new evidence" sufficient to close your claim. Surveillance and Social Media Insurance companies often hire investigators to conduct surveillance. They look for any activity that contradicts your claim of disability. Video Surveillance: You might be filmed carrying...


> Find out who controls your ERISA disability claim: your employer or the insurer. Understand plan administrators, discretionary authority, and your rights. Bartolic Law can assist you in navigating the appeals process and turning denial into approval.

- Published: 2026-02-10
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/who-controls-your-erisa-claim-employer-or-insurer/

When your long-term disability claim is governed by the Employee Retirement Income Security Act (ERISA), determining who has the final say, your employer or the insurance company, is a critical question. This distinction directly impacts how your claim is reviewed and what level of deference a court will give to a denial. The answer lies in identifying the official "plan administrator" and understanding the concept of "discretionary authority. " Key factors that determine control over an ERISA claim include: The designated Plan Administrator in the policy documents. Whether discretionary authority has been granted. How that authority is delegated to another party, like an insurer. The Role of the Plan Administrator Under ERISA, every employee benefit plan must have a designated Plan Administrator. This is the person or entity responsible for managing the plan, communicating with participants, and making decisions on benefit claims. While many people assume the insurance company is in charge, ERISA defaults to the employer as the plan administrator unless the plan documents name another party. This role comes with significant legal responsibilities, known as fiduciary duties. The administrator must act solely in the best interest of the plan participants. When an employer retains this role, they are ultimately responsible for the final decision on your claim, even if they use an insurance company to process and pay benefits. Discretionary Authority: The Deciding Factor "Discretionary authority" is a legal concept that gives the plan administrator the power to interpret the terms of the plan and make eligibility determinations....


> Learn why LTD benefits are often terminated after an Independent Medical Exam (IME) and how to fight back against biased reports. Contact Bartolic Law for help reinstating your benefits.

- Published: 2026-01-24
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/why-ltd-terminations-happen-after-an-independent-medical-exam/

Receiving notice that your long-term disability (LTD) benefits are being terminated after an Independent Medical Exam (IME) is a distressing experience. While IMEs are presented as "independent" reviews, they are often strategic tools used by insurance companies to justify ending payments. Understanding why this happens is the first step in fighting back. Here are the primary reasons LTD claims are terminated following an IME: Discrepancies in Medical Opinions: The IME doctor's report conflicts with your treating physician's assessment. Lack of "Objective" Evidence: The examiner claims there is insufficient proof of your functional limitations. Perceived Non-Compliance: The insurer argues you are not following recommended treatments or are exaggerating symptoms. Change in Definition of Disability: The IME is timed to coincide with a policy shift from "own occupation" to "any occupation. " How Insurers Use IMEs to Reassess Claims Insurance companies have a financial incentive to minimize payouts. An IME allows them to bring in a doctor, often one they hire regularly, to review your condition. Unlike your treating physician, who sees you regularly, an IME doctor may spend only 15 to 30 minutes with you. Despite this brief interaction, their report can carry significant weight. If the IME report states you can return to work, the insurer will use this "new evidence" to supersede years of records from your own doctors. This tactic is especially common when claims involve subjective conditions like chronic pain, fatigue, or mental health disorders, where "objective" tests like X-rays are not definitive. The Problem of Bias...


> Learn how to smoothly transition from short-term to long-term disability without gaps in your benefits. Bartolic Law covers timing, documentation, and how to avoid common denial traps. Secure your financial support when you need it most.

- Published: 2026-01-10
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/how-to-transition-from-short-term-to-long-term-disability-without-gaps/

The transition from short-term disability (STD) to long-term disability (LTD) should be seamless, but it is often a period filled with anxiety and potential pitfalls. A gap in benefits can create significant financial hardship when you are already focused on your health. Understanding the process and preparing in advance are the keys to ensuring continuous support. Here are the critical elements for a smooth transition: Proactive Timing: Do not wait until your STD benefits are exhausted to begin the LTD application process. Consistent Documentation: Ensure your medical records clearly support a continued inability to work beyond the STD period. Coordination with Your Employer: Work with your HR department to get the necessary forms and information submitted on time. Anticipate Denial Traps: Be aware of common reasons insurers deny claims at this crucial stage. When Should I Start the Transition Process? The most common mistake people make is waiting too long. Your LTD application should be started well before your STD benefits end. Review Your Policy: Check your STD policy to see the maximum benefit period (usually 3 to 6 months). Begin 60-90 Days Out: Start gathering information and completing paperwork for your LTD claim at least two to three months before your STD benefits are set to expire. This provides a buffer for gathering medical records and handling any delays. Submit 30 Days Before: Aim to have your completed LTD application submitted to the insurance company at least 30 days before your last STD payment. What Documentation Will I Need?...


> Skilled tradespeople and manual laborers face unique challenges when proving disability. Learn how to substantiate your long-term disability claim. Contact Bartolic Law to secure the benefits you deserve.

- Published: 2026-01-06
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/how-to-prove-disability-for-skilled-trades-and-manual-laborers/

For skilled tradespeople and manual laborers, physical ability is not just an asset; it is the foundation of your livelihood. Whether you are an electrician, plumber, welder, or construction worker, your job demands strength, dexterity, and endurance. When an injury or illness compromises these abilities, securing long-term disability (LTD) benefits becomes essential for your financial stability. However, proving disability in these physically demanding roles requires a strategic approach to evidence. Here are the key strategies for substantiating your claim: Gather Comprehensive Medical Evidence: Go beyond diagnosis to prove functional limitations. Document Specific Job Duties: Clearly outline the physical demands of your daily tasks. Obtain Personal and Witness Statements: Provide context on how your condition affects your work. Consult Vocational Experts: Use professional analysis to link your medical restrictions to your job requirements. What Types of Documentation Are Necessary? Medical records are the cornerstone of any disability claim, but for manual labor, generic notes are often insufficient. You need "functional" evidence. It is not enough for a doctor to say you have "back pain. " Your records must explicitly state how that pain limits your ability to lift, bend, climb, or stand. We recommend requesting a Functional Capacity Evaluation (FCE). This is a series of physical tests that objectively measure your ability to perform work-related tasks, such as lifting specific weights or standing for prolonged periods. An FCE provides the concrete data insurance companies demand when evaluating claims for physical occupations. How Can I Demonstrate That My Injury Prevents Me From...


> Did you know your age can impact your long-term disability claim? Learn how age influences LTD decisions, from medical evaluations to benefit duration, and discover the strategies needed to secure your benefits. Contact Bartolic Law for help.

- Published: 2025-12-27
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/how-age-plays-a-role-in-long-term-disability-decisions/

When filing a long-term disability (LTD) claim, most people focus on their medical condition. However, your age plays a surprisingly critical role in how insurance companies evaluate your file. Whether you are nearing retirement or in the prime of your career, your age can dictate the strategy needed to secure your benefits. Here is a summary of how age influences LTD decisions: Vocational Analysis: Age significantly affects how insurers determine if you can adjust to a new type of work. Medical Scrutiny: Older claimants often face arguments that their symptoms are merely "age-related degeneration" rather than a disability. Benefit Duration: The length of time you receive payments often changes based on your age at the time of disability. Age and Vocational Eligibility: The "Any Occupation" Standard Most LTD policies shift the definition of disability after 24 months from "own occupation" (you can't do your specific job) to "any occupation" (you can't do any job). This is where age becomes a powerful factor. Insurance companies and courts generally recognize that as workers age, their ability to learn new skills or transition to different industries diminishes. Medical Evidence: Disability vs. Aging Age influences how insurance companies interpret your medical records. For older claimants, insurers often attempt to dismiss disabling symptoms as normal signs of aging rather than a covered sickness or injury. This tactic is common with conditions like: Degenerative disc disease Arthritis Fatigue If you are in your 60s and claim disability due to back pain, an insurer might deny the...


> Learn key tips for communicating with insurance adjusters to improve your long term disability claim's outcome. Contact Bartolic Law for help.

- Published: 2025-12-11
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/tips-for-communicating-with-insurance-adjusters/

Communicating with an insurance company about your long-term disability (LTD) claim can feel intimidating. The process is often filled with complex paperwork and confusing requests, adding stress when you should be focused on your health. However, how you communicate can significantly impact the outcome of your claim. Here are our key tips for effectively managing interactions with your insurer: Be Clear and Concise: Stick to the facts and answer questions directly. Keep Thorough Records: Document every phone call, email, and letter. Understand Your Policy: Know what your policy requires before you communicate. Seek Professional Assistance: An experienced attorney can handle communications for you, ensuring nothing is missed. Be Clear, Concise, and Factual When speaking with a claims adjuster, it is easy to become emotional or over-share details out of frustration. While your feelings are valid, it's important to remain professional and stick to the facts of your disability. Answer questions directly and honestly, but avoid speculating or offering information that wasn't requested. Every word you say can be noted in your file and potentially used to question the severity of your condition. Keep Thorough Records of All Interactions Documentation is your best defense. Treat every interaction with your insurer as if it will one day be reviewed by a judge. Meticulous record-keeping creates a clear timeline and holds the insurance company accountable. Your communication log should include: Date and Time: Note the exact date and time of every phone call or correspondence. Representative's Name: Always ask for the name and...


> Bartolic Law helps tech workers understand pre-existing conditions in LTD claims. Learn to protect your benefits and what steps to take if your long-term disability claim is denied.

- Published: 2025-12-06
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/what-tech-workers-should-know-about-pre-existing-conditions-and-ltd-claims/

For tech workers who rely on their health to maintain a demanding career, a long-term disability (LTD) can be devastating. The situation becomes even more stressful when an insurer denies your claim based on a "pre-existing condition. " Understanding what this term means and how it impacts your claim is the first step toward securing the benefits you rightfully deserve. Here are the key takeaways for navigating this complex issue: Understand Your Policy: The "look-back" period and definition of a pre-existing condition are critical terms in your LTD policy that dictate your eligibility. The Impact of a Pre-Existing Condition: Insurers use these clauses to deny claims for conditions that were treated or showed symptoms shortly before your coverage began. How to Protect Yourself: Proving your disability is not pre-existing requires careful documentation and a strategic approach to your claim. How Do Pre-Existing Conditions Affect LTD Claims? Most group LTD policies contain a pre-existing condition exclusion clause. This allows an insurance company to deny a claim for a disability that arises within a specific timeframe after your policy becomes active (usually the first 12 months). The insurer will "look back" at a set period before your coverage started (typically 3-6 months) to see if you received treatment, took medication, or had symptoms of the condition that is now disabling you. For tech workers, this can be tricky. Say you sought physical therapy for occasional back pain before starting a new job. If you later develop a degenerative disc disease within the...


> Understand how part-time work impacts your long-term disability (LTD) benefits. Bartolic Law explains policy review, benefit reduction, "own occupation" vs. "any occupation" clauses, and how to protect your financial support.

- Published: 2025-11-12
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/can-you-work-part-time-and-still-receive-ltd-benefits/

If you are receiving long-term disability (LTD) benefits, you might consider returning to work part-time to test your abilities or supplement your income. While this is a positive step, it's crucial to understand how working can affect your benefits. Navigating your policy's rules is key to avoiding a sudden termination of the financial support you rely on. Here are the key points to consider: Review Your Policy: Your LTD insurance policy is the ultimate guide. It will define how and if you can earn income while receiving benefits. Potential Benefit Reduction: Most policies will reduce your LTD payment based on the income you earn. "Own Occupation" vs. "Any Occupation": The rules for working part-time often change depending on your policy's definition of disability. Communicate with Your Insurer: You must report any work activity and income to your insurance provider to avoid jeopardizing your claim. How Does Part-Time Work Affect My LTD Benefits? Most group disability policies encourage a return to work and have specific provisions that outline how it's handled. Typically, your ability to work part-time without losing all your benefits depends on a "partial" or "residual" disability clause. Under such a clause, if you work part-time but earn less than a certain percentage of your pre-disability income (often 80%), you may receive a partial benefit. The formula for calculating this benefit varies. Some policies use a simple offset, reducing your LTD payment by a portion of your new earnings. Others calculate a proportional benefit based on your percentage of...


> Learn how to prove a long-term disability claim for cognitive impairments in tech roles. Get tips on evidence, documentation, and overcoming insurer denials from Bartolic Law.

- Published: 2025-11-08
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/how-to-prove-a-disability-claim-for-cognitive-impairments-in-tech-roles/

For tech professionals, cognitive function is the most critical asset. When conditions like brain fog, memory loss, or attention deficits strike, they can be just as debilitating as any physical injury. Proving these "invisible" disabilities for a Long-Term Disability (LTD) claim, however, presents unique challenges. Success hinges on translating subjective experiences into objective evidence that an insurance company cannot dismiss. Here are the key elements of building a strong claim: Understand Legal Criteria: Your policy's definition of "disability" is the standard you must meet. Gather Comprehensive Evidence: Your claim needs more than just a diagnosis; it requires proof of functional limitations. Communicate Limitations Clearly: Effectively show how your cognitive symptoms prevent you from performing the specific demands of your tech role. Bartolic Law can guide you through each of these elements, ensuring your claim is strong and compelling. We understand the legal criteria and evidence required for a successful outcome. What Documentation Is Necessary for My Claim? When your primary symptoms are cognitive, insurers often push back, demanding "objective" proof. Your word and even your doctor's diagnosis might not be enough. To build a compelling case, you need to assemble a wide range of documentation. Think of it as building a data set that proves your disability. Your medical records are the foundation. These should include not just notes from your primary physician but also from specialists like neurologists or neuropsychologists. If you're experiencing brain fog from "long COVID," fibromyalgia, or another condition, ensure your records detail every symptom. Beyond...


> Learn how tech workers with Repetitive Strain Injuries (RSIs) can qualify for Long-Term Disability benefits. Get tips on proving your claim and handling denials with the help of Bartolic Law.

- Published: 2025-11-05
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/repetitive-strain-injuries-in-tech-workers-can-you-qualify-for-long-term-disability/

Aching wrists, a stiff neck, and persistent shoulder pain—these are often dismissed as minor discomforts of a desk job. For many tech workers, however, they are symptoms of a debilitating Repetitive Strain Injury (RSI) that can make work impossible. If an RSI has forced you to stop working, you may be entitled to Long-Term Disability (LTD) benefits. RSIs and Your LTD Claim What is an RSI? An injury to the musculoskeletal and nervous systems caused by repetitive tasks, forceful exertions, or sustained awkward positions. Common examples include Carpal Tunnel Syndrome and Tendinitis. Eligibility for LTD: To qualify, you must prove that your RSI prevents you from performing the essential duties of your occupation. Proving Your Claim: Success depends on strong medical evidence, including diagnostic tests, physician statements, and a clear connection between your symptoms and your job functions. Filing Your Claim: Document everything—your symptoms, your work tasks, and all medical treatments. Missed deadlines or incomplete information can lead to a denial. At Bartolic Law, we understand the importance of a strong LTD claim and the impact it can have on your financial stability. Our team will work tirelessly to help you gather and present compelling medical evidence, communicate effectively with insurers, and navigate the complex appeal process. What Qualifies as a Repetitive Strain Injury? A Repetitive Strain Injury isn't a single diagnosis but a category of conditions affecting muscles, nerves, and tendons. For tech workers, these injuries often develop from thousands of daily keystrokes, prolonged mouse use, and poor ergonomic...


> Avoid LTD claim denials with legal guidance. Learn about common pitfalls and how a Chicago long-term disability appeals attorney at Bartolic Law can help protect your benefits.

- Published: 2025-10-10
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/understanding-the-fine-print-in-long-term-disability-policies-and-avoiding-claim-denials/

When it comes to long-term disability (LTD) insurance, the fine print can significantly influence whether a claim is approved or denied. These policies are complex, often filled with nuanced terms and conditions that can confuse even the most diligent policyholders. Understanding the details of your LTD policy is crucial to protect your financial stability if you face unexpected challenges. Bartolic Law understands the importance of knowing what's in the fine print and shares some insights to help you avoid common pitfalls. The Importance of Knowing Your Policy LTD insurance is designed to replace a portion of your income if you are unable to work due to a disability. However, not all policies are created equal. The terms governing eligibility, coverage duration, and exclusions vary widely. Unfortunately, many individuals don't thoroughly review their policy until they are already facing a claim denial. Familiarity with your policy's requirements can help you avoid surprises during your most vulnerable moments. Common Pitfalls Leading to Claim Denials Several clauses buried in the fine print can lead to LTD claim denials. Knowing these common pitfalls can help you steer clear of them. Pre-Existing Condition Exclusions Many policies include pre-existing condition clauses that exclude coverage for medical issues present before the policy's start date. For example, if you were recently diagnosed with a chronic illness but exhibited related symptoms previously, your claim might be denied under this clause. Definition of Disability Policies often define disability based on "own occupation" (inability to perform your specific job) versus "any...


> How does remote work impact long-term disability claims in the tech industry? Bartolic Law, a Chicago tech worker disability lawyer, helps clients tackle these complex claims.

- Published: 2025-10-06
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/how-remote-work-arrangements-affect-long-term-disability-claims-in-the-tech-industry/

The rise of remote work, propelled by advancements in technology and accelerated by global events, has transformed the tech industry. Once tethered to physical offices, tech professionals now communicate and collaborate from home offices, often halfway around the world. While this shift has redefined workplace dynamics and flexibility, it has also introduced unique challenges in how long-term disability (LTD) claims are handled within the tech industry. Bartolic Law is well-equipped to assist tech professionals in understanding their LTD policies and navigating the claims process. The Prevalence of Remote Work in the Tech Sector Tech companies were early adopters of remote work policies. With access to digital tools like Slack, Zoom, and cloud platforms, their workforce became a natural fit for work-from-home models. Studies show that as of 2025, over 70% of tech workers have embraced partial or full-time remote work arrangements. While this flexibility has many advantages, it also affects how workplace-related disabilities are assessed, managed, and claimed. The Challenges Remote Work Brings to LTD Claims Remote work blurs the lines between personal and professional environments, making LTD claims more complex. Employers and employees alike must now address new considerations that traditional office setups did not entail. 1. Understanding Workplace Accommodations Tech professionals with disabilities may find that working from home creates new challenges for accommodation. Adjustments like specialized chairs or assistive technology devices were previously provided in office environments, but could now become the employee's responsibility at home, complicating the claim process. 2. Proving Disability in a Remote Setup...


> Learn how temporary work can impact your disability benefits. Get guidance from a trusted Chicago long-term disability lawyer at Bartolic Law to protect your rights.

- Published: 2025-08-29
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/how-temporarily-returning-to-work-can-impact-your-disability-benefits/

If you’re receiving disability benefits, you may wonder if trying to work again, whether to ease financial strain or test your health, might affect your benefits. While seeking employment can be empowering, it’s essential to understand how a temporary return to work could impact your long-term disability (LTD) benefits. Knowing the rules can help you avoid unintended consequences. At Bartolic Law, we help individuals understand their disability benefits and provide guidance on how to protect their rights if they return to work. Key Scenarios and Rules to Understand Disability insurance policies and programs, such as those governed by ERISA (Employee Retirement Income Security Act), often include provisions allowing recipients to attempt work while maintaining some level of benefits. However, the details can vary based on your insurance policy or Social Security Disability rules. Key factors that can influence your benefits include: 1. Trial Work Periods Some LTD policies allow for a trial work period, designed to encourage you to try working without losing your benefits immediately. For instance: Your insurer might allow you to earn income up to a specified threshold for a limited period (often a few months). If your attempt at returning to work is unsuccessful due to your disability, you typically won’t risk losing your benefits. 2. Substantial Gainful Activity (SGA) SGA is often crucial in determining if you can still receive disability benefits while working. Under Social Security rules, earning over a certain monthly amount may disqualify you from benefits. LTD insurers may have similar thresholds....


> Denied long-term disability claim? An Evanston long-term disability attorney at Bartolic Law can help. Learn the steps to appeal and secure your benefits.

- Published: 2025-08-25
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/what-happens-if-you-can-no-longer-work-but-your-long-term-disability-claim-is-denied/

Facing a denied long-term disability (LTD) claim when you’re unable to work can be overwhelming. This scenario often brings financial uncertainty and emotional distress, as you’re left wondering how to secure the benefits you deserve. At Bartolic Law, we understand this frustration and are here to guide you. If you’ve received a denial, you still have options. Taking the right steps immediately can greatly increase the likelihood of a successful appeal. Why Claims Are Often Denied Before moving forward, it’s helpful to understand why claims are denied in the first place. Common reasons include: Insufficient Medical Evidence Some claims are rejected because the submitted medical documents fail to demonstrate how your condition impacts your ability to work. Policy Exclusions and Limitations Insurance policies often contain fine print that excludes certain conditions or imposes limitations on approval criteria. Missed Deadlines Submitting incomplete paperwork or failing to adhere to strict deadlines can lead to an automatic denial. Misinterpretation of Job Duties Insurers might assume your role is sedentary or less demanding than it actually is, undercutting the severity of your condition. Knowing the reason for your denial is crucial in forming the foundation of a strong appeal. Steps to Take After Receiving a Denial The denial of your LTD claim is not the end of the road. Follow these critical steps to build a successful appeal: 1. Carefully Review Your Denial Letter Understand the specific reason(s) for the denial. Take note of the appeal deadline, usually 180 days, listed in your insurer’s...


- Published: 2025-08-24
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/can-you-recover-attorneys-fees-for-winning-your-long-term-disability-appeal/

Employees in Chicago and around the rest of the county with denied or terminated claims for long-term disability insurance often want to know whether they can recover the attorney’s fees they incur to get their claim back in pay status. The short answer is that you cannot recover attorney’s fees you incur for successfully appealing a long-term disability insurance denial or termination, but you can recover attorney’s fees for time spent in litigation over a denial or termination of the long-term disability benefits. A recent case highlighted this distinction and its rationale. In Stark v. Reliance Standard Life Insurance Co. , No. 24-6137, 2025 WL 1872420 (10th Cir. Jul. 8, 2025), Stark was the mother and legal guardian of the insured, Jill Finley. In 2007, Finley suffered a brain injury leaving her unable to work anymore. Finley claimed and received long-term disability insurance benefits under her employer’s group insurance policy, insured by Reliance Standard. Fifteen years into paying long-term disability benefits, Reliance Standard terminated those benefits contending recent evidence did not support continued disability. Stark hired an attorney for her daughter who successfully appealed the benefit termination, convincing Reliance Standard to reinstate the long-term disability insurance benefits. The attorney specifically requested Reliance Standard reimburse Finley for the attorney’s fees she incurred to get her benefits reinstated. Reliance refused. Stark then sued under ERISA § 502(a) for the attorney’s fees. The United States Court of Appeals for the Tenth Circuit explained that while a plaintiff can recover attorney’s fees and costs...


- Published: 2025-08-21
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/can-you-collect-long-term-disability-insurance-while-living-in-another-country/

Employees in Chicago and the rest of Illinois receiving long-term disability insurance benefits generally have less income than they did when they were working. Most long-term disability insurance policies pay 60% of pre-disability earnings, and most of the time the pre-disability earnings counted for the benefits considers only base salary and does not include bonuses. The result is a 40% or more loss of income while on long-term disability. Not surprisingly, many people receiving those long-term disability insurance benefits consider living in a lower cost of living area. Some even consider moving to another country. That raises the question of whether you can continue receiving the long-term disability benefits if you live in another country. Some policies are silent about this, while others have restrictions on your ability to move to another country. Not checking your policy before you move could be fatal, as one insured recently learned. In Archer v. Unum Life Insurance Co. of America, No. 2:23-cv-1128-LK, 2025 WL 2107491 (W. D. Wash. Jul. 28, 2025), Archer used to work as a nurse. After a combination of ailments rendered her unable to continue working, she claimed long-term disability insurance benefits under her employer’s group long-term disability insurance policy, insured by Unum. Unum did not challenge that Archer was disabled. But about 8 years after commencing disability benefits, Archer moved to Mexico. A year later she disclosed her new address to Unum in annual updates. Unum notified Archer her eligibility for benefits ceased because she had been living in...


> Struggling to prove disability in a tech role? Bartolic Law, your Oak Park long term disability attorney, secures benefits for tech professionals. Let us help.

- Published: 2025-08-20
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/proving-disability-for-tech-workers-in-specialized-roles/

Proving disability in the tech industry can be uniquely complex. For many highly skilled professionals, their roles involve niche knowledge and tasks that are difficult to quantify. When disability strikes, navigating a claim often requires more than presenting medical records; it demands a deep understanding of both legal frameworks and the intricacies of the tech sector. At Bartolic Law, we’re here to help you overcome these challenges and secure the support you deserve. The Unique Demands of Tech Roles Tech professionals engage in work that is often mentally and physically demanding. From 12-hour coding marathons to high-pressure troubleshooting responsibilities, these roles require sustained concentration, precision, and adaptability. Disabilities such as carpal tunnel syndrome, migraines, or mental health conditions can significantly hinder performance. For example: An IT technician with chronic wrist pain may struggle with frequent keyboard use, leading to errors and reduced productivity. A software developer managing debilitating migraines may find it impossible to meet tight deadlines or focus on complex programming tasks. Recognizing how illnesses impact job-specific tasks is critical when proving disability in these cases. The Legal Complexities Unlike other professions, tech workers operate in a domain that often relies on intangible outputs, lines of code, system optimizations, or strategic IT solutions. This makes it challenging to establish clear disability impacts without legal guidance. Some common legal hurdles include: “Own Occupation” vs. “Any Occupation” Standards Proving that a disability prevents you from performing your current tech role (own occupation) or transitioning to another role (any occupation) requires thorough...


> Learn how chronic illnesses like cancer or MS are covered by LTD insurance. Get guidance from a Chicago long-term disability lawyer at Bartolic Law.

- Published: 2025-08-17
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/does-long-term-disability-insurance-cover-chronic-illnesses-like-cancer-or-ms/

Living with a chronic illness like cancer or multiple sclerosis (MS) can be overwhelming, particularly when it impacts your ability to work and earn a living. Long-term disability (LTD) insurance is designed to provide financial support in situations like these, but many policyholders wonder whether chronic illnesses qualify for coverage. At Bartolic Law, we've seen how important LTD insurance can be for individuals facing these health challenges. This blog post breaks down key aspects of LTD coverage for chronic illnesses to help you understand your rights and options. Understanding Long-Term Disability Coverage LTD insurance provides income replacement if you're unable to work due to a severe illness or injury. For chronic illnesses such as cancer or MS, policies often acknowledge the long-term nature of these conditions. However, coverage ultimately depends on the specifics of your LTD policy, including: Policy Definitions: Review the definition of "disability" in your policy. Some policies require you to prove you can't perform duties of your previous job ("own occupation"), while others may cover you only if you're unable to perform any occupation ("any occupation"). Medical Documentation: Insurers typically require detailed medical records to verify the severity of your condition, including its impact on your ability to work. Exclusions or Pre-Existing Conditions: Policies may exclude coverage if your illness is classified as a pre-existing condition. However, legal guidance can often help challenge these denials. Common Misconceptions About Chronic Illness Coverage Many policyholders are uncertain about what their LTD insurance will or won't cover. Here are some...


> Learn the requirements for appealing a long-term disability. For reliable guidance, contact a Chicago long-term disability appeals attorney at Bartolic Law.

- Published: 2025-08-03
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/what-should-i-know-about-appealing-a-long-term-disability-denial-without-an-attorney/

Receiving a denial for your Long-Term Disability (LTD) claim can feel discouraging, especially during a time when financial stability is crucial. While appealing the decision without legal assistance is possible, navigating the process requires diligence, organization, and a clear understanding of your rights. Our team at Bartolic Law recommends considering the following factors before deciding to handle your appeal alone. Understanding the Denial Letter Your first step is to carefully review the denial letter from your insurance company. This document provides essential details about: The reason for denial: Common reasons include insufficient medical evidence, policy exclusions, or incomplete documentation. Filing deadlines: The appeal deadline is typically 180 days from the date of the denial notice. Missing this critical timeline may jeopardize your right to appeal. Policy guidelines: The denial letter should outline specific terms of your policy and how they were applied to your claim. Highlight any unclear language or inconsistencies in the denial, as these could be critical to your appeal. Gathering Necessary Documentation A robust appeal starts with submitting strong evidence to challenge the denial. Be thorough in organizing your records to build your case: Medical records: Ensure your medical files accurately document your condition, treatment plans, and physical or mental limitations. Doctors’ statements: Request detailed opinions from treating physicians that support your inability to work. Work history: Include proof of job responsibilities that your condition prevents you from fulfilling. Insurance policy: Review your policy’s language to confirm how its terms apply to your case. Take time to...


> Missed your ERISA appeal deadline? Learn about potential remedies and how a Glenview ERISA attorney at Bartolic Law can help you navigate your options.

- Published: 2025-07-20
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/what-happens-if-i-miss-the-erisa-appeal-deadline/

Missing the deadline to file an appeal for your denied ERISA benefits claim can feel like the end of the road. The Employee Retirement Income Security Act (ERISA) provides strict guidelines for appealing benefit denials, including tight deadlines. While the situation may seem dire, understanding the potential consequences and exploring any available remedies can help you regain control and move forward. Bartolic Law understands ERISA law, and we are here to help guide you through the process. The Consequences of Missing an Appeal Deadline Under ERISA, when a claim for benefits is denied, you have a limited time to file an appeal, typically 180 days from the date of the denial. Missing this deadline can have serious implications: Loss of Rights to Appeal If you don’t submit your reconsideration request within the specified timeframe, the insurer has no obligation to review your case further. This could mean a permanent closure of your claim. Potential Legal Barriers Filing a lawsuit without completing the mandatory appeal process may lead to the court dismissing your case. ERISA laws require the exhaustion of administrative remedies through appeals before pursuing litigation. Financial Setbacks Without a successful appeal or legal recourse, you may lose access to critical benefits meant to support your expenses during a long-term disability. These outcomes make it essential to treat the ERISA appeal deadline as a priority. Are There Any Exceptions to the Deadline? While the deadlines are firm, certain exceptions or remedies may apply depending on your circumstances. These include: Equitable...


> Get help with mental health-related disability claims from a trusted Chicago long-term disability lawyer. Bartolic Law turns denials into approvals. Contact us today.

- Published: 2025-07-08
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/are-mental-health-conditions-covered-under-long-term-disability-insurance/

Yes, mental health conditions are often covered under long-term disability (LTD) insurance policies. However, the specifics depend on the terms of your policy and the nature of your condition. Here’s a quick summary: Many policies provide coverage for mental health conditions, such as anxiety, depression, PTSD, and bipolar disorder. Limitations on benefits may apply, such as a maximum 24-month payout for mental health-related claims. Filing a claim for mental health conditions can present unique challenges, especially when insurers question the severity or legitimacy of the condition. At Bartolic Law, we have extensive experience with mental health-related disability claims, and we are well-equipped to handle these challenges. We understand the nuances of mental health conditions and the importance of gathering strong medical evidence to support your claim. Coverage for Mental Health Conditions Under LTD Insurance Most LTD insurance policies explicitly include mental health conditions, but the scope of coverage can vary widely. Policies typically define “disability” based on your inability to perform the duties of your job due to a qualifying medical condition. For mental health, this can mean demonstrating that your condition significantly impacts your daily functioning or ability to work. A key distinction is whether your policy includes a mental health limitation clause, which caps benefits for psychiatric conditions at 24 months. If such a clause applies, conditions like major depression or anxiety disorders might only receive benefits for two years, even if the condition persists. Policies can sometimes exclude particular disorders outright, so reviewing your plan’s specific terms...


> Learn the difference between short-term and long-term disability insurance. If your long-term disability claim was denied, Bartolic Law, your trusted La Grange long-term disability lawyer can help secure your benefits.

- Published: 2025-06-24
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/what-is-the-difference-between-short-term-and-long-term-disability-insurance/

Understanding the differences between short-term and long-term disability insurance is crucial for individuals planning to safeguard their financial future in the event of an illness or injury. While both cover loss of income due to disability, they vary in terms of coverage periods, benefits, and purpose. Here’s a brief summary of the main differences: Coverage Duration: Short-term disability typically lasts from a few weeks to six months. Long-term disability can provide benefits for several years or until retirement age. Waiting Period: Short-term insurance has short waiting periods, often a few days to two weeks. Long-term insurance has longer waiting periods, usually 90 days or more. Benefit Amount: Short-term plans replace a higher percentage of lost income, often up to 70%. Long-term plans typically cover 50% to 60% of pre-disability earnings. Applicability: Short-term is suitable for temporary conditions, like recovery after surgery or childbirth. Long-term is intended for prolonged or permanent disabilities, such as chronic illnesses or severe injuries. At Bartolic Law, we understand the complexities and nuances of long-term disability insurance. Our team has years of experience in appealing denied claims, providing tailored legal strategies to ensure success. We recognize the financial and emotional impact of a denied claim, and our goal is to help individuals secure the benefits they are entitled to. Short-Term Disability Insurance Short-term disability insurance is designed to bridge the income gap when someone is temporarily unable to work due to injury, illness, or other qualifying conditions. This type of insurance often starts paying benefits shortly...


> If your ERISA claim has been denied, a La Grange ERISA lawyer from Bartolic Law can help. Learn how legal representation can improve your chances of securing the benefits you deserve.

- Published: 2025-06-09
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/should-i-seek-legal-representation-for-a-denied-erisa-claim/

Facing a denied ERISA claim can be frustrating and overwhelming, especially during a time when you’re already dealing with a disabling health condition. Understanding what ERISA claims are and why denials happen is the first step in determining the right course of action. Legal representation can make all the difference in turning that denial into the benefits you deserve. Bartolic Law has been helping clients navigate the complexities of ERISA claims for over a decade, and here are some reasons why seeking legal representation may be in your best interest. What Are ERISA Claims? The Employee Retirement Income Security Act (ERISA) is a federal law that governs employee benefit plans, including long-term disability (LTD) policies provided by employers. If you become disabled and unable to work, these policies are meant to provide financial security during a challenging time. When you file a disability claim under an employer-sponsored plan, ERISA regulates how the insurance company or plan administrator manages your request. This law also gives you the right to appeal if your claim is denied. However, the process is complicated and heavily favors insurers. Denials can often feel like a roadblock, but they’re not the end of the road. Why Are ERISA Claims Denied? Understanding the reasons behind claim denials by insurance companies is essential for crafting a compelling appeal. Common reasons for denial include: Insufficient Medical Evidence: The insurer may argue that your medical records don’t adequately show the severity of your condition. Policy Limitations: Some policies exclude certain conditions,...


> Learn how psychological conditions are evaluated in long-term disability claims. Contact a Glenview long-term disability attorney at Bartolic Law for guidance.

- Published: 2025-06-01
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/how-are-psychological-conditions-evaluated-in-long-term-disability-cases/

When it comes to filing a long-term disability (LTD) claim, understanding how psychological conditions are evaluated is critical. Psychological conditions often carry a stigma, and many claimants worry about whether their struggles will be taken seriously. However, these conditions can be just as debilitating as physical illnesses, affecting your ability to perform daily activities and maintain employment. In this blog, Bartolic Law aims to empower you with knowledge about the evaluation process, helping you advocate for the benefits you rightfully deserve. The Importance of Psychological Evaluations in LTD Claims Psychological conditions like depression, anxiety, and post-traumatic stress disorder (PTSD) are some of the most common reasons individuals file for LTD benefits. Unfortunately, mental health issues can often be harder to prove compared to physical impairments, largely because they lack obvious physical evidence like lab results or imaging tests. Insurers might question the severity of your condition or attribute your challenges to temporary stress. This makes it essential to understand what insurers look for, how evidence is evaluated, and what you can do to strengthen your claim. How the Evaluation Process Works Long-term disability insurers typically assess psychological conditions using a combination of medical evidence, clinical evaluations, and documentation of your daily life. Below is a breakdown of the key components: 1. Medical Documentation Your treating physician or psychiatrist plays a crucial role. Their diagnoses, treatment records, and specific examples of how your condition impacts your functionality serve as primary evidence. For example, a psychiatrist noting that your depression causes an...


> Get reliable guidance from a Chicago long-term disability appeals attorney. Bartolic Law can help overturn denials and secure the benefits you deserve.

- Published: 2025-05-06
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/common-misconceptions-about-long-term-disability-appeals/

The long-term disability appeal process can be both overwhelming and confusing, especially when faced with misinformation. Unfortunately, misconceptions about this process often lead individuals to make avoidable mistakes that can jeopardize their claims. At Bartolic Law, we understand the importance of accurate information. Our aim is to provide clarity and help you secure the benefits you've earned. Misconception 1: The Insurance Company's Denial Is Final One of the most widespread beliefs is that an insurer's initial denial of long-term disability benefits marks the end of the process. It's easy to feel discouraged after receiving a denial letter, but this is not the final word. Denials are often just the start of the process. Insurance companies operate for profit, which means they sometimes reject valid claims to protect their bottom line. They expect many claimants to give up at this stage. However, under ERISA regulations, you have the legal right to appeal within a specific timeframe. Why This Misconception Exists Insurance companies often use intimidating language in their denial letters, making it seem as though your case holds no merit. This tactic discourages further action. The Truth With the right evidence and strategy, many denials can be successfully overturned. For instance, if a claim was rejected due to "insufficient medical evidence," gathering additional physician reports and submitting video evidence of their daily struggles, it is possible to secure a reversal and full benefits. Misconception 2: You Only Need Medical Records to Win an Appeal Claimants often believe their physicians' medical records...


> Learn why ERISA claim deadlines matter and how missing them can impact your benefits. Contact a Chicago ERISA attorney at Bartolic Law for help navigating your claim.

- Published: 2025-04-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/do-erisa-claim-deadlines-matter/

When it comes to filing an ERISA claim, deadlines are not just important; they are critical. Overlooking these deadlines can mean forfeiting the benefits you’ve worked so hard to earn. This is why understanding and adhering to these time limits isn’t just a formality but a fundamental aspect of navigating your claim successfully. What Are ERISA Deadlines? ERISA, or the Employee Retirement Income Security Act, governs employee benefits such as disability, life, and health insurance provided through an employer. If your claim for benefits is denied, ERISA provides you with a legal framework to appeal that decision. However, this framework is time-sensitive. Deadlines can dictate when you must file your claim, submit an appeal, or take your case to court. These deadlines are set by the terms of your benefit plan and federal law. For instance, if your long-term disability claim is denied, your plan likely requires you to submit an appeal within 180 days of receiving the denial letter. Missing this window bars you from pursuing your claim further with the insurance company. If the claim is still denied after appeal, you typically have a limited timeline (often one to three years, depending on the plan) to file a lawsuit. Why Deadlines Matter To see just how critical these deadlines are, imagine you’ve been denied long-term disability benefits after being diagnosed with a debilitating condition. You receive a denial letter outlining the reasons and stating you have 180 days to appeal. Life may feel overwhelming at this stage, with...


> Need help with long-term disability benefits? Contact our Skokie long term disability lawyers today for a consultation and guidance on your claim.

- Published: 2025-04-21
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/how-much-does-long-term-disability-pay-2/

Do you have long-term disability insurance coverage from your employer or your spouse’s employer? Your policy is regulated by a federal law called Employee Retirement Income Security Act (ERISA). The policy document should clarify how many benefits you will receive if you qualify. In most cases, long-term disability pays between 50% and 80% of your pre-disability earnings. In this article, our Chicago long-term disability lawyer provides a more comprehensive overview of the key things to know about how much long-term disability insurance pays. Your Long-Term Disability Policy Will Determine a Rate of Pay How much does long-term disability pay? It depends largely on your specific policy. Long Term Disability (LTD) insurance policies often base their payout on a percentage of the policyholder's salary—most often, the benefit is between 50% and 80%. Benefits are designed to provide a safety net during a period of disability, so you can continue to support yourself and your family. Remember, the specific percentage varies based on the terms of the policy, so you need to carefully review your plan's details. You May Be Entitled to Partial Disability Benefits If You Can Continue Working Part-Time Partial disability benefits are designed for individuals who can still work but cannot put in the same amount of hours as before due to their disability. It is called a "residual disability. " Insurers may reduce the benefits proportionally based on the decrease in earnings. For instance, if your earnings have dropped by 70% due to the disability, you may receive...


> Learn how credible medical expert opinions can strengthen your Chicago ERISA claim. Bartolic Law leverages detailed analysis to fight denied benefits and build a strong case for you.

- Published: 2025-04-07
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/what-is-the-importance-of-medical-expert-opinions-in-erisa-claims/

If you're involved in an ERISA claim, you already know the stakes are high. These claims often involve long-term disability benefits, health insurance disputes, or retirement plan benefits — issues that directly impact your financial security and well-being. Yet, the road to a successful ERISA claim is rarely straightforward. One key factor that plays a critical role in these cases is the inclusion of strong, credible medical expert opinions. At Bartolic Law, we understand the importance of medical expert opinions and their impact on ERISA claims, and we're here to guide you through the process. Why are Medical Expert Opinions So Important? Simply put, they can make or break your case. When pursuing a disability claim under ERISA, your medical records are not always enough to convince an insurance company or a court that your condition qualifies for benefits. Insurance companies are often skeptical, using their own hired experts to question the severity of your condition or suggest alternative explanations. This can leave you, as the claimant, fighting an uphill battle. A well-prepared medical expert opinion can tip the balance in your favor. The Value of Detailed Medical Analysis Medical experts provide a clear, detailed analysis of your condition. They don't just acknowledge what your medical records show — they interpret them, providing context and explaining why your symptoms prevent you from returning to work. For example, in cases involving chronic pain conditions like fibromyalgia or Complex Regional Pain Syndrome, it's not uncommon for insurance companies to dismiss claims due...


> Learn how to strengthen your Chicago disability benefits appeal with practical tips and professional guidance from Bartolic Law to maximize your chances of success.

- Published: 2025-03-24
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/what-should-i-include-in-a-long-term-disability-appeal-letter/

A denied long-term disability claim can feel overwhelming, but it's crucial to remember that a denial is not the end of the road. At Bartolic Law, we've guided countless clients through the appeal process. Every appeal demands careful attention to detail, accuracy, and a persuasive approach that challenges the insurer's decision. Your appeal letter must present strong evidence and a well-constructed argument, as this may be your last opportunity to include critical information before litigation. 1. Medical Evidence is the Foundation The heart of every successful appeal is solid medical evidence. Insurers often deny claims by arguing that the medical records don't sufficiently support a disability claim. To counter this, your appeal letter must include: Updated and comprehensive medical records from all treating providers. Clear statements from your doctors detailing your condition, its limitations, and how it prevents you from fulfilling your job duties. For example, your physician might explain that prolonged sitting exacerbates your chronic back pain or that your mental health condition causes concentration issues incompatible with your role. Results from relevant tests, imaging, or studies that validate your diagnosis and impairments. Insurers rely heavily on the information in your medical file. If gaps or ambiguities exist, we can help you bridge them by working closely with doctors and specialists to ensure their opinions are concise, credible, and tailored to address the insurer's concerns. 2. Address the Insurer's Denial Reasons Head-On One of the most common mistakes people make is ignoring the specifics in the denial letter. Insurers...


> Learn how to effectively handle ERISA claim denials in Chicago with these practical tips and see how Bartolic Law can provide guidance to secure your benefits.

- Published: 2025-03-04
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/what-role-do-administrative-remedies-have-in-erisa-cases/

The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law designed to regulate and safeguard employee benefit plans, including retirement plans, health insurance, and long-term disability insurance. For individuals, ERISA offers vital protections by ensuring accountability and transparency from plan administrators. However, when disputes arise—such as a denied claim for benefits—claimants must first exhaust administrative remedies before seeking resolution in court. These remedies serve a significant purpose in ERISA cases and require careful navigation. What Are Administrative Remedies in ERISA? Administrative remedies refer to the required steps claimants must take within their own benefit plan’s internal review process before escalating their case to litigation. Under ERISA, all covered plans must offer a process for participants to appeal benefit denials. This typically involves gathering evidence, submitting detailed appeals, and giving the plan a chance to reconsider the denial. For example, if your claim for long-term disability benefits is denied, your administrative remedy involves filing an appeal directly with your insurer. This process is designed to give the plan another opportunity to review its decision and consider any new evidence supporting the validity of your claim. Why Are Administrative Remedies Important? Exhausting administrative remedies is a crucial step in ERISA cases because federal law generally mandates that claimants take this step before filing suit. Courts often dismiss cases where this requirement is not met. Why? The intent behind this rule is to allow for a fair, internal resolution without overburdening the judicial system. These processes also create a record—a...


> Learn how to protect your employee benefits under ERISA, address denied claims, and take action with legal guidance from Bartolic Law. Call our Oak Park ERISA attorney for legal help.

- Published: 2025-02-18
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/what-happens-if-your-employer-fails-to-comply-with-erisa-regulations/

The Employee Retirement Income Security Act (ERISA) was established to protect the retirement and health benefits of employees. From overseeing pension plans to safeguarding health insurance coverage, the law promotes transparency, fairness, and accountability in administering these crucial benefits. But what happens if your employer falls short of meeting ERISA's requirements? Here's what you need to know. Understanding ERISA and Its Importance ERISA is a federal law enacted in 1974 covering most private-sector employee benefit plans. It ensures employees receive the benefits they've been promised by requiring employers to provide clear information, act in employees' best interests, and meet specific legal standards when managing benefit plans. For employees, ERISA provides peace of mind, knowing someone is watching to ensure retirement savings, health coverage, and other benefits are secure. For employers, compliance is a way to build trust, maintain a productive workforce, and avoid legal repercussions. Common ERISA Compliance Issues Even with its critical importance, ERISA can be complex, and many employers unintentionally or intentionally fail to comply. Some common issues include: Mismanagement of plan funds – Employers must act as fiduciaries, meaning they must manage benefits responsibly and in the best interest of participants. Mishandling funds is a frequent problem. Failure to provide required disclosures – ERISA mandates that employers give employees updated and clear information about their benefit plans, often through Summary Plan Descriptions (SPDs) and annual reports. Delayed benefits payments – Employers can't arbitrarily withhold or delay benefits. Doing so violates employees' rights. Retaliation against employees – If...


> Facing a relapse after returning to work? A Chicago long term disability attorney from Bartolic Law can help you understand your rights and secure the support you deserve.

- Published: 2025-01-26
- Modified: 2026-06-16
- URL: https://www.chicagodisabilitylawyers.com/what-happens-if-you-have-a-relapse-after-returning-to-work-on-long-term-disability/

Returning to work after receiving long-term disability (LTD) benefits is often a positive step forward. It can signify progress in managing your condition and regaining stability. However, for many individuals, the transition back to work is not without challenges. One of those challenges may involve experiencing a relapse—when your condition worsens, or symptoms resurface—after resuming employment. If you find yourself in this situation, understanding your rights and options is vital to ensure continued financial security. Returning to Work After Long-Term Disability When you return to work after receiving LTD benefits, most insurance policies offer programs designed to ease you back into your role. These may include work accommodations, reduced hours, or a "return-to-work incentive. " The aim is to gradually integrate you back into the workforce while safeguarding your health. However, returning to work doesn't mean your LTD benefits are automatically gone forever. Many group disability insurance policies have a built-in feature referred to as a "recurrence clause" or "relapse provision. " This clause typically allows you to resume benefits without restarting the claims process if your condition deteriorates again within a set timeframe—usually six months to a year after you resume work. It's critical to review your policy for the specifics of this provision before returning to work. What Is a Relapse, and How Does It Impact Your Benefits? A relapse generally means the recurrence of a disability, illness, or injury that initially qualified you for LTD benefits. For example, if you returned to work following treatment for a...


> Unlock the path to securing your Oak Park disability benefits with Bartolic Law. Contact us today for trusted advocacy and maximize your chances of a successful outcome.

- Published: 2025-01-12
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-evidence-helps-with-disability-claims/

When it comes to securing long-term disability benefits, the strength of your evidence can mean the difference between an approval and a denial. Insurance companies are looking for clear, detailed proof that supports your claim and demonstrates your inability to perform job-related functions due to a disabling condition. Understanding what evidence is considered persuasive and how to present it effectively can significantly impact the outcome of your case. At Bartolic Law, we have extensive experience in helping clients gather and present compelling evidence to support their disability claims. Why Strong Evidence Matters Insurance companies are often quick to deny claims, interpreting any gaps or ambiguity in your evidence as reasons to reject your application. The burden of proof lies on the claimant to demonstrate not only the existence of a medical condition but also its impact on their ability to work. Without robust evidence, even valid claims may face denial. That's why collecting, organizing, and analyzing comprehensive documentation is essential. Types of Evidence That Strengthen Your Disability Claim To build a compelling case, focus on these key categories of evidence: Medical Records Medical records form the backbone of any long-term disability claim. These documents provide objective evidence of your condition, including: Diagnosis – Clearly stating the specific medical condition(s) causing your disability. Treatment History – Notes from your healthcare provider about treatments, medications, and their effects. Functional Limitations – Results from physical tests, psychiatric evaluations, or imaging studies (e. g. , MRIs or X-rays) that demonstrate your inability to perform...


> Discover vital tips about long-term disability insurance with Bartolic Law. A Glenview long-term disability lawyer can help safeguard your benefits and tackle claims with confidence.

- Published: 2025-01-08
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/top-questions-to-ask-about-your-long-term-disability-insurance-policy/

Long-term disability insurance can be a financial lifeline for individuals unable to work due to illness or injury. However, navigating these policies can feel overwhelming. Understanding your coverage, claim process, and potential pitfalls is critical to protecting your benefits. Here are seven essential questions to ask about your long-term disability insurance policy, with insights from Bartolic Law's extensive experience in resolving complex disability claims. What Does My Policy Cover? Different policies offer different definitions of "disability. " Some only cover disabilities that prevent you from performing your own job (", while others require that you're unable to perform any occupation. Review whether your policy covers partial disabilities or only total disabilities. For example, if you're a surgeon and can no longer practice due to a hand injury but can take on a desk job, the policy's definition of disability could determine whether you qualify for benefits. What Are the Waiting and Benefit Periods? Most policies have an elimination period (waiting period) before benefits begin—commonly 90 to 180 days after your disability starts. It's important to understand this timeline, as delays in filing can result in lost benefits. Additionally, confirm the duration of approved benefits. Some policies offer coverage only for a few years, while others continue payments until retirement age. Are There Limitations or Exclusions? Many individuals are caught off guard by policy exclusions. For example, some policies impose a 24-month cap on benefits for mental health conditions or self-reported symptoms like chronic pain. At Bartolic Law, we've helped clients...


> Get effective strategies from Bartolic Law to challenge denied long-term disability claims near Chicago and increase your chances of approval. Contact us to secure the benefits you deserve.

- Published: 2024-12-28
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-are-effective-ways-to-overturn-a-denied-long-term-disability-claim/

At Bartolic Law, we understand the frustration and stress that accompany the denial of a long-term disability (LTD) claim. After all, long-term disability benefits are meant to provide financial stability during times when serious health conditions make work impossible. With decades of experience handling LTD claims, appeals, and litigation, we have helped countless clients turn denials into approved payments. Below, we outline effective strategies to challenge a denied LTD claim and increase your chances of a successful appeal. Understanding Common Reasons for LTD Claim Denials Insurance companies often rely on a variety of reasons to deny long-term disability claims. Common issues include: Insufficient medical evidence: Claims are frequently denied due to a lack of updated medical records, insufficient documentation of functional limitations, or gaps in treatment history. Pre-existing condition exclusions: Insurers may deny claims based on conditions they allege existed before coverage began, even if unrelated to your disability. Failure to meet the policy's definition of disability: Many policies differentiate between "own occupation" and "any occupation" standards, leading to disputes about whether someone truly qualifies as disabled under the terms. Understanding why your claim was denied is the first step in effectively addressing the issue. Key Steps to Challenge a Claim Denial Review Your Denial Letter in Detail - Insurers are required to provide a written explanation of claim denials. Carefully read this letter to identify why your claim was denied and what evidence may be missing. Compile Strong Medical Evidence - A successful disability claim depends on comprehensive medical...


> Denied LTD benefits? Contact an Evanston long term disability attorney to ensure all evidence is submitted before litigation—don’t risk losing your claim.

- Published: 2024-12-20
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/put-forth-all-your-evidence-during-administrative-review-of-long-term-disability-claims/

Employees in Chicago and the rest of Illinois with claims for long-term disability insurance benefits frequently get frustrated with the long-term disability’s insurer’s requests for medical records and other evidence. Sometimes they request too much that is not particularly relevant to the issue of disability. Sometimes they do not request enough, only asking for evidence post-dating the disability date and ignoring significant medical history leading up to the disability date. But one thing is for certain; you want all the possible evidence supporting your claim submitted to the insurer before litigation, including your medical records, any doctor opinions, forensic test results, witness statements, etc. If the long-term disability insurer denies your claim and you must litigate it, you likely will not be able to introduce evidence you could have submitted to the insurer pre-litigation, as a recent case demonstrated. In Gray v. United of Omaha Life Insurance Co. , No. 24-700, 2024 WL 5001915 (9th Cir. Dec. 6, 2024), Gray filed a short-term and long-term disability claim, asserting she was unable to perform her duties as a supervisor and mental health therapist due to back pain and sharp pain in her arms and hands. Though Gray submitted attending physician statements attesting she was disabled due to lumbar radiculopathy, she only submitted four office visit note records. After United of Omaha terminated short-term disability benefits and denied long-term disability benefits, Gray appealed. United of Omaha upheld its decision on appeal, and Gray sued under ERISA § 502(a). On de novo review,...


> Doctor sided with the insurer? A Chicago long term disability attorney can help protect your claim with strong evidence and strategy. Don’t delay—get help now.

- Published: 2024-12-18
- Modified: 2026-06-22
- URL: https://www.chicagodisabilitylawyers.com/what-to-do-when-your-doctor-agrees-with-the-long-term-disability-insurers-opinion-you-can-work/

Employees in Chicago and the rest of Illinois with claims for long-term disability insurance benefits often encounter medical consultants on behalf of the long-term disability insurer contacting their treating physicians asking if the treating physician agrees with the insurer that you can go back to work. The insurers often use sneaky tactics to try to secure this agreement from your doctors, such as selectively representing medical records from other treating physicians, or misrepresenting the content of surveillance. Usually treating doctors do not respond to these sorts of requests, especially if they already rendered an opinion to the insurer regarding your work capacity. But sometimes they respond agreeing with the insurer. The following recent case demonstrates how devastating it can be to your claim when your doctor agrees with an insurance company’s doctor about your work capacity. In Black v. Unum Life Insurance Co. of America, No. 3:22-cv-2116, 2024 WL 4960010 (N. D. Tex. Dec. 2, 2024), Black went on disability leave in 2014 following complications from a gallbladder removal surgery. Unum insured the employer-sponsored long-term disability plan covering Black, and Unum approved the claim. After some years, Black developed thoracic outlet syndrome and symptoms remained disabling. In 2021, Black’s health began to improve and her doctors responded to requests from Unum agreeing Black could perform sedentary work. Unum then terminated the long-term disability benefits. After Rieger unsuccessfully appealed, she sued Unum under ERISA § 502(a). The United States District Court for the Northern District of Texas granted Unum summary judgment...


> Get insights on mental illness disability claims. Bartolic Law's long-term disability claim attorney in Chicago helps gather evidence, tackle evaluations, and protect your rights.

- Published: 2024-12-14
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/how-does-mental-illness-factor-into-long-term-disability-claims/

For long term disability claimants suffering from mental illness, the journey is often fraught with misconceptions and unique challenges that distinguish these cases from those involving purely physical conditions. Understanding these intricacies is crucial for successfully obtaining the benefits you deserve. Bartolic Law offers insight into how mental illness factors into long term disability claims. The Prevalence of Mental Illness and Disability According to the National Alliance on Mental Illness, one in five adults in the United States experiences mental illness each year. This equates to approximately 46. 6 million people living with conditions such as depression, anxiety disorders, bipolar disorder, and schizophrenia. Moreover, NAMI states that nearly one-third of all adult Americans living with mental illness report experiencing functional impairment related to their condition. This can include difficulty maintaining employment or performing daily activities necessary for independent living. These statistics highlight the impact that mental illness can have on an individual's ability to work and maintain financial stability. As such, it is essential for long term disability claimants with mental illness to understand their rights and pursue the benefits they are entitled to. Understanding the Complexities Mental illness in the disability law context is often misunderstood. A common misconception is that mental health conditions are less severe or debilitating than physical ailments. This bias can result in an underestimation of the impact mental illness has on an individual's ability to work. In reality, conditions such as depression, anxiety, PTSD, and bipolar disorder can be as incapacitating as physical disabilities,...


> Discover why ERISA claims get denied and how to build a stronger case. Bartolic Law provides legal guidance to help secure your benefits. Contact our Evanston ERISA lawyer today.

- Published: 2024-12-07
- Modified: 2026-06-23
- URL: https://www.chicagodisabilitylawyers.com/what-are-common-reasons-for-an-erisa-claim-denial/

The Employee Retirement Income Security Act (ERISA) was enacted in 1974 to protect employees' benefits in private industry. This law sets minimum standards for most voluntarily established pension and health plans, ensuring that employees are protected against fraud and mismanagement. ERISA is crucial because it requires plans to supply participants with information about plan features and funding, establishes fiduciary responsibilities for those who manage and control plan assets, and grants participants the right to sue for benefits and breaches of fiduciary duty. Despite these protections, ERISA claims can still be denied for a variety of reasons. Understanding these common reasons can help individuals better prepare their claims and increase their chances of approval. At Bartolic Law, we have handled numerous ERISA claim denials and are ready to help you appeal. 1. Insufficient Medical Evidence: One of the most frequent reasons for an ERISA claim denial is the failure to provide adequate medical evidence to support the claim. Insurance companies often require comprehensive documentation that clearly demonstrates your medical condition and its effect on your ability to work. For instance, a claimant with a disability due to chronic pain must submit detailed medical records, physician statements, and test results. In the case of Tassone v. United of Omaha Life Ins. Co. , the court awarded long-term disability benefits after finding that the insurer's doctor failed to provide objective evidence of functional impairment, highlighting the importance of thorough medical documentation. 2. Missed Deadlines: ERISA plans have strict deadlines for filing claims and...


> Paused treatment? You could risk your benefits. An Chicago ERISA attorney can help ensure your claim stays protected—call now to safeguard your coverage.

- Published: 2024-11-19
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/importance-of-maintaining-treatment-while-receiving-long-term-disability-benefits/

Employees in Chicago and the rest of Illinois with claims for long-term disability insurance benefits rarely are aware of a clause in the insurance policy that requires you be under appropriate care and treatment for your condition to receive disability benefits. This is not typically an issue when a claimant first makes a claim for long-term disability benefits, as they are trying to treat the condition and get better. But sometimes after somebody has been on claim and receiving benefits, they pause the treatment for a number of reasons. So what happens when you are on claim and pause treatment? A recent court decision showed an unfortunate result for the claimant. In Rieger v. Reliance Standard Life Insurance Co. , No. 23- 3714, 2024 WL 4664180 (D. N. J. Nov. 4, 2024), Rieger ceased working for Allergan, Inc. due to severe chronic migraines, complaining of more than 15 migraine days per month lasting more than 4 hours each. Reliance Standard Life Insurance Company approved the claim for long-term disability insurance benefits. But less than a year later, Reliance Standard terminated Rieger’s disability benefits, contending his condition improved. It highlighted that between October 2021 and February 2022, Rieger paused getting treatment, despite his medical records showing no change in his condition from the time he was approved for long-term disability benefits. After Rieger unsuccessfully appealed, he sued Reliance Standard under ERISA § 502(a). The United States District Court for the District of New Jersey considered cross motions for summary judgment, affording...


> Learn how to effectively prove chronic pain in disability insurance claims from Bartolic Law. Call our Chicago chronic pain claim lawyer to get the support you need and secure the benefits you deserve.

- Published: 2024-10-28
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/how-to-prove-chronic-pain-in-a-disability-insurance-claim/

Chronic pain is a persistent and often debilitating condition that affects millions of individuals worldwide. Unlike acute pain, which is temporary, chronic pain lingers for months or even years, significantly impacting daily life. Sufferers often struggle with performing everyday tasks, maintaining employment, and enjoying life due to continuous discomfort. This makes chronic pain not only a physical burden but also an emotional and financial one. For those seeking long-term disability benefits, proving the extent and impact of their chronic pain is critical. Understanding Chronic Pain and Its Impact Chronic pain can stem from various conditions, including back and spinal disorders, neuropathy, fibromyalgia, migraines, and more. Its effects are multifaceted, leading to reduced mobility, sleep disturbances, and mental health challenges such as depression and anxiety. These factors can drastically impair one's ability to work, making long-term disability insurance claims a vital resource for those affected. Building a Strong Disability Claim Successfully proving chronic pain in a disability claim requires meticulous preparation and documentation: Comprehensive Medical Documentation: Start by ensuring that all medical records clearly document your chronic pain condition. This includes diagnostic tests, treatment plans, and detailed notes from healthcare providers that specify the nature, frequency, duration, and intensity of your pain. Consistent documentation from various specialists, such as pain management experts and neurologists, strengthens your case. Functional Capacity Evaluation (FCE): Participate in an FCE if recommended by your medical team. This assessment provides objective data about your physical limitations and capabilities, offering concrete evidence to support your claim. Psychological Evaluations:...


> Bartolic Law reviews Reservation of Rights letters, providing insights to protect your rights. Contact our Evanston long term disability attorney to learn more.

- Published: 2024-10-14
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-does-a-reservation-of-rights-mean-for-my-long-term-disability-claim/

Long-term disability claims are complicated and often require the help of a knowledgeable attorney to navigate. An important factor that can impact your claim is a "Reservation of Rights" (RoR) letter from your insurance company. This legal concept often leaves claimants confused and uncertain about their future benefits. At Bartolic Law, we aim to demystify these concepts and provide you with the knowledge you need to navigate your disability claim effectively. What is a Reservation of Rights? A "Reservation of Rights" is a notification from your insurance company indicating that while they are currently approving your claim, they are reserving the right to deny it in the future. This means they are continuing their investigation and may require more information before making a final determination. Although receiving this notice can be unsettling, it's important to note that it is not an outright denial of your claim. Why Might an Insurer Issue a Reservation of Rights? Insurers often issue a Reservation of Rights because they need more time to evaluate the claim comprehensively. This can happen if they feel additional medical documentation or evidence is necessary to support your eligibility for benefits. It may also be due to policy provisions that might exclude or limit your claim, such as pre-existing conditions or specific policy exclusions. Implications of a Reservation of Rights Receiving a Reservation of Rights can have significant implications. While you may continue receiving benefits, there is a potential risk that the insurer might decide to retroactively deny your claim...


> Bartolic Law provides essential information for individuals filing long-term disability claims near Chicago due to pulmonary conditions. Contact us today for legal guidance.

- Published: 2024-09-25
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-to-know-about-filing-a-long-term-disability-claim-for-a-pulmonary-condition/

Filing a long-term disability claim for a pulmonary condition can be a complex process that requires careful documentation and an understanding of both medical requirements and insurance policies. Pulmonary conditions, which affect the lungs and breathing, can significantly impact an individual's ability to work and perform daily activities. It's essential to gather the necessary medical evidence and understand your rights to get through the claims process effectively. This guide aims to provide key information and insights that will help individuals seeking disability benefits for pulmonary-related issues navigate this challenging terrain with confidence. What are Pulmonary Disorders? Pulmonary disorders encompass a wide range of conditions that affect the lungs and the respiratory system. These conditions can significantly impair an individual's ability to perform daily tasks and maintain employment. Some of the most common pulmonary disorders include: Chronic Obstructive Pulmonary Disease (COPD) Asthma Pulmonary Fibrosis Pulmonary Hypertension Interstitial Lung Disease (ILD) Cystic Fibrosis Sleep Apnea Individuals with these conditions often face severe fatigue and shortness of breath, making it hard to maintain consistent productivity at work. Exposure to pollutants, dust, and chemicals can exacerbate symptoms, further limiting their ability to work in certain environments. Additionally, some may require supplemental oxygen or other medical devices, which can restrict mobility and job performance. Filing for Long-Term Disability Benefits Filing for long-term disability benefits can be a daunting process, especially for those dealing with pulmonary conditions. Here are the key steps and considerations: Gather Detailed Medical Records: Comprehensive medical documentation is crucial. This includes records...


> Maximize your chances of success in your disability claim by properly documenting your job duties. Contact the Chicago disability lawyers at Bartolic Law for assistance.

- Published: 2024-09-15
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/how-an-ltd-attorney-can-help-you-document-the-full-duties-of-your-occupation/

Long-term disability (LTD) claims are daunting, especially when it comes to documenting the full duties of your occupation. At Bartolic Law, we understand how crucial this step is in securing the benefits you deserve. Our experienced LTD attorney is here to guide you through the process, ensuring every detail of your occupational duties is accurately documented and presented. What is an Occupational Duty? An occupational duty refers to the tasks and responsibilities that are essential to your job. These duties may vary depending on your profession, but they are critical in determining whether you are eligible for LTD benefits or not. It is crucial to have a clear understanding of your occupational duties, as they will serve as the basis for your disability claim. Why Documenting Your Full Duties is Important When it comes to LTD claims, insurance companies often scrutinize every detail, and having a comprehensive record of your occupational duties can make all the difference. A well-documented list of your duties provides solid evidence that you are unable to perform them due to your disability. This documentation also helps prevent any misunderstandings or misconceptions about the nature and extent of your job responsibilities. How an LTD Attorney Can Assist Analysis: We will conduct a thorough analysis of your job duties. This includes reviewing job descriptions, postings, and any narratives provided by supervisors or human resources. If no formal job description exists, we'll work with you to create a detailed account of your responsibilities, including physical and cognitive demands,...


> Learn how to navigate the complexities of securing disability benefits for medication side effects with guidance from Bartolic Law. Contact our Chicago disability lawyer to get started.

- Published: 2024-09-07
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/can-you-collect-disability-benefits-for-medication-side-effects/

Medication side effects can be as debilitating as the underlying conditions they aim to treat. For many individuals, necessary medications come with side effects that significantly impair their ability to work. In this blog, we will explore the legal side of securing disability benefits for medication side effects and provide guidance on what to do if you experience these challenges. As Chicago’s trusted long-term disability firm, Bartolic Law is here to help you navigate this intricate process and secure the benefits you deserve. Overview of Disability Benefits Disability benefits aids provided to individuals who cannot work due to injury, illness, or chronic conditions. These benefits can come from various sources, including employer-sponsored disability insurance plans, Social Security Disability Insurance (SSDI), and Supplemental Security Income (SSI). SSDI is designed for people who have worked and contributed to the Social Security system, while SSI provides financial assistance based on need, regardless of work history. Understanding your eligibility and the type of disability benefits available is crucial. At Bartolic Law, we represent clients against major disability insurance companies, ensuring they receive the benefits they are entitled to. Legal Issues Surrounding Medication Side Effects Courts have consistently ruled that disability plan administrators must consider medication side effects when determining eligibility for benefits. Ignoring these effects can be grounds for reversal of a denial. However, the challenge is in proving that the side effects are severe enough to prevent you from working. In some cases, insurance companies may argue that alternative medications with fewer side...


> Learn how to avoid common mistakes when appealing a long-term disability denial in Chicago. Bartolic Law provides tips on how to secure your benefits with confidence.

- Published: 2024-08-24
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/common-mistakes-made-when-appealing-a-long-term-disability-denial/

When appealing a denied claim for long-term disability benefits, many individuals make critical mistakes that can significantly harm their chances of success. At Bartolic Law, we have seen these errors time and again and understand how to navigate the appeals process effectively. Here’s a guide to some common pitfalls and how to avoid them. Delaying the Appeal One of the most frequent mistakes is waiting too long to start the appeal process. Insurers typically allow only 180 days to file an appeal after a denial, which may seem like plenty of time. However, gathering the necessary medical records, obtaining expert opinions, and crafting a compelling appeal can take significant time. Tip: Begin working on your appeal immediately after receiving a denial notice. Early action allows sufficient time to build a robust case. Inadequate Medical Documentation Insurance companies often deny claims due to insufficient medical evidence. Relying solely on your treating physician’s notes without comprehensive documentation can weaken your appeal. Strategy: Ensure you have detailed, up-to-date medical records. Seek additional tests, if necessary, to substantiate your condition. Obtain written statements from treating physicians that clearly outline your limitations and inability to work. Not Understanding the Insurance Policy Many clients fail to thoroughly review their insurance policy, missing critical requirements or limitations that could impact their appeal. Solution: Carefully read your policy’s definitions, exclusions, and provisions. Pay particular attention to terms such as “disability,” “any occupation,” and “own occupation. ” Overlooking the Importance of Legal Representation Attempting to handle an appeal without...


> A Skokie long term disability attorney can help challenge vague denial letters and ensure your insurer complies with ERISA rules—don’t risk your claim. Call us today.

- Published: 2024-08-15
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/should-you-appeal-a-long-term-disability-denial-that-provides-no-explanation-for-the-denial/

Employees in Chicago and the rest of Illinois with claims for long-term disability insurance benefits often receive a denial from the insurer that contains little explanation of the basis for the denial. Frequently, the denial letter will state in conclusory fashion that the evidence does not show functional impairment from performing the material and substantial duties of the occupation, without discussing what those duties are. Such terse denial letters likely do not meet the notice requirements for an adverse benefit determination set by ERISA regulations, 29 C. F. R. § 2560. 503-1. The regulations state that if the insurer fails to strictly comply with the requirements of the regulation, administrative remedies are deemed exhausted and the claimant may proceed to litigation regarding the claim. In such a circumstance, should you appeal the deficient denial anyway, or file a lawsuit? A recent case revealed the pros and cons of each strategy. In Halleron v. Reliance Standard Life Insurance Co. , No. 22-cv-633, 2024 WL 3585139 (W. D. Ky. July 30, 2024), Halleron was a physician diagnosed with Postural Orthostatic Tachycardia Syndrome (“POTS”) and submitted claims for short-term disability and long-term disability benefits under employer-sponsored disability plans. Reliance Standard denied the short-term disability claim under a pre-existing condition exclusion, stating during the lookback period an office visit note documented fainting and tachycardia. But Reliance Standard gave no further explanation for why this met the pre-existing condition exclusion. Likewise, Reliance Standard denied the long-term disability claim without discussing Halleron’s treating doctor’s opinion she...


> Facing a denied disability claim? Our Chicago long term disability attorney fights back when insurers wrongly blame mental health for a disability caused by physical illness. Call today.

- Published: 2024-08-13
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/how-the-24-month-mental-illness-limitation-applies-when-your-long-term-disability-insurance-claim-contains-physical-and-mental-limitations/

Employees in Chicago and the rest of Illinois with claims for long-term disability insurance benefits often have claims based on physical ailments and mental illnesses, as well. It is incredibly common for long-term disability insurance policies to contain 24-month limitations on benefits paid where a mental illness causes or contributes to disability. But how does the limitation apply in the case of both physical and mental limitations affecting your ability to work? A recent case highlighted how courts apply these limitations in long-term disability insurance policies. In Weyer v. Reliance Standard Life Insurance Co. , No. 23-2862, 2024 WL 3577374 (8th Cir. July 30, 2024), Weyer suffered from a number of conditions, including chronic fatigue syndrome, Lyme Disease, migraine headaches, neurocognitive disorder, and brain fog, among others. She also had a history of anxiety and depression. When Weyer stopped working and claimed long-term disability insurance benefits, Reliance Standard approved the claim initially. However, when the policy’s definition of disability changed to the more stringent “any occupation” standard, Reliance Standard terminated benefits, contending Weyer could perform sedentary work and that her mental illness contributed to her disability. After Weyer unsuccessfully appealed, she sued Reliance Standard under ERISA § 502(a). The United States Court of Appeals for the Eighth Circuit reviewed the district court’s grant of summary judgment to Weyer under de novo review. The Eighth Circuit found no clear error—the standard of appellate review following a de novo review by the District Court—in the District Court’s findings that there was overwhelming...


> Employees in Illinois may face denials of long-term disability benefits if they fail to follow up with their doctors. Our Chicago long term disability attorneys can help protect your rights.

- Published: 2024-08-08
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/importance-of-regularly-attending-doctor-appointments-to-support-your-long-term-disability-claim/

Employees in Chicago and the rest of Illinois with claims for long-term disability insurance benefits rarely read the insurance policies or certificates of insurance outlining the benefits under the employer-sponsored plan. Benefit highlights distributed by the employer describing the benefits almost never discuss a key provision of the coverage: the requirement you be under the Regular Care of a Physician. How this clause is defined varies from policy to policy, but essentially it requires you be consistently getting treatment for your disabling condition. The purpose of such requirements in long-term disability policies has been described as to confirm the claimant is actually disabled, not malingering, and to prevent fraudulent claims. Heller v. Equitable Life Assurance Soc’y of U. S. , 833 F. 2d 1253, 1257 (7th Cir. 1987). A recent case demonstrates the pitfalls of not attending follow-up appointments recommended by your doctors. In Slaughter v. Hartford Life & Accident Insurance Co. , No. 22-cv-5787, 2024 WL 3251371 (N. D. Ill. July 1, 2024), Slaughter was a cybersecurity systems engineer at Boeing, and in August 2020 went to the Emergency Room with complaints of chest pain and shortness of breath. He had an ejection fraction of 8%, resulting in very severe left systolic dysfunction. After undergoing surgery, Slaughter submitted a claim for long-term disability benefits to Boeing’s insurer, Hartford. Hartford denied the claim, contending Slaughter could perform sedentary work, which was required of his occupation. After Slaughter unsuccessfully appealed, he sued Hartford under ERISA § 502(a). The United States District...


> Facing a denied long-term disability claim? A recent case highlights the importance of timely access to new evidence. Call our Glenview long term disability lawyer today.

- Published: 2024-08-06
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/long-term-disability-insurers-must-provide-you-new-evidence-in-advance-of-the-deadline-to-decide-your-appeal/

Employees in Chicago and the rest of Illinois with claims for long-term disability insurance benefits often contact us after performing their own appeals of a denial or termination of a claim, and upon receiving a notice from the insurer providing time to review and respond to new information generated in reviewing the claimant’s appeal. This notice is a result of 2018 amendments to ERISA’s claims procedure regulations providing that before a plan can issue an adverse decision on review of an appeal, it must provide the claimant with any new evidence “as soon as possible and sufficiently in advance of the date on which the notice of adverse benefit determination on review is required to be provided ... . ” 29 C. F. R. § 2560. 503-1(h)(4)(i). But what happens if a long-term disability insurer does not provide that new evidence, or does not provide it in advance of the decision upholding an adverse benefit determination? A recent case demonstrates how courts treat this failure under the regulations. In Sami v. The Guardian Life Insurance Co. of America, No. 23-20168, 2024 WL 3495322 (S. D. Fla. July 22, 2024), Sami suffered a transient ischemic attack and ceased working as a shipping supervisor. He claimed long-term disability benefits under his employer-sponsored group long-term disability insurance policy insured by Guardian. Guardian approved the claim initially, concluding Sami was disabled from his own occupation. But after Sami received benefits for two years, the policy’s definition of disability changed to require Sami demonstrate he...


> Bartolic Law explores proof of loss in Chicago ERISA long-term disability claims. Contact us to learn how we can assist in securing your benefits.

- Published: 2024-08-02
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-is-proof-of-loss-in-erisa-long-term-disability-claims/

ERISA long-term disability insurance claims can be daunting, particularly when it comes to understanding the concept of "proof of loss. " In this post, we'll explore what constitutes proof of loss, its significance in ERISA claims, and essential elements that should be included. We'll also highlight Bartolic Law's experience in handling such cases, ensuring you have a clear understanding of this critical component in your disability claim process. Understanding Proof of Loss Proof of loss is a formal statement provided by a claimant to an insurance company detailing the extent of a disability and substantiating the claim for benefits. It serves as the claimant's evidence that they meet the policy's criteria for long-term disability. Under ERISA (Employee Retirement Income Security Act), claimants are required to submit proof of loss within a specified timeframe to initiate the benefit payment process. Importance of Proof of Loss in ERISA Claims Submitting comprehensive proof of loss is crucial in ERISA long-term disability claims for several reasons: Initiates Claim Process: Proof of loss triggers the insurance company's obligation to review and process the claim. Establishes Eligibility: It demonstrates that the claimant meets the policy's definition of disability. Prevents Denials: Proper documentation can prevent common reasons for denial, such as insufficient evidence or administrative errors. Aids in Litigation: Detailed proof of loss strengthens a claimant's position in the event of litigation. Key Components of Proof of Loss To ensure your proof of loss is robust and comprehensive, it should include the following elements: Medical Documentation Physician's...


> Facing cognitive challenges from illness or treatment? A Chicago ERISA long-term disability lawyer can help fight unfair benefit denials and protect your rights to coverage.

- Published: 2024-07-31
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/long-term-disability-insurers-must-consider-cognitive-demands-of-the-occupation/

Employees in Chicago and the rest of Illinois with claims for long-term disability insurance benefits often have conditions that impact their physical abilities, but also impact their mental or cognitive abilities. Certain conditions like Long Haul Covid are well known to cause cognitive impairment from brain fog. Other conditions that involve chronic pain or chronic fatigue can likewise cause cognitive impairment. In other circumstances, medications or treatment of a condition can trigger cognitive impairment that prevents you from performing a demanding occupation. A recent case highlights this issue and how the insurer failed to evaluate the cognitive demands of an occupation. In Wessberg v. Unum Life Insurance Co. of America, No. 22-94, 2024 WL 3444044 (D. Minn. July 15, 2024), Wessberg was a patent and trademark attorney who claimed long-term disability benefits due to bilateral invasive breast cancer. She underwent intensive radiation and chemotherapy treatment, as well as had a double mastectomy and breast reconstructive surgery. After completing her chemotherapy, her treating oncologist and mental health therapist continued to document that Wessberg experienced dizziness and cognitive impairment as a residual effect of the chemotherapy. The insurer categorized Wessberg’s occupation as “Attorney,” and considered it a sedentary occupation. Unum terminated benefits after concluding Wessberg could perform the physical aspects of the occupation, but did not consider Wessberg’s ability to perform the cognitive aspects of the occupation. After unsuccessfully appealing the benefit termination, Wessberg sued Unum under ERISA § 502(a). Under de novo review, the United States District Court for the District...


> Disputing a denial? A Chicago ERISA long-term disability lawyer can challenge improper use of eDOT definitions and fight for rightful benefits under your policy.

- Published: 2024-07-29
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/long-term-disability-insurer-criticized-for-use-of-edot-definition-of-light-work/

Employees in Chicago and the rest of Illinois with claims for long-term disability insurance are frequently aware that the initial definition of disability in a long-term disability insurance policy is based on your “own occupation” or “regular occupation,” meaning you are entitled to benefits if you are unable to perform the occupation you were performing before the disability began. But there is a difference between your “occupation,” as the insurance policy defines it, and your job duties. An occupation is broader than a specific job. Long-term disability insurers and claimants define that occupation by referencing vocational resources, such as the Dictionary of Occupational Titles, published by the United States Department of Labor. In recent years, long-term disability insurers have increasingly been relying on a publication called the Enhanced Dictionary of Occupational Titles—or eDOT for short—published by a private entity called Economic Research Institute. But do courts accept what insurers say the eDOT states? A recent case demonstrated how a court grappled with the insurer’s representations of the eDOT. In Covill v. Unum Life Insurance Co. of America, No. 23-cv-19-LTS-MAR, 2024 WL 3443916 (N. D. Iowa July 16, 2024), Covill worked as a dental hygienist and went on disability leave due to severe abdominal pain following several surgeries, including a hysterectomy, bilateral salpingectomy, and laparoscopy. Unum Life Insurance Company of America (“Unum”) denied Covill’s claim, contending there was no basis for any restrictions or limitations. In the claim review, both Covill and Unum agreed Covill’s occupation of Dental Hygienist was a...


> Pension benefits dispute? A Chicago ERISA pension and retirement benefits lawyer can help ensure employers apply plan terms fairly and lawfully in benefit calculations.

- Published: 2024-07-22
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/michael-bartolic-wins-pension-claim-on-behalf-of-former-employee-of-kone-inc/

Recently, Michael Bartolic obtained a victory in a pension claim on behalf of a former employee of KONE, Inc. Individuals in Chicago and around the rest of Illinois who are participants in employer-sponsored pension plans and find themselves in a dispute over pension benefits usually have a dispute over interpretation of a provision or definition in the pension plan. In Michael Bartolic’s victory over KONE, that was just the case. In Haynes v. KONE, Inc. Employees’ Retirement Plan, No. 21 C 6647, 2024 WL 3201271 (N. D. Ill. June 27, 2024), Mr. Haynes worked for KONE, Inc. from 1976 to 2021. In 2011 through 2015, KONE sent Haynes on a temporary foreign assignment to work for its subsidiary in Canada. Haynes’ employment contract for the time he worked in Canada provided him a guaranteed net salary and bonuses after taxes. KONE’s pension plan allows accruing pension credit while on such a temporary foreign assignment, and states the participant will be credited with “Compensation,” as defined in the plan, the same as if the participant worked in the United States. The plan has only one definition of “Compensation,” upon which the pension accrual formula is based. The “Compensation” is defined as “total base salary or other wages actually paid, plus overtime and bonuses ... ” During the time period Haynes worked in the United States, his plan-based “Compensation” was his gross wages and bonuses. But for the time Haynes worked in Canada, KONE credited Haynes with only the net, after tax...


> Learn how Long Covid can qualify as a long-term disability, the steps to file a claim, and the importance of consulting a Chicago disability lawyer like Bartolic Law.

- Published: 2024-07-22
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-to-know-about-long-covid-and-long-term-disability-benefits/

Long Covid, a condition characterized by persistent symptoms long after the initial COVID-19 infection has resolved, is becoming an increasingly recognized health issue. This blog post educates readers about Long Covid, its impact on a person's ability to work, and how it may qualify as a long-term disability. We will also discuss the steps to file for a long-term disability claim due to Long Covid and emphasize the importance of consulting a seasoned disability lawyer. Understanding Long Covid An estimated one in three people who contract Covid-19 continue to experience symptoms months later, even if their initial symptoms were mild or absent. Known as "Long Covid," this condition includes a variety of frustrating and often debilitating symptoms such as fatigue, brain fog, and post-exertional malaise (PEM). Emerging research shows significant similarities between Long Covid patients and those with chronic fatigue syndrome (ME/CFS), particularly in how they tolerate exercise. For example, a survey of 3,762 Long Covid patients found that 89% endorsed PEM, much like chronic fatigue patients. Long Covid and Long Term Disability Impact on Ability to Work Long Covid can severely impact an individual's ability to perform job-related tasks. Symptoms like cognitive impairment, extreme fatigue, and memory issues can render working full-time or even part-time exceedingly difficult. Neuropsychological testing and brain scans have revealed shrinkage and tissue damage in affected areas of the brain, further substantiating these claims. Qualifying for Long-Term Disability To qualify for long-term disability benefits due to Long Covid, patients must provide comprehensive evidence of their...


> Understand pre-existing limitations in Glenview long-term disability insurance and get legal advice from Bartolic Law on overcoming claim denials.

- Published: 2024-07-22
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-are-pre-existing-limitations/

Navigating the challenges of long-term disability insurance can be daunting, especially when dealing with pre-existing limitations. At Bartolic Law, we are passionate about turning denials into payments and are dedicated to helping you understand and overcome these hurdles. This blog will explain pre-existing limitations and provide insights into how they impact your insurance coverage. Defining Pre-Existing Limitations Pre-existing limitations conditions—whether physical, mental, or emotional—that existed before the start date of your long term disability policy. Insurers broadly define these conditions to include any ailment for which you received treatment, had symptoms, or were diagnosed prior to the effective date of coverage. The aim is to protect insurers from adverse selection and information asymmetry. Types of Pre-Existing Limitations Physical Impairments: These include chronic conditions like back problems, hypertension, and diabetes. For example, if you experienced chronic back pain before obtaining insurance, it may be considered a pre-existing condition. Mental Health Issues: Conditions such as depression, anxiety, and ADHD fall under this category. An investment banker treated for ADHD and later diagnosed with depression and anxiety could face scrutiny over whether these are considered pre-existing conditions. Emotional Impairments: Stress-related disorders and other emotional challenges that existed before the policy start date are also considered. Impact on Insurance Coverage Pre-existing conditions can significantly affect the extent of your health insurance coverage. Insurers often apply exclusions or limitations to these conditions, which can result in partial benefits or denial of claims. For example, an executive manifesting ALS symptoms initially thought to be a lingering...


> Gain insights into forum selection clauses in ERISA plans from Bartolic Law. Contact us for any legal assistance or evaluation of your Evanston ERISA plan.

- Published: 2024-07-02
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-is-a-forum-selection-clause-in-an-erisa-plan/

A Forum Selection Clause in an Employee Retirement Income Security Act (ERISA) plan designates a specific court or jurisdiction where disputes related to the plan must be litigated. This clause aims to provide predictability and consistency in legal proceedings by restricting where lawsuits can be filed. Understanding the implications of such a clause is crucial for both plan administrators and beneficiaries, as it can significantly affect the procedural aspects and potentially the outcomes of any legal disputes. Understanding ERISA Plans An ERISA plan refers to a benefit plan governed by the Employee Retirement Income Security Act (ERISA) of 1974. ERISA sets minimum standards for most voluntarily established retirement and health plans in private industry to provide protection for individuals enrolled in these plans. Essentially, it ensures that employees receive the benefits promised by their employers. Importance of a Forum Selection Clause A forum selection clause specifies the jurisdiction where any disputes concerning the ERISA plan must be litigated. The inclusion of this clause is critical for several reasons: Predictability and Consistency: It provides predictability for both the plan administrators and participants by ensuring that disputes are handled in a predetermined court. This avoids the complexity and unpredictability of multiple jurisdictions. Reduction in Litigation Costs: By selecting a specific forum, all parties can minimize legal costs associated with litigating in multiple or inconvenient venues. Expertise in ERISA Law: Specifying a forum often means choosing a court that has familiarity and expertise in ERISA-related matters. This can result in more informed decisions...


> Bartolic Law, an ERISA attorney in Chicago, provides clear insights on when to seek legal help. Trust their guidance to safeguard your rights in ERISA cases.

- Published: 2024-06-03
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/when-to-get-an-attorney-involved-in-your-erisa-case/

The Employee Retirement Income Security Act (ERISA) is a pivotal piece of legislation that impacts many employees across the United States. It sets standards for pension plans, health insurance, and other welfare benefit plans provided by private employers. While ERISA is designed to protect employees, navigating its complexities can be daunting without legal guidance. Understanding ERISA and Its Coverage At its core, ERISA is about ensuring fair play in the administration of employee benefits, providing protections for individuals enrolled in most private employer-sponsored benefit plans. This includes a variety of cases, such as disputes over long-term disability claims, health insurance benefits, life insurance, and retirement or pension benefits. Given the broad scope of ERISA, understanding when and why to seek legal assistance is essential. When Legal Guidance Is Essential Complexity of Your Case: The intricate nature of ERISA laws means even seemingly straightforward cases can quickly become complex. An attorney with knowledge in ERISA can navigate these complexities, ensuring your case is presented effectively. Denied Claims: If your claim for benefits under an ERISA-regulated plan is denied, an attorney can significantly enhance your chances of a successful appeal. They possess a deep understanding of ERISA regulations and will construct a robust case on your behalf. Disputes Over Benefits: Facing off against insurance companies can be intimidating. Legal representation evens the playing field, advocating for your rights and striving to secure the benefits you deserve. The Appeals Process: Should your case escalate to an appeal or court, having an attorney is...


> Bartolic Law aids with long term disability benefits in Glenview, tackling overpayments by addressing causes, consequences, and prevention to protect your financial and legal rights.

- Published: 2024-05-20
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-is-a-benefit-overpayment/

In the realm of long-term disability benefits, navigating the complexities can be daunting. One aspect that demands attention is the concept of a "benefit overpayment. " This occurs when recipients are paid more benefits than they are entitled to under the terms of their disability plan or government program. Such situations can arise in various contexts, including when employees receive benefits from an employer for which they are not eligible or when individuals receive excess amounts from government benefits. At Bartolic Law, we fight to secure the benefits our clients are entitled to, and we are also equipped to help them navigate any overpayment issues they may face. Situations Leading to Benefit Overpayments Benefit overpayments can manifest in several scenarios, such as: Miscommunication or errors in the calculation of benefits. Changes in the recipient's income or employment status that are not reported. Recipients not being aware of their eligibility criteria. These scenarios underscore the importance of clear communication and understanding of benefit eligibility requirements. Consequences of Benefit Overpayments The implications of benefit overpayments are far-reaching for both recipients and payers. For recipients, the financial strain of repaying the overpaid amount can be significant, potentially leading to hardships in managing daily expenses. Moreover, there could be legal repercussions if overpayments are found to be obtained knowingly or fraudulently. Payers, such as employers or government agencies, face financial losses and the administrative burden of recovering overpayments, affecting the sustainability of benefit programs. Identifying and Recovering Overpayments Agencies and organizations responsible for administering...


> Gain insights on reversing a long-term disability claim denial from Bartolic Law. Reach out to our Chicago disability claim attorney for legal guidance.

- Published: 2024-04-28
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/how-soon-after-a-long-term-disability-claim-denial-can-you-submit-an-appeal/

When you're unable to work due to illness or injury, long-term disability benefits can provide much-needed financial support. However, the process of claiming these benefits is often complex, and sometimes, claims get denied. This can be a frustrating experience, but it's crucial to remember that denial isn't the end of the road. In many cases, you can appeal the denial and potentially have it reversed. In this blog post, we'll delve into common reasons for claim denials, the appeals process, and actionable steps you can take to increase your chances of a successful outcome. Common Reasons for Claim Denials Understanding why claims get denied is the first step toward a successful appeal. Here are some common reasons: Lack of Sufficient Medical Evidence: Insurers need concrete evidence of your disability. If they feel the provided medical records, test results, or doctor's opinions are insufficient, they might deny your claim. Failure to Meet the Definition of Disability: Each insurance policy has its definition of disability. If your condition doesn't meet this criterion, your claim might be denied. Pre-existing Conditions: If insurers believe your disability is related to a pre-existing condition, they may deny your claim. However, if your condition has worsened or is unrelated, you could still be eligible for coverage. The Appeals Process If your claim gets denied, don't panic. Here's how the appeals process works: Time Frame for Appeals: After receiving a denial, you typically have 180 days to submit an appeal under ERISA regulations. It's crucial to act promptly...


> Learn about the types of disabilities, the legal framework, and how we can guide you through claims and appeals to secure the benefits you deserve. Contact our LTD attorneys near Chicago.

- Published: 2024-04-14
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-does-disabled-mean/

Disabilities can be a challenging reality for many individuals. When it comes to long term disability benefits, understanding the concept of "disability" is crucial. At Bartolic Law, we are dedicated to helping our clients navigate the complexities of disability law and secure the benefits they are entitled to. Defining Disability In simple terms, a disability is any condition that limits an individual's ability to engage in daily activities. This can include physical impairments, mental health issues, chronic illnesses, or injuries. These conditions must be severe enough to impact an individual's ability to work. Physical Disabilities Physical disabilities encompass a range of conditions that affect an individual's mobility or physical functioning. For instance, autoimmune diseases like Lupus or Rheumatoid Arthritis can cause chronic pain and inflammation, making it difficult for individuals to perform regular tasks. Other physical disabilities include back and spinal conditions, such as Degenerative Disc Disease or Lumbar Radiculopathy, which can limit a person's mobility and cause constant discomfort. Consider the case of a person suffering from a traumatic brain injury. These individuals might experience difficulties with balance, coordination, and speech, which could render them unable to fulfill their job duties, thus qualifying them for long-term disability benefits. Mental Health Disabilities On the other hand, mental health disabilities affect a person's cognitive and emotional functioning. Conditions like depression and anxiety can lead to difficulties in concentration, memory, and handling stress, all of which are essential for maintaining employment. Similarly, Post-Traumatic Stress Disorder (PTSD) can lead to severe emotional distress...


> Explore how social media can influence your disability claim with Bartolic Law. Contact our Chicago disability attorney for legal guidance.

- Published: 2024-03-18
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/how-your-social-media-posts-can-affect-your-disability-claim/

In today's digital age, social media has become an integral part of our daily lives. However, what many individuals may not realize is the potential impact that their social media presence can have on their disability insurance claims. At Bartolic Law, we understand the importance of navigating the complexities of disability claims, and we are here to provide valuable insight into how social media activity can influence these claims. Understanding the Risks When it comes to disability insurance claims, seemingly innocuous social media posts can have significant repercussions. For example, a claimant who presents themselves as active and healthy on social media platforms may inadvertently contradict the nature of their disability claim. Similarly, sharing updates about engaging in physical activities or outings could raise questions about the severity of the claimed impairment. It's crucial to understand that insurers may monitor social media accounts and use this information to dispute the validity of a disability claim. The Power of Documentation In the digital age, it's easy for insurers to access information about claimants through social media. However, having proper documentation can help refute any false claims made by insurance companies against your disability claim. For example, if an insurance company argues that you are not as disabled as you claim, showing medical records and other official documents can counter their argument effectively. It's crucial to keep a record of your disability and any limitations it presents to substantiate your claim. Real-Life Examples Let's consider a scenario where an individual claims long-term...


> ERISA claim denials with clarity and confidence. Contact our Chicago ERISA attorneys at Bartolic Law for personalized legal assistance.

- Published: 2024-03-04
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-information-is-included-in-an-erisa-denial/

When an individual files a claim for benefits under an ERISA-governed plan, such as long-term disability, they enter into a process governed by the Employee Retirement Income Security Act (ERISA). This intricate process involves several key stages and can result in different types of denials. Understanding the information typically included in an ERISA denial letter is crucial for individuals navigating this process. At Bartolic Law, we have extensive knowledge of ERISA and can assist clients in understanding the contents of an ERISA denial letter. Overview of the ERISA Claims Process The ERISA claims process commences with the filing of a claim. Upon receipt, the plan administrator, often the employer or insurance company, undertakes a comprehensive review. This involves gathering pertinent information, such as medical records and supporting documentation. Subsequently, the claim is evaluated based on the terms of the plan and applicable law, taking into account factors like medical evidence, policy provisions, and eligibility requirements. Finally, the plan administrator makes a decision on the claim and communicates it to the claimant through an ERISA denial letter if the claim is denied. Types of ERISA Denials Benefit Denial: This occurs when the plan administrator determines that the claimant is not eligible for benefits under the plan. Coverage Denial: This happens when the plan administrator denies coverage for a specific treatment, procedure, or medication. Termination of Benefits: In some cases, the plan administrator may terminate benefits that were previously approved, citing reasons such as improvement in the claimant's condition or failure to...


> Explore key questions to ask a Chicago long-term disability attorney to ensure you're well-represented. Learn how we can guide you through your claim with professionalism and innovation.

- Published: 2024-02-25
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/5-questions-to-ask-during-your-consultation-with-a-long-term-disability-attorney/

Choosing the right long-term disability attorney can be a challenging task, especially when faced with the challenge of securing your deserved benefits. The initial consultation is an essential step in this process, one that requires preparation and the right set of questions to ensure you make an informed decision. At Bartolic Law, we are committed to helping you navigate the complexities of your long-term disability claim. Here are five questions you should ask during your consultation with a long-term disability attorney. What Experience Do You Have with My Specific Disability? Your disability case is unique, and having an attorney who understands the nuances of your condition can make all the difference. Experience in handling cases involving various disabilities, from autoimmune diseases to mental health conditions, is a significant asset. At Bartolic Law, our extensive experience covers a wide range of disabilities, which enables us to provide exceptional service tailored to your needs. How Familiar Are You with My Insurance Carrier? Insurance carriers often have distinctive policies and procedures. Therefore, familiarity with your specific insurance carrier can be advantageous. Our team at Bartolic Law has worked with several insurance carriers, including Cigna, Hartford, MetLife, Mutual of Omaha, Prudential, and Unum. Our knowledge of their unique practices enables us to craft effective strategies for your claim. Can You Help Me Understand the Terms of My Policy? Understanding your policy's terms and conditions is crucial in a long term disability claim. Your attorney should be able to explain these terms in a manner...


> Learn about the role of an independent medical reviewer in Chicago long-term disability claim processes. Contact Bartolic Law for help advocating for your rights.

- Published: 2024-02-11
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-is-an-independent-medical-reviewer/

When dealing with long term disability claims, a key figure that often comes into play is the independent medical reviewer. This individual plays a vital role in the process, but what exactly do they do? Who chooses them, and how can they impact the outcome of a case? At Bartolic Law, we have extensive experience working with independent medical reviewers and can provide insights into their role. Understanding the Role of an Independent Medical Reviewer An independent medical reviewer, also known as an IME (independent medical examination) doctor, is a professional appointed by the insurance company to evaluate the claimant's medical condition. Their main responsibility is to provide an unbiased opinion regarding the claimant's disability status. The insurance company will select the doctor through a third-party vendor. While they are independent in the sense that they are not employed by the insurance company, they are ultimately paid by them. This can sometimes lead to a conflict of interest, as the insurance company may pressure the IME to provide a favorable report for their own benefit. The Examination Process During an independent medical examination, the claimant is evaluated by the selected doctor. The purpose of this examination is to assess the claimant's medical condition, including any limitations or restrictions they may have. The independent medical reviewer will evaluate the claimant's medical history, perform a physical examination, and may request additional tests or medical records. The Impact on Long-Term Disability Cases The opinion of the independent medical reviewer can significantly impact the...


> Expert witnesses are key in ERISA cases. Contact us to consult and see how our Chicago ERISA attorneys use them effectively to strengthen your case.

- Published: 2024-01-27
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-is-the-role-of-expert-witnesses-in-an-erisa-litigation-case/

When navigating the complexities of Employee Retirement Income Security Act (ERISA) litigation, expert witnesses often prove instrumental in shaping the outcome of a case. Their specialized knowledge and experience in a particular field relevant to the case can make a significant difference in your quest for justice. At Bartolic Law, we recognize the critical role expert witnesses play in ERISA litigation and work closely with them to build strong cases for our clients. In this blog, we will discuss the role of expert witnesses in ERISA litigation cases and why they are essential. Expert Witnesses: Who Are They? An expert witness is an individual who possesses specialized knowledge, skill, experience, or education that makes them better equipped to provide opinions and testify on particular matters relevant to a case. In ERISA litigation, expert witnesses can come from various fields, such as medicine, accounting, actuarial science, and economics. They are often brought in by either side of the case to provide their expert opinions based on their knowledge and analysis of the facts presented. The Role of Expert Witnesses in ERISA Litigation Evaluating Complex Issues - One of the significant roles of expert witnesses in ERISA litigation is to evaluate complex issues that arise in these cases. ERISA litigation often involves intricate matters related to pension plans, retirement benefits, and other employee benefits that require specialized knowledge and expertise. Expert witnesses can analyze these issues and provide their opinions on the matter, making it easier for the court to understand. Offering...


> Explore the practice of disability surveillance by insurance companies during Chicago long-term disability cases. Learn how Bartolic Law can guide you through this complex process.

- Published: 2024-01-13
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/will-my-insurance-company-conduct-surveillance-during-my-long-term-disability-case/

When you file a long-term disability claim, it is natural to feel a sense of unease or worry. One concern that often arises is whether your insurance company will conduct surveillance on you during your case. This practice, known as disability surveillance, is a method used by insurance companies to gather evidence about your daily activities and abilities. At Bartolic Law, clients often ask us if they should be worried about this type of surveillance. The short answer is it depends. Some insurance companies may use surveillance as a tactic to try and discredit your disability claim. In this blog, we will discuss the use of surveillance by insurance companies and what you can do to protect yourself during your long-term disability case. What is Disability Surveillance? Disability surveillance involves insurance companies hiring private investigators to observe and record your actions over a certain period. This typically occurs in public areas, and investigators are prohibited from entering private property without permission or peering into windows. The aim is to compile evidence that may contradict your reported limitations or your ability to perform your occupation. Is Surveillance Legal? You might wonder about the legality of this practice. While the law does not explicitly address disability surveillance, the general rule is that surveillance is permissible, provided it does not invade your privacy rights. This means insurers can observe you in public spaces but cannot infringe upon your private life. How Surveillance Can Impact Your Case Insurance companies resort to disability surveillance when...


> Bartolic Law explains how to prepare for an Independent Medical Evaluation (IME) when applying for disability benefits. Contact us for help navigating your Chicago disability claim.

- Published: 2023-12-31
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/how-can-i-prepare-for-an-independent-medical-evaluation/

When applying for disability benefits, you may be required to undergo an Independent Medical Evaluation (IME). An IME is a medical examination conducted by a qualified, impartial doctor to assess the severity of your disability and determine your eligibility for benefits. Unlike a regular medical examination, the goal of an IME is not to provide treatment or medical advice but to provide objective medical evidence to support your disability claim. Understanding what to anticipate during your Independent Medical Evaluation (IME) can alleviate stress and ensure you're well-prepared. In this blog, we'll discuss some ways you can prepare for an IME to help increase the chances of a successful outcome. The Importance of an IME An IME can play a crucial role in your disability claim. It provides an objective assessment of your condition, which can help validate your claim and increase your chances of obtaining the benefits you deserve. The IME report, which details the findings of the evaluation, will be used by the insurance company to make a decision on your claim. Therefore, it's essential to take the IME seriously and prepare accordingly. Preparing for the IME Before your IME, it's important to review your medical records and make sure they accurately reflect your condition. This includes medical reports, test results, treatment history, and any other supporting documents. Organize these records in a clear and concise manner to facilitate the IME doctor's review and understanding of your case. The doctor conducting the IME will likely ask you questions about...


> Explore the complexities of ERISA lawsuits, understand potential damages, and navigate the process with tips from a Chicago ERISA attorney. Contact us today for a consultation.

- Published: 2023-12-20
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-damages-can-be-recovered-in-an-erisa-lawsuit/

The complex landscape of Employee Retirement Income Security Act (ERISA) lawsuits can be daunting for many. This federal law, enacted in 1974, sets standards for pension and health plans offered by private employers—primarily to protect the interests of employees and their beneficiaries. However, when these benefits are wrongfully denied or terminated, individuals may need to resort to legal action. Understanding the potential damages that can be recovered in an ERISA lawsuit is crucial. Let's delve into this topic and shed light on the types of damages you may be entitled to, along with a few tips and insights for navigating the complexities of ERISA litigation. Types of Damages in an ERISA Lawsuit In an ERISA lawsuit, the types of damages sought depend largely on the specific circumstances of each case. The primary categories include: Medical Bills: If benefits are wrongfully denied or terminated, recovery of the cost of medical bills incurred as a result becomes a possibility. The court awarded long-term disability benefits that were initially denied despite the absence of objective evidence of functional impairment. Lost Wages: When an individual is unable to work due to a disability, and their long-term disability benefits are wrongfully denied or terminated, they may be entitled to recover lost wages. This includes both past and future lost earnings. Pension Benefits: Wrongful denial or miscalculation of retirement or pension benefits could lead to the recovery of the amount the individual was entitled to receive. This can include both past and future pension benefits. Equitable...


> Bartolic Law helps clients explore options after losing a job while on LTD benefits. Our Chicago long term disability attorney protects the rights of LTD beneficiaries.

- Published: 2023-12-11
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-happens-to-my-long-term-disability-benefits-if-i-lose-my-job/

At Bartolic Law, we understand that losing your job while receiving long-term disability (LTD) benefits can be a challenging situation. It raises concerns about the continuation of your benefits, the possibility of seeking alternative forms of assistance, and the implications of finding new employment. In this blog post, we aim to address these concerns and provide guidance on navigating this complex scenario. Understanding Long-Term Disability Benefits Long-term disability benefits are designed to protect a portion of your income when you are unable to work as a result of a medical condition. Insurance companies play a crucial role in managing claims and determining eligibility for these benefits. When you are covered by your employer's long-term disability policy and become disabled while employed, the benefits will typically continue even if you lose your job. It is important to review your policy to understand the specific terms and conditions. Options for Claimants If you find yourself in the situation of losing your job while receiving LTD benefits, there are several options available to you: Continuation of Benefits - In most cases, as long as your disability began while you were still employed and covered by your employer's long-term disability policy, your benefits will continue. This continuity provides financial stability during a challenging time. Exploring Other Forms of Assistance - You may also consider seeking assistance through Social Security Disability Insurance (SSDI). However, it is crucial to note that receiving SSDI benefits can impact your existing long-term disability benefits. Before making any decisions, consult...


> Long-term disability (LTD) insurance offers financial support to people unable to work due to disability. Call a Chicago long term disability lawyer from Bartolic Law to get the help you need.

- Published: 2023-12-02
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/why-can-permanent-long-term-disability-payments-be-canceled/

Long-term disability (LTD) insurance provides financial benefits to individuals who are unable to work due to a disability. It serves as a crucial safety net, offering income replacement for an extended period. There are, however, certain circumstances under which the payments can be canceled. Understanding the Basics of Long-term Disability In the United States, private employer-sponsored disability insurance plans are regulated by the Employee Retirement Income Security Act (ERISA), which sets standards for plan administration and regulation. It outlines the process for filing claims and appealing denials. Reasons for Cancellation There are instances where policyholders take actions that lead to the termination of their long-term disability payments. These scenarios can include: Discovery of Activities by Surveillance: Insurance companies may conduct surveillance on policyholders to assess if their reported disability aligns with their observed activities. If policyholders are seen engaging in activities inconsistent with their claimed impairments, the insurance company may conclude that their condition has improved and cancel their long-term disability benefits. Working While Receiving Benefits: If policyholders work while receiving long-term disability benefits, the insurance company may halt their payments, depending on the policy. However, if policyholders earn only a small portion of their pre-disability income, they may still be eligible for partial benefits. It's important to review the policy to understand the impact of working on continued eligibility and benefit amounts. Time Limitation on Mental and Chronic Conditions: Many long-term disability insurance policies impose a 24-month limitation on disabilities arising from mental, nervous, and psychological impairments, as well...


> If your life insurance claim was denied, a Chicago ERISA life insurance lawyer can help you understand your rights and challenge the denial. Reach out for a case review.

- Published: 2023-11-08
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/why-you-must-closely-read-the-reasons-an-insurer-gives-for-denying-your-life-insurance-claim/

Individuals in Chicago and around the rest of Illinois who are beneficiaries of life insurance plans and whose claims were denied frequently skim the letters denying their claims. They find it more important the claim was denied than understanding the reasons the claim was denied. But there is a great deal of importance to the reasoning for denying the claim, as plan administrators are required to communicate the reasons for the denial in order to provide a full and fair review of a benefit claim under ERISA. The stated reasons for denying the claim also can lock the administrator into a set of rationales that it cannot supplement later, as one recent case demonstrates. In Dindinger v. Hartford Life & Accident Insurance Co. , No. CV-22-00508-TUC-EJM, 2023 WL 5723401 (D. Ariz. Sept. 5, 2023), Jacob Dindinger was killed while working as an EMT in an ambulance. After his death, his family members, the beneficiaries, submitted a claim for life insurance and accidental death insurance benefits under Jacob’s employer sponsored life/AD&D plan, insured by Hartford. Hartford denied the claim, asserting the accident and loss did not meet the definition of traveling while on business of the policy holder, and cited the policy’s definition. The family members appealed. In the appeal denial, Hartford reiterated he did not meet the definition of traveling for business of the policyholder (the employer), but did not explain why the death did not meet that definition. The family members then sued for benefits under ERISA § 502(a)....


> Facing a denied long-term disability claim in Chicago? Discover how vocational evidence can strengthen your ERISA long-term disability benefits case.

- Published: 2023-11-06
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/why-you-need-vocational-evidence-in-long-term-disability-insurance-claims/

Employees in Chicago and around the rest of Illinois consulting with me regarding their claims for long-term disability insurance benefits usually are unfamiliar with what vocational evidence is. Your medical restrictions and limitations define things you can and cannot do. But vocational evidence determines whether those restrictions and limitations are compatible with your occupation, or alternate occupations, depending on the definition of disability being used in your plan. Insurers often simply assess whether you can perform work at a given physical demand level, such as sedentary, light or medium physical demand level. But that does not take into account all the physical aspects of an occupation and whether you can perform them, such as keyboarding or mousing for occupations that are performed on a computer. The best approach in long-term disability claims is to get very specific restrictions and limitations, and obtain a vocational expert’s report opining on whether you can perform a given or alternate occupations with these restrictions and limitations. A recent case demonstrated how employing such a strategy resulted in success for the claimant. In Chacko v. AT&T Umbrella Benefit Plan No. 3, No. 2:19-cv-01837-DAB-DB, 2023 WL 5806455 (E. D. Cal. Sept. 7, 2023), Chacko worked for AT&T as a software engineer. In late 2017, Chacko began experiencing severe pain in her eyes, neck, shoulders, and both arms, as well as blurred vision. Chacko’s doctors restricted her screen time, keyboarding, and mousing to 10 minutes in an hour. When Chacko applied for short-term disability benefits, Sedgwick (the...


> Attending physician statements play an important role in getting approved for long-term disability benefits in Chicago. Contact Bartolic Law today.

- Published: 2023-11-06
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/what-is-an-attending-physician-statement/

When an injury or illness makes it impossible to work, employer-provided long-term disability insurance compensates you for lost wages. However, before approving your claim, the insurance company will want thorough documentation proving you have a qualifying condition. An Attending Physician Statement (APS) is an important part of this documentation. Our seasoned and skilled Illinois long-term disability lawyers at Bartolic Law explain more about this form and the types of information it should contain. Information Included In An Attending Physician Statement According to the Centers for Disease Control and Prevention (CDC), as many as one out of every four adults eventually suffers some type of physical, mental, or cognitive condition that prevents them from working for a year or longer. Long-term disability benefits available through your employer provide a safety net, compensating you for up to two-thirds of your lost wages. To be eligible, you must prove that you have a qualifying condition that prevents you from working. An attending physician statement, sometimes referred to as a functional report, plays an important role in making this determination. It is filled out by medical providers and submitted to insurers when filing your long-term disability claim. Attending physician statements are typically in the form of a questionnaire and provide pertinent information used in reviewing your eligibility for benefits. This includes: A firm diagnosis of your condition A list of all your symptoms Results of medical testing and treatments you have undergone Current treatment, including physical therapy and any prescribed medications Information regarding how...


> Employees in Illinois making long-term disability claims often overlook the importance of a functional capacity evaluation. Contact a Chicago ERISA lawyer today!

- Published: 2023-11-03
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/when-a-functional-capacity-evaluation-can-help-your-long-term-disability-claim/

Employees in Chicago and around the rest of Illinois making claims for long-term disability insurance benefits often underestimate the value of a functional capacity evaluation. A functional capacity evaluation is an examination performed by a physical therapist that objectively measures your capacities for various physical activities, such as sitting, standing, walking, lifting/carrying, balance, etc. Standing alone, functional capacity evaluations may nor may not carry much weight. The optimal use of a functional capacity evaluation is to corroborate your doctors’ opinions of your functional capacity. A recent appellate court case highlighted how courts weigh functional capacity evaluations. In Scanlon v. Life Insurance Co. of North America, 81 F. 4th 672 (7th Cir. 2023), Lewis worked as a Windows Systems Administrator at McKesson Corporation. His job was a sedentary one. Scanlon was an army veteran with a history of chronic pain and sleep disorders. His doctors opined he lacked capacity to perform sedentary work. When he made a claim for long-term disability insurance benefits to Life Insurance Company of North America (“LINA,” a subsidiary of New York Life Insurance Company), LINA denied the claim. LINA obtained a medical consultant’s opinion stating Scanlon’s impairments were not severe enough to preclude sedentary work. Scanlon appealed, submitting with the appeal a functional capacity evaluation showing he could sit 15 minutes at a time, and stand 45 minutes at a time, and that he could only sit a total of 2 hours and 50 minutes in a day, and stand only 4 hours and 22 minutes...


> Returning to work after an injury can impact your long-term disability claim. In one case, working for over two years led to a denial. Contact our Chicago ERISA lawyer today.

- Published: 2023-11-01
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/when-returning-to-work-can-hurt-your-long-term-disability-claim/

Employees in Chicago and around the rest of Illinois with claims for long-term disability benefits often ask if returning to work can hurt their long-term disability insurance claim. Sometimes it does not, and sometimes it does. For example, it is common for someone claiming disability to make an attempt to return to work, only to find out they are not able to perform the job as they had hoped, and return to disability claim status. These scenarios usually bolster a claim, rather than harm it. In other situations, somebody may return to work after an injury and much later make a claim for long-term disability benefits, raising the question as to how the individual was able to work post-injury. A recent case highlighted an example of how returning to work after an injury hurt the claim. In Lewis v. Unum Life Insurance Co. of America, No. 3:22-cv-00067, 2023 WL 5401873 (S. D. Tex. Aug. 22, 2023), Lewis worked as a senior accountant for an energy company. He was involved in a low-speed motorcycle accident in 2018. At the emergency room, he reported having a headache and lower back pain, but denied any trauma. There was no diagnosis of a traumatic brain injury, concussion, or neurological disorder. Less than three weeks after the accident, Lewis returned to work full-time. In mid-2019, Lewis began treating with a neurologist for headaches he experienced twice a week, getting treatment approximately every six months. In late 2020, Lewis went out of work to obtain a...


> There is a three-step process for obtaining long-term disability benefits and appealing denied claims. Consult with long term disability claim attorney in Chicago for appeals.

- Published: 2023-10-22
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/the-3-phases-of-long-term-disability-claims-and-appeals/

Long-term disability insurance is often available through employers and included as part of your employee compensation. It can help offset lost wages when an injury, illness, or other chronic medical condition prevents you from working for a year or longer. However, going through the process of filing a claim and getting it approved by the insurance company often proves challenging. In the event of a denial, you have the right to appeal the insurer’s decision. Our experienced Chicago long-term disability attorney explains the three phases of this process. The Process Of Obtaining Long-Term Disability Benefits and Appealing Denied Claims Disability benefits can reimburse you for up to two-thirds of your lost income if you cannot work a year or longer. The Bureau of Labor Statistics (BLS) reports that half of all workers have long-term disability insurance available through their employer. Unfortunately, the process of getting a claim approved can be challenging, and it is not uncommon for benefits to be denied or delayed. Our experienced Chicago long-term disability attorney understands how unnerving it may be to have lost the ability to work and earn a living and the difficulty that can come with denied or delayed benefits. We offer the trusted legal guidance you need throughout the long-term disability claims process. We can intervene during any of the following three phases: Filing Your Initial Claim You can file your claim as soon as you become disabled and are unable to work for a year or more. Along with a completed...


> Federal law governs appeals for denied employer-provided benefits. Our Chicago ERISA litigation lawyer explains who may be liable in a lawsuit.

- Published: 2023-09-25
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/who-is-the-liable-party-in-erisa-claims/

ERISA is a complex federal law governing employer-provided benefits. It provides strict rules regarding how they are administered and dictates processes for appealing denied claims. If your appeal is denied at administrative hearings, you may have the right to file a lawsuit against those involved. Our Chicago ERISA litigation lawyer explains who can be held liable for financial losses you suffer in this type of claim. ERISA Dictates Your Rights in Taking Your Case To Court The Employee Retirement Income Security Act of 1974 (ERISA) governs health and wellness benefit programs offered by employers. While each state has its own rules and regulations governing employer-provided benefits, ERISA simplifies the matter by providing a single set of federal rules which everyone is required to follow. Policies and procedures under ERISA dictate the following: How employer-provided benefits are managed and administered: How denied claims are handled and your rights in filing appeals; The appeals process, which requires appearing before administrative judges; Your rights to file a federal lawsuit through the local court if your claim continues to be denied or disputed. While ERISA aims at maintaining uniformity when it comes to how employer-provided benefits are handled, the question of who may be held liable in an ERISA lawsuit varies. Determining Who is Liable in an ERISA Lawsuit Under ERISA Section 502(a)(1)(B), any plan participant may be entitled to file a lawsuit through the local federal court seeking to appeal denied benefits. In some cases, monetary judgments can only be ordered against the...


> Autoimmune disorders are a leading cause of long-term disabilities. Our Chicago long-term disability lawyer explains how to protect your rights to benefits.

- Published: 2023-09-11
- Modified: 2026-06-22
- URL: https://www.chicagodisabilitylawyers.com/can-you-qualify-for-long-term-disability-with-an-autoimmune-disease/

Your immune system is designed to help protect vital body organs and systems, attacking and fighting off viruses, infections, and other threats that could endanger your health. However, in people who suffer from autoimmune disorders, the immune system functions improperly and attacks healthy cells instead. This can have major impacts on your overall well-being and may eventually lead to long-term disabilities that prevent you from working. Find out more about autoimmune diseases and whether they qualify you for long-term disability benefits. Autoimmune Diseases That May Entitle You to Long-Term Disability Benefits According to the National Institutes of Health, autoimmune diseases are one of the most common types of medical disorders. They impact close to 24 million people, and recent research suggests that this number is increasing each year. Auto-immune disorders are characterized by a faulty immune system response, causing the body to attack otherwise healthy cells. These attacks can be so severe, recurrent, and long-lasting that they cause serious damage to body organs and systems, impacting mobility and overall body functions. Common types of auto-immune disorders that may result in long-term disabilities include: Types 1 Diabetes; Rheumatoid Arthritis; Inflammatory Bowel Disease; Lupus; Multiple Sclerosis; Myasthenia Gravis; Grave’s Disease, attacking the thyroid; Sjögren’s Syndrome, attacking glands in the eyes and mouth. Protecting Your Rights to Benefits for Long-Term Disabilities Due to Autoimmune Diseases The above and other types of autoimmune diseases can cause chronic pain, limited mobility, excessive fatigue, and other troubling symptoms. Long-term disabilities are common due to these symptoms...


> Surveillance can hurt long-term disability claims if it shows activity inconsistent with medical restrictions. Contact a Skokie lawyer if your claim is under investigation.

- Published: 2023-08-30
- Modified: 2026-06-17
- URL: https://www.chicagodisabilitylawyers.com/when-surveillance-can-hurt-your-long-term-disability-claim/

Employees in Chicago and around the rest of Illinois with claims for long-term disability benefits frequently get worried about the long-term disability insurer placing them under surveillance. But when does surveillance hurt your long-term disability claim? In most instances of surveillance we see, the surveillance is benign and does not affect the claim at all. Benign surveillance occurs when the investigators either do not observe anything, or observe you doing things consistent with what you and your doctors represent to the insurer you are able to do. Surveillance can hurt your claim, however, where it reveals you doing something inconsistent with what you or your doctors told the insurer you cannot do. A recent case demonstrated how damaging surveillance set off a domino effect of claim investigation that ultimately led to benefit termination. In Avery v. Sedgwick Claims Management Services, No. 22-1960, 2023 WL 4703865 (6th Cir. July 24, 2023), Avery worked for Chrysler as a finance specialist before suffering a fall that fractured her right ankle. After recovering, spontaneous pain in her right leg returned, leading to a diagnosis of advance peripheral deyelinatibe and axonal polyneuropathy of the lower legs. Avery stopped working in 2011 and claimed disability. Sedgwick approved Avery’s claim for short-term disability and long-term disability benefits. After three years of paying Avery disability benefits, in 2014, Sedgwick placed Avery under surveillance, which revealed Avery driving, though she was medically restricted from driving. Sedgwick then requested an Independent Medical Examination, which opined Avery had no functional limitations...


> Our Chicago long-term disability attorneys explain how to prove mental disability in a long-term disability benefits claim.

- Published: 2023-08-20
- Modified: 2026-06-18
- URL: https://www.chicagodisabilitylawyers.com/proving-mental-disability-in-a-long-term-disability-case/

Mental health disorders can have serious impacts on your health, your relationships, and your ability to engage in daily activities. When it prevents you from working, it is important to be aware that help is available. Long-term disability benefits can offset lost income, but you will need to provide evidence. Our Chicago long-term disability lawyers explain how to prove mental disability when filing a claim. Mental Disorders That Can Cause Long-Term Disability If you suffer from a mental disability, you are not alone. According to the National Institutes of Health (NIH), roughly one out of every five people in the United States suffers from some type of mental health disorder. When your condition interferes with your ability to work or perform certain types of tasks as part of your job and is expected to last a year or longer, you may be entitled to long-term disability benefits. Long-term disability insurance can help in reimbursing up to two-thirds of your lost wages, allowing you to continue to provide financially for yourself and your family. These benefits may be available through an employer-provided policy or by policies purchased through a private insurer. You should carefully review all policy documents to determine what is covered. Psychology Today reports that common mental disorders that are most likely to cause potentially disabling symptoms include: Major depression; Anxiety and panic disorders; Agoraphobia and other paralyzing fears; Obsessive-compulsive disorder; Post-traumatic stress; Schizophrenia; Paranoia; Drug or alcohol addiction; Chronic psychosis. Evidence Needed When Filing a Disability Claim For...


> Wondering if long-term disability insurance in Chicago requires an on-the-job injury? Some plans do. Bartolic Law is here to help with your claim. Contact us today!

- Published: 2023-08-14
- Modified: 2026-06-18
- URL: https://www.chicagodisabilitylawyers.com/does-long-term-disability-have-to-be-tied-to-a-work-related-injury/

Employees in Chicago and around the rest of Illinois often ask if eligibility for long-term disability insurance requires suffering an injury on the job. Workers’ Compensation covers most on-the-job injuries. Most long-term disability insurance policies do not require you have suffered an on-the-job injury. Most insurance policies insure you if you cannot work due to any illness or injury. But plans are free to draft their own terms, and some plans, under some circumstances, may require you be disabled from an on-the-job injury. A recent case highlights an example of such an uncommon plan provision. In Lane v. Structural Iron Workers Local No. 1 Pension Trust Fund, 74 F. 4th 445 (7th Cir. July 17, 2023), Lane worked as a union iron worker until a combination of injuries left him unable to continue working. The Structural Iron Workers Local No. 1 Pension Trust Fund provided a disability pension, but tied the proof required to the number of pension credits earned. For participants with between 5 and 15 pension credits, to be eligible for a disability pension the participant must be totally disabled by the Social Security Administration (“SSA”), and the disability must be “the result of an accident sustained while on the job and employed by a Contributing Employer as an Iron Worker. ” Lane had 9 credits, subjecting him to this additional requirement. Lane was adjudicated totally and permanently disabled by SSA, but the SSA award letter did not explain why Lane was disabled. Lane did not submit the...


> Facing a long-term disability claim in Chicago or Illinois? If benefits were terminated despite worsening conditions, Bartolic Law can help. Contact us for guidance.

- Published: 2023-08-09
- Modified: 2026-06-18
- URL: https://www.chicagodisabilitylawyers.com/what-happens-when-a-long-term-disability-insurer-terminates-benefits-while-your-condition-gets-worse/

Employees in Chicago and around the rest of Illinois often get approved for long-term disability, but then have benefits later terminated, despite their condition getting worse. They often ask us whether the insurer must show their condition improved to terminate benefits. While the burden to prove disability does not shift away from you even after an insurer approves your long-term disability benefits, whether a condition improved or worsened is a significant fact a court will consider in the event you find yourself in litigation. A recent case addressed this very issue. In Graziano v. First Unum Life Insurance Co. , No. 21-cv-2708, 2023 WL 4530274 (S. D. N. Y. July 12, 2023), Graziano worked as a Senior Property Underwriter for Swiss Re Group, a mostly sedentary occupation. Graziano began suffering from low back pain in 2010 and received cortisone injections to treat it. After the treatments were unsuccessful, Graziano began seeing a pain management specialist, who treated him with lumbar epidural injections. The injections initially provided some relief, but were temporary. In 2017 Graziano suffered an accident that aggravated his back pain. An MRI showed degenerative changes in his lumbar spine. He then left work and completed a two-day functional capacity evaluation (“FCE”). The FCE showed Graziano could only tolerate sitting 20–25 minutes at a time. Unum approved Graziano’s claim for long-term disability benefits. Graziano continued physical therapy, which documented his back pain did not improve. Unum then terminated benefits in January 2020, which Graziano appealed. Graziano submitted to a...


> Employees in Illinois with long-term disability benefits may wonder if bonuses count toward earnings thresholds. Our Chicago technology workers disability lawyer can help—contact us today.

- Published: 2023-08-07
- Modified: 2026-06-18
- URL: https://www.chicagodisabilitylawyers.com/are-annual-bonuses-current-monthly-earnings-for-purposes-of-partial-long-term-disability-benefits/

Employees in Chicago and around the rest of Illinois frequently consult us about working either part-time or in a reduced capacity while receiving long-term disability benefits. Most long-term disability insurance policies provide partial disability benefits, as long as you meet the definition of “Disabled,” and your earnings from the substitute work do not exceed a certain threshold. The most typical thresholds are 60% or 80% of your pre-disability earnings. But the policies typically state your long-term disability benefits will end of “Monthly Earnings” exceed that threshold. So how do the policies treat bonuses not received on a monthly basis? Do they count as Monthly Earnings in the month received, making it easier for the insurer to terminate your benefits. One recent case addressed this very issue. In Neumiller v. Hartford Life & Accident Insurance Co. , No. 22-35688, 2023 WL 4173022 (9th Cir. June 26, 2023), Neumiller qualified or long-term disability benefits under a policy insured by Hartford. Later, Neumiller started working again, but retained her benefits under the partial disability provision of the policy. The policy stated Neumiller’s benefits would terminate when her “Current Monthly Earnings” exceed 60% of pre-disability earnings. Neumiller received a salary and a “Trimester Bonus. ” Upon receipt of the Trimester Bonus, Hartford terminated Neumiller’s benefits contending her Current Monthly Earnings exceeded 60% of pre-disability earnings in the month Neumiller received the bonus. After unsuccessfully appealing, Neumiller sued under ERISA § 502(a). The United States Court of Appeals for the Ninth Circuit vacated a ruling...


> To ensure long-term disability appeals are filed within deadlines, contact our Chicago long-term disability lawyer.

- Published: 2023-08-06
- Modified: 2026-06-18
- URL: https://www.chicagodisabilitylawyers.com/how-long-do-i-have-to-appeal-my-long-term-disability-claim-denial/

Long-term disability benefits available through your employer can help make up for lost income if you are unable to work for a year or longer. However, it is common practice for insurance companies to deny claims. In this situation, you have the right to file an appeal. Our Chicago long-term disability appeals lawyer explains more about the process and time limits that apply. Your Rights in Appealing a Denied Long-Term Disability Claim If you suffer an injury, illness, or chronic condition that leaves you unable to work for a year or longer, you may be entitled to benefits through long-term disability insurance provided by your employer. According to the Bureau of Labor Statistics (BLS), nearly half of all private industry workers are entitled to these benefits. Long-term disability benefits can play a major role in making sure you and your family are able to meet monthly expenses. However, it is not uncommon for claims to be denied. You have the right to appeal the insurer's decision, but you only have a limited amount of time. Take these actions to protect your rights: Keep copies of your claim application and all documents provided to the insurer; Respond promptly to requests for additional information; Keep copies of any communications you receive from them; In your denial letter, look for the reasons your benefits are denied and the time limits for filing an appeal; Contact our Chicago long-term disability lawyer for trusted legal guidance throughout the process. The ERISA Appeals Process Employer-provided benefits...


> LTD insurance usually pays 50-80% of pre-disability earnings. Factors like COLA and offsets may impact payouts. Our Chicago long term disability lawyer can help clarify.

- Published: 2023-07-29
- Modified: 2026-06-18
- URL: https://www.chicagodisabilitylawyers.com/how-much-does-long-term-disability-pay/

Do you have long-term disability insurance coverage from your employer or your spouse’s employer? Your policy is regulated by a federal law called Employee Retirement Income Security Act (ERISA). The policy document should clarify how many benefits you will receive if you qualify. In most cases, long-term disability pays between 50% and 80% of your pre-disability earnings. In this article, our Chicago long-term disability lawyer provides a more comprehensive overview of the key things to know about how much long-term disability insurance pays. Your Long-Term Disability Policy Will Determine a Rate of Pay How much does long-term disability pay? It depends largely on your specific policy. Long Term Disability (LTD) insurance policies often base their payout on a percentage of the policyholder's salary—most often, the benefit is between 50% and 80%. Benefits are designed to provide a safety net during a period of disability, so you can continue to support yourself and your family. Remember, the specific percentage varies based on the terms of the policy, so you need to carefully review your plan's details. You May Be Entitled to Partial Disability Benefits If You Can Continue Working Part-Time Partial disability benefits are designed for individuals who can still work but cannot put in the same amount of hours as before due to their disability. It is called a "residual disability. " Insurers may reduce the benefits proportionally based on the decrease in earnings. For instance, if your earnings have dropped by 70% due to the disability, you may receive...


> LTD policies often stop at 65, but disabilities after that may still qualify for benefits. Our Chicago disability lawyer helps clients with complex claims.

- Published: 2023-07-15
- Modified: 2026-06-18
- URL: https://www.chicagodisabilitylawyers.com/can-i-file-a-long-term-disability-claim-after-age-65/

Does a disability prevent you from working? You may be entitled to private disability benefits. If you receive long-term disability coverage from an employer, your claim/appeal is regulated by a federal law called the Employee Retirement Income Security Act (ERISA). Under ERISA regulations, an insurance policy should include a “schedule” of benefits. It may be possible to qualify for private long-term disability benefits after you turn 65. Here, our Chicago long-term disability lawyer explains the key things to know about your rights to file for long-term disability benefits after you turn 65 years of age. Your Disability Policy Will Typically Have a “Schedule” of Benefits A long-term disability (LTD) policy typically lays out a “schedule” of benefits, which is essentially a comprehensive outline of the coverage you are entitled to based on specific circumstances. The schedule of benefits will typically explain when benefits begin, how long they last, and any limitations or restrictions based on factors such as age, type of disability, or cause of disability. It is crucial to thoroughly read and understand this section of your policy because it directly determines the benefits you could receive, especially as you age. Most Policies Provide Benefits Up to Retirement Age at the Latest It is a common misconception that LTD benefits extend indefinitely. However, the fact is that most policies provide benefits up until the policyholder reaches the full retirement age, typically around 65 or 67, depending on the policy and jurisdiction. These age limits exist because LTD insurance is...


> Evanston tech worker disability attorneys can help if your claim is denied or delayed. Contact us today for guidance in navigating your long-term disability claim.

- Published: 2023-07-12
- Modified: 2026-06-22
- URL: https://www.chicagodisabilitylawyers.com/must-you-stop-working-to-submit-a-claim-for-long-term-disability-benefits/

Employees in Chicago and around the rest of Illinois frequently ask if they must first stop working before submitting a claim for long-term disability benefits. Most policies require you suffer a loss of income due to disability to be eligible to receive benefits and satisfy the elimination period. Most policies define “disabled” as including a loss of at least 20% of pre-disability earnings. But most policies do not require you stop working to merely initiate the claim. So the short answer to the question is, most often, you are not disabled until you stop working, but you can initiate the claim before you stop working. A recent case highlighted this nuance. In Mucciacciaro v. Hartford Life & Accident Insurance Co. , No. 2:22-cv-01503, 2023 WL 4014278 (D. N. J. June 15, 2023), Mucciacciaro worked as a dental hygienist and was covered under her employer’s long-term disability insurance plan, insured by Hartford. She began experiencing back pain in 2017, and in 2019 her doctor asked Mucciacciaro’s employer to allow her to work 30 hours per week, which the employer denied. On June 3, 2020, Mucciacciaro gave two-weeks notice she would resign and requested a copy of long-term disability claim forms. Her last day at work was June 17, 2020, and Mucciacciaro listed June 18, 2020 as her first day unable to work in the long-term disability claim. Hartford denied the claim, contending Mucciacciaro was no longer covered under the policy on June 18, 2020 due to ceasing employment. Mucciacciaro appealed, contending...


> If you cannot work due to an injury, illness, or medical impairment, you may be entitled to long-term disability benefits. Who decides whether or not a person can work? In some cases, a vocational expert will be called upon to provide testimony.

- Published: 2023-06-30
- Modified: 2026-06-22
- URL: https://www.chicagodisabilitylawyers.com/what-is-a-vocational-expert-and-what-role-do-they-play-in-your-case/

Is a disability preventing you from working on a full-time basis? You are far from alone. The Centers for Disease Control and Prevention (CDC) estimates that 27% of American adults have some form of disability. You may be entitled to disability benefits through an employer-based ERISA disability plan. Disability claims are complicated—a vocational expert can play a key role in your case. Within this article, our Illinois long-term disability attorney explains the key things to know about vocational experts and the roles that they play in your case. What is a Vocational Expert in a Disability Claim? In the context of a long-term disability claim, a vocational expert is a person who provides a vocational assessment. They are a professional who has expertise in a wide range of job, related matters, including: An applicant’s ability to work; An applicant's re-trainability given skills, age, and education; and The state labor market more generally. The Role of a Vocational Expert in a Long-Term Disability Claim A vocational expert may be called upon to testify during a dispute over long-term disability benefits. Given their expertise, they are focused on questions regarding whether or not the applicant can reasonably return to work, especially if a form of job retraining is required. Their role can be crucial in determining whether or not a person can qualify for benefits. In other words, a vocational expert is a type of expert witness. They testified based on their specialized knowledge and experience, not to establish individual facts of...


> Facing difficulty with long-term disability claims? Contact a Chicago long term disability attorney to help navigate your claim and protect your rights.

- Published: 2023-06-21
- Modified: 2026-06-22
- URL: https://www.chicagodisabilitylawyers.com/it-takes-more-than-a-doctors-opinion-you-are-disabled-to-qualify-for-long-term-disability-benefits/

Employees in Chicago with claims for long-term disability benefits are often puzzled by how difficult it can be to get an insurer to pay, or continue paying, the long-term disability claim. Many believe that if their own doctor attests they are disabled, the insurer will accept the liability and pay the claim. But insurers have vast resources, and employ their own doctors and nurses who will review your records and search for any contrary evidence to be able to justify an opinion you are not disabled. Moreover, they may use outside physician consultants to review your files, or even an Independent Medical Evaluation to examine you. A recent case demonstrates how a claimant did not provide enough evidence for the long-term disability insurer to continue paying benefits. In Evans v. Life Insurance Co. of North America, No. 2:22-cv-00075-ACA, 2023 WL 3868384 (N. D. Ala. June 7, 2023), Evans suffered an injury on the job while working as a wireline operator, a heavy physical exertion occupation. He had two spine surgeries. The employer’s insurer, MetLife, approved the claim and approved continued disability after the change in definition to any occupation. After the employer switched insurers from MetLife to Life Insurance Company of North America (“LINA”), LINA opened an investigation into the claim. LINA sent Evans for an Independent Medical Evaluation. The IME doctor examined Evans and concluded Evans exaggerated his pain complaints, and stated Evans had highly dramatic and over the top pain behavior. He opined Evans had no restrictions from...




## City-State

> Bartolic Law is an Evanston Tech Worker Disability Lawyer helping professionals challenge long-term disability denials. We build strong appeals for tech workers. Contact us for a consultation.

- Published: 2026-07-19
- Modified: 2026-07-19
- URL: https://www.chicagodisabilitylawyers.com/citystate/tech-worker-disability-lawyer-evanston/

Evanston sits at the intersection of academic research and a fast-growing professional tech community. When a serious medical condition forces you to stop working, and your insurer denies your long-term disability claim, that denial can feel like a second blow on top of an already hard season. You do not have to accept it. Bartolic Law helps Evanston tech professionals challenge denials and pursue the benefits they earned. Why Insurers Underestimate Technology Work Your job runs on focus, memory, and the ability to think clearly for hours at a stretch. A condition that disrupts any of those abilities can make your work impossible, even when you can still physically sit at a desk. The trouble is that insurance companies often treat tech jobs as if they require nothing more than showing up and clicking a mouse. They measure your capacity by whether you can sit upright, not by whether you can debug complex code, hold a system architecture in your head, or sustain concentration through a full workday. That gap between reality and the insurer's assumption sits behind many denials. Tech roles depend on: Sustained cognitive stamina for problem-solving and deep focus Reliable memory and mental processing under deadline pressure Tolerance for prolonged screen time without debilitating symptoms Fine motor control for precise keyboard and trackpad work When chronic illness, neurological conditions, or mental health diagnoses strip away these capacities, you may qualify for benefits, even if your job looks "easy" on paper. Common Tactics Insurers Use to Deny Tech...


> Bartolic Law is a Chicago Tech Worker Disability Attorney who helps clients turn long-term disability claim denials into approvals. We understand the demands of tech roles and fight insurer misclassifications. Contact us for a consultation.

- Published: 2026-07-19
- Modified: 2026-07-19
- URL: https://www.chicagodisabilitylawyers.com/citystate/chicago-tech-worker-disability-attorney/

If an insurance company denied your long-term disability claim, you do not have to accept that decision as final. Bartolic Law represents Chicago tech professionals who depend on their cognitive sharpness, focus, and stamina to do their jobs. When a serious medical condition takes those abilities away, you deserve the benefits you paid for. We help you turn a denial into an approval. Why Tech Professionals Face Tougher LTD Claims Software engineers, systems architects, IT support specialists, and network engineers work in high-pressure roles that demand constant problem-solving and prolonged screen time. Insurers often misunderstand this reality. When a medical condition disrupts your ability to work, the impact hits hard: Lost income at the moment your medical expenses climb. Mounting stress from appeal deadlines and confusing paperwork. A frustrating disconnect between what your job truly requires and how the insurer describes it. Your role depends on sustained concentration, precise keyboard and mouse control, working memory, and the ability to sit through hours of detail-heavy work. A chronic illness, neurological condition, or mental health diagnosis can make those demands impossible. Insurers frequently overlook that truth, and that is where we step in. Common Reasons Insurers Deny LTD Claims for Tech Workers Understanding why your claim was denied is the first step toward a strong appeal. Insurance companies rely on a handful of predictable tactics when reviewing tech industry claims. "Sedentary Work" Misclassifications Insurers love to label tech jobs as simple desk work. They argue that if you can sit, you can...


> Get help from a Skokie Tech Worker Disability Attorney if your long-term disability claim was denied. Bartolic Law helps tech professionals with ERISA appeals and federal litigation. Contact us for a consultation.

- Published: 2026-06-09
- Modified: 2026-06-09
- URL: https://www.chicagodisabilitylawyers.com/citystate/skokie-tech-worker-disability-attorney/

Your job depends on your brain. As a technology professional in Skokie, Illinois, you rely on sustained concentration, precise keyboard and mouse control, working memory, screen tolerance, and the ability to sit through demanding, detail-intensive tasks for hours at a time. A serious medical condition can strip away those abilities. When that happens, long-term disability benefits exist for exactly this reason. If your claim was denied, you have legal options worth pursuing. Why Insurers Deny LTD Claims for Technology Workers Insurance companies routinely undervalue what technology jobs actually require. They categorize tech roles as low-demand sedentary work, which makes it easier to argue that a claimant can still work in some capacity. That reasoning is often wrong and legally challengeable. Common grounds insurers use to deny tech worker claims include: Minimizing cognitive symptoms: Conditions like chronic migraines, traumatic brain injury, fibromyalgia, or severe depression can make sustained screen work impossible. Insurers frequently dismiss these limitations without adequate medical review. Relying on biased file reviews: Rather than examining you directly, many insurers hire paper-review physicians who assess your records without ever meeting you and produce opinions that favor denial. Challenging the "own occupation" definition: During the first phase of a policy, you must show you cannot perform your specific job. Insurers often argue that even with limitations, you could still manage basic tech tasks. Using inconsistency as a pretext: If your medical records contain any gaps or do not clearly connect your symptoms to your specific work limitations, the insurer will...


> Bartolic Law is your trusted Glenview Technology Workers Disability Lawyer. We help tech professionals appeal denied long-term disability claims. Contact us for a consultation.

- Published: 2026-06-09
- Modified: 2026-06-09
- URL: https://www.chicagodisabilitylawyers.com/citystate/technology-workers-disability-lawyer-glenview/

If you work in technology in Glenview, Illinois, and your long-term disability claim was denied, you are not out of options. A denial letter is a setback, not a final answer. Tech professionals face unique challenges when filing LTD claims. Insurance companies often underestimate the demands of technology roles, viewing them as "just desk jobs. " In reality, positions like software engineer, network engineer, or IT support professional require sustained cognitive focus, precise motor control, and prolonged sedentary posture. When a medical condition disrupts any of these capacities, it can make it impossible to perform your actual job duties. Insurers frequently fail to account for that reality. Why Insurance Companies Deny LTD Claims for Technology Workers The first step toward a successful appeal is understanding why your claim was denied. Common denial reasons for tech workers include: Insufficient medical documentation: The insurer argues your records do not support the severity of your condition. Failure to meet the definition of disability: Many employer-sponsored plans define disability as the inability to perform your "own occupation" during an initial period, then shift to "any occupation. " Insurers exploit this transition to terminate benefits. Surveillance and activity monitoring: Insurers sometimes use video surveillance or social media activity to dispute your reported limitations. Independent medical reviews: Insurance companies hire their own doctors, who often reach conclusions that contradict your treating physicians. Missing deadlines: Late submissions or incomplete paperwork give insurers grounds for denial. The ERISA Appeal Process: Step by Step Most employer-sponsored LTD plans fall...


> Cognitive impairments can end tech careers. Work with an Orland Park technology workers disability lawyer who can prove it to insurers. Contact Bartolic Law.

- Published: 2026-05-23
- Modified: 2026-05-23
- URL: https://www.chicagodisabilitylawyers.com/citystate/orland-park-technology-workers-disability-lawyer/

When you've dedicated your career to the fast-paced, problem-solving world of technology, a disability can come as a profound shock. It can feel like your entire foundation has shifted, and then, to have your disability claim denied adds another layer of disappointment and uncertainty. Suddenly, the very systems you once optimized and fixed seem to be working against you. Don't accept this denial. Reach out to our Orland Park technology workers disability lawyer at Bartolic Law. We understand the unique challenges tech professionals face, and we're here to help you fight for the benefits you've earned. Why Should Disabled Tech Workers Fight Claim Denials? After a denial, you may be feeling pretty discouraged. However, as a tech worker, you may want to consider appealing the denial. This is because, unlike more physically defined roles, tech work is often labeled "desk-based" or "flexible," leading insurers to assume disability has less impact. But in reality, these jobs depend heavily on: Deep concentration and focus Complex problem-solving abilities Sharp memory and recall Processing speed and accuracy Managing intricate systems under pressure When a disability affects things like focus, executive function, chronic fatigue, anxiety, migraines, or neurological processing, it can directly disrupt a tech worker's ability to perform. Even if you can technically sit at a desk, that doesn't mean you can actually perform the job at a competitive level. Insurers sometimes overlook this gap between "can physically sit and work" and "can actually do the work. " At Bartolic Law, our Orland Park...


> Disability insurers often misread tech jobs. Bartolic Law fights back with precise claims. Speak with our technology workers disability attorney in Oak Park.

- Published: 2026-05-23
- Modified: 2026-05-23
- URL: https://www.chicagodisabilitylawyers.com/citystate/technology-workers-disability-attorney-oak-park/

It can be incredibly shocking to receive a disability claim denial. You might be wondering how this could happen, given all the evidence you carefully provided demonstrating your inability to perform your job duties as a technology worker. If this describes your situation, know that you don't have to accept this denial as final. At Bartolic Law, we've built our practice around representing individuals whose roles are more complex than standard disability claim reviews acknowledge. Our technology workers disability attorney in Oak Park can assess your claim and build a more compelling case. Common Misconceptions Insurance Companies Have About Tech Workers When reviewing disability claims from technology workers, insurance companies often operate on automatic, outdated assumptions about the profession. Here are some of the common things they wrongly assume: 1. "Tech Jobs Are Sedentary" Insurers frequently categorize technology jobs as sedentary, assuming this means they are low-demand and easy to perform. However, this classification overlooks the intense cognitive requirements of these roles. Software engineering, IT support, and similar positions demand hours of deep, uninterrupted focus, meticulous precision, and the ability to solve complex problems, skills that go far beyond simply sitting at a desk. 2. "If You Can Use a Computer, You Can Work" Insurance companies often assume that if you can physically operate a computer, you are capable of working. This perspective fails to recognize that cognitive limitations can be just as disabling as physical ones. Conditions like chronic brain fog, memory impairment, severe migraines, and debilitating mental fatigue...


> Need a disability insurance lawyer in Skokie? Bartolic Law helps with disability insurance claims, denials, and ERISA appeals, protecting your right to benefits. Contact us.

- Published: 2026-04-18
- Modified: 2026-04-18
- URL: https://www.chicagodisabilitylawyers.com/citystate/disability-insurance-lawyer-skokie/

Being physically and mentally able to work and earn a living is something that's easily taken for granted. You naturally get caught up in the day-to-day of going to work, doing your job, and coming home, all to return again the following day. However, suppose you become injured and are unable to continue working due to a physical or mental impairment. In that case, you can easily be thrown into a panic. How will your everyday expenses get paid? If you have a disability insurance policy, now is the time to rely on it. To get started with a claim, it's best to contact reputable disability insurance lawyer in Skokie. When Should You Hire a Disability Insurance Attorney Near Skokie? Whether you are considering submitting a disability claim or if your claim has already been denied, it's never too soon in the process to enlist an experienced disability insurance attorney near Skokie. Most group disability benefit plans fall under the federal ERISA statute, which combines areas of contract, trust, and administrative law into a complex regulatory framework. The ERISA statute is notorious for some of the firmest deadlines in employment law. If you don't adhere to those deadlines, it could result in the dismissal of future appeals or lawsuits. Keeping this in mind, as soon as you decide to submit a disability claim or as soon as your claim is denied, it's wise to contact qualified disability insurance attorney in Skokie to discuss your specific claim and options. Common Reasons...


> Need an Oak Park long term care lawyer? Bartolic Law helps secure long-term care and disability insurance benefits after denied claims. Contact us today to learn more.

- Published: 2026-04-11
- Modified: 2026-04-11
- URL: https://www.chicagodisabilitylawyers.com/citystate/oak-park-long-term-care-lawyer/

Disabilities can happen due to injuries, illnesses, and chronic health conditions. As a result, you may require care in a nursing home or other facility. Unfortunately, even a short stay can end up costing hundreds of thousands of dollars. It can come as a shock when long term disability insurance benefits you have paid into for years refuse to cover these costs. At the Bartolic Law, we intervene on your behalf in these situations. As an experienced Oak Park long term care lawyer, we provide trusted legal representation to help you get the benefits you need and deserve. Problems in Paying for Long Term Disability Care The Social Security Administration (SSA) reports that roughly nine million people throughout the United States suffer some form of disability. As many as one out of every four 20-year-olds will eventually become disabled before reaching retirement age. When disabilities do occur, you may need the types of services which can be obtained only through a long-term care facility, such as around-the-clock nursing, ongoing medical treatment, and help with personal tasks. When you require this level of care, long term disability insurance can help offset the costs. Benefits through your employer or through an individual policy can protect you from going bankrupt in this situation. However, insurers are often quick to deny or dispute claims. Common reasons for this include: Claiming your condition is not covered through your policy; Disputing whether your policy is currently in force; Claiming you did not follow the proper procedures...


> Long-term disability attorneys in Evanston assisting tech professionals with denied LTD claims, ERISA appeals, and securing benefits. Contact Bartolic Law today.

- Published: 2026-03-10
- Modified: 2026-03-10
- URL: https://www.chicagodisabilitylawyers.com/citystate/technology-workers-disability-attorney-evanston/

The technology sector is one of Evanston’s most dynamic and demanding industries. As a tech professional, your career is built on cognitive sharpness, precision, and the ability to perform in a high-stakes, fast-paced environment. When a disability strikes, whether it's a repetitive strain injury, a chronic illness, or a cognitive impairment, it can abruptly end your ability to work, putting your financial stability at risk. At Bartolic Law, we understand the unique challenges tech workers face when filing for long-term disability (LTD) benefits. Insurers often fail to grasp the intense demands of your job, leading to unfair claim denials. We are here to provide the legal guidance you need to secure benefits. What Are Common Reasons for Long-Term Disability Claim Denials? Insurance companies frequently deny claims from tech professionals, often citing reasons that overlook the true nature of their work. Your claim may have been denied due to: Insufficient Medical Evidence: The insurer may argue that your medical records do not "objectively" prove your inability to work, especially for cognitive or chronic pain conditions. Misunderstanding of Job Demands: They may claim that since your job is "sedentary," you should still be able to work, ignoring the high level of focus, memory, and problem-solving required. Policy Exclusions: Your claim might be denied based on a pre-existing condition clause or a 24-month limitation for mental health or "self-reported" conditions. "Any Occupation" Definition: After an initial period, many policies shift from covering your inability to do your own job to your inability to...


> Disability insurance attorneys in Glenview assisting with long-term disability claims, ERISA appeals, and denied benefits. Contact Bartolic Law today.

- Published: 2026-03-10
- Modified: 2026-03-10
- URL: https://www.chicagodisabilitylawyers.com/citystate/glenview-disability-insurance-attorney/

You’ve known that you have long-term disability coverage through your employer for quite some time. However, you never anticipated needing it until now. Whether you were in an accident, diagnosed with a long-term or terminal illness, or something else, you have the right to the long-term disability benefits you have paid for all these years through your employer. Unfortunately, insurance carriers deny far too many legitimate claims, making their profits the priority. If you are filing a disability insurance claim, seek the help of a skilled Glenview disability insurance attorney. They have the knowledge and resources to help you file your claim and appeal it if necessary. Common Reasons for Disability Claims Disability policyholders file claims for many different health reasons, but they all cause the claimant to be unable to perform their job as they normally would. The most common reasons for filing a disability claim include: Accidents Muscle or bone disorders Cancer Cardiovascular problems Mental illness What is ERISA? Employer-provided group long-term disability policies are generally governed by the Employee Retirement Income Security Act of 1974 (ERISA). This federal law was designed to protect the assets of millions of Americans, ensuring that when they retire, the money placed in retirement plans while they were working will still be there. In addition, ERISA governs the long-term disability rules and other insurance coverages that most Americans have through their employer. The bad news is that the courts have typically interpreted ERISA in ways that allow rules that benefit insurance companies...


> Contact Bartolic Law, an experienced Orland Park disability insurance lawyer, if your long-term disability claim has been denied. We help clients navigate the appeals process to secure the benefits they deserve.

- Published: 2026-02-10
- Modified: 2026-02-10
- URL: https://www.chicagodisabilitylawyers.com/citystate/disability-insurance-lawyer-orland-park/

Receiving a denial letter for your long-term disability (LTD) claim is a moment of profound frustration and uncertainty. You have likely spent years paying premiums with the expectation that if your health failed, your financial future would be secure. Now, facing a denial while managing a serious medical condition can feel like an insurmountable obstacle. At Bartolic Law, we understand the anger and anxiety that come with a denied claim. Many of our clients in Orland Park felt hopeless before contacting us, believing the insurance company's decision was final. It is not. A denial is simply a hurdle that can be overcome with the right legal strategy. We are here to be your trusted legal partner. Understanding Your Rights After a Denial Insurance companies often count on policyholders giving up after the first rejection. However, under ERISA (the federal law governing most employer-sponsored disability plans), you have specific rights. Right to Appeal: You typically have 180 days to file a mandatory administrative appeal. This is not just a formality; it is your most critical opportunity to prove your case. Right to Information: You are entitled to a copy of your claim file, which includes the specific reasons for the denial and the medical reports the insurer relied upon. Right to Representation: You do not have to face the insurance company's legal team alone. You have the right to hire an attorney to manage your appeal and protect your interests. How Bartolic Law Turns Denials Into Approvals Navigating an LTD appeal...


> Contact the Oak Park disability insurance attorney at Bartolic Law if your long-term disability claim has been denied. We have a proven track record of turning denials into approvals.

- Published: 2026-02-10
- Modified: 2026-02-10
- URL: https://www.chicagodisabilitylawyers.com/citystate/oak-park-disability-insurance-attorney/

You've followed the rules and provided information about your medical condition, yet the insurance company has refused to provide the long term disability benefits you depend on. This is a frustrating and stressful experience, but it is important to know that a denial is not the final word. At Bartolic Law, we are your trusted legal partner, dedicated to helping Oak Park residents navigate the appeals process. We understand how insurance companies work, and we have a proven track record of turning denials into approvals. Your success is our priority. What Should I Do If My Long-Term Disability Claim Is Denied? When your LTD claim is denied, you have a limited window to act, typically 180 days to appeal the decision. The most critical step is to avoid trying to handle the appeal on your own. Insurance companies work hard to protect their interests; you need an attorney on your side. Your first steps should be: Do Not Panic: A denial is a common tactic used by insurers, but it can be challenged. Review Your Denial Letter: This document contains the insurer's reasons for denying your claim, which will be the focus of your appeal. Gather All Your Documents: Collect your denial letter, your complete insurance policy, and all related medical records. Contact an Experienced Disability Attorney: The appeal is your best and often only opportunity to build a strong case. An attorney ensures your file is complete with the powerful evidence needed to win. How Can Bartolic Law Help...


> Bartolic Law, your trusted Evanston Disability Insurance Attorney, will help you appeal and secure the benefits you deserve. Contact us today.

- Published: 2026-01-10
- Modified: 2026-01-10
- URL: https://www.chicagodisabilitylawyers.com/citystate/disability-insurance-attorney-evanston/

Receiving a long-term disability (LTD) denial letter can be a devastating and frustrating experience. You have paid your premiums, and your doctor agrees that you cannot work. Yet, the insurance company has decided to deny your claim, leaving you without a source of income and facing an uncertain future. This is not the end of the road. At Bartolic Law, we understand the stress and anxiety a denied claim causes. We are your trusted legal partner, dedicated to helping Evanston residents fight back against insurance companies. Your success is our priority, and we have a proven record of turning denials into approvals. Why Was My Long Term Disability Claim Denied? Insurance companies have a financial incentive to deny claims, and they often use specific tactics to justify their decisions. Understanding why your claim was denied is a crucial element of building a successful appeal. Common reasons for denial include: Insufficient Medical Evidence: The insurer may argue your medical records do not "objectively" prove your inability to work, especially for conditions with subjective symptoms like chronic pain, fatigue, or cognitive issues. Misunderstanding of Job Demands: They might claim your job was "sedentary" or "light duty," ignoring the physical or mental requirements your role truly demanded. "Any Occupation" Definition: Many policies shift from covering your inability to do your own job to your inability to do any job after 24 months. Insurers often use this transition to terminate benefits. Negative IME Report: The insurance company's "Independent Medical Exam" doctor disagreed with your...


> Denied LTD benefits? A Chicago Technology Workers Disability Attorney at Bartolic Law can help. We fight unfair denials for tech professionals. Contact us today.

- Published: 2026-01-10
- Modified: 2026-01-10
- URL: https://www.chicagodisabilitylawyers.com/citystate/chicago-technology-workers-disability-attorney/

Chicago is a hub for innovation, and as a technology professional, you work in a high-pressure environment that demands peak cognitive function. Whether you are a developer in the Loop or a project manager in River North, your career relies on intense focus, complex problem-solving, and extended hours. When a medical condition impacts your ability to meet these demands, you rely on your long-term disability (LTD) insurance to provide a safety net. Receiving a denial letter is a devastating blow. Suddenly, your financial stability is at risk, and you are left navigating a complex legal maze while trying to manage your health. At Bartolic Law, we help Chicago tech workers turn these denials into approvals. We understand the nuances of your industry and have the insight to prove that a "desk job" in tech is anything but simple. Why Tech Workers Face Unique Challenges in Disability Claims Insurance companies frequently misunderstand, or willfully ignore, the reality of technology roles. They often classify your work as "sedentary" or "light duty," focusing solely on the physical act of sitting at a desk. This oversimplification leads to unfair denials. Common reasons for tech worker claim denials include: Cognitive Demands: Insurers may argue that physical pain or fatigue doesn't stop you from sitting at a computer, ignoring that "brain fog" or medication side effects make coding or systems architecture impossible. Lack of "Objective" Proof: Conditions common in high-stress tech roles, such as burnout, anxiety, or repetitive strain injuries, often lack the "hard" medical evidence...


> Bartolic Law, your Evanston tech worker disability attorney, assists with long term disability claim appeals for tech professionals. Contact us today.

- Published: 2025-12-27
- Modified: 2025-12-27
- URL: https://www.chicagodisabilitylawyers.com/citystate/evanston-tech-worker-disability-attorney/

As a technology professional in Evanston, you thrive in a demanding, high-stakes environment. But the same high-stress roles and repetitive tasks that drive innovation can also lead to debilitating conditions, from repetitive strain injuries to burnout and chronic illness. When a disability forces you to stop working, receiving a denial letter for your long-term disability (LTD) claim can feel like a final blow. At Bartolic Law, we understand that insurance companies often fail to recognize the true physical and cognitive demands of the tech industry. A denial is not the end of your fight. Our firm is dedicated to providing the legal guidance you need to challenge the insurer's decision and secure the financial stability you deserve. Your success is our priority. Why Was My LTD Claim Denied? Insurance companies use many reasons to deny claims, and for tech workers, these denials often stem from a fundamental misunderstanding of your job. Common reasons include: Minimizing Your Job's Demands: The insurer may argue that a "desk job" is not physically taxing, ignoring the severe impact of repetitive strain injuries, carpal tunnel syndrome, or chronic back pain on your ability to work. Questioning Cognitive and Mental Health Claims: For disabilities related to high-stress environments, like anxiety, depression, or cognitive fog, insurers often demand "objective" proof that is difficult to provide, dismissing your doctor's diagnosis and your personal experience. Insufficient Medical Evidence: Your claim may be denied if the insurer decides your medical records don't adequately prove your functional limitations and how they...


> As an Orland Park Technology Workers Disability Lawyer, Bartolic Law helps tech professionals fight unfair denials. Contact us for a consultation.

- Published: 2025-12-27
- Modified: 2026-05-18
- URL: https://www.chicagodisabilitylawyers.com/citystate/orland-park-technology-workers-disability-attorney

As a technology professional in Orland Park, your career is built on your cognitive abilities, your focus, memory, and problem-solving skills. When a disabling medical condition prevents you from performing your job, the financial and emotional toll is immense. Receiving a long-term disability (LTD) denial letter from an insurance company only compounds that stress, leaving you feeling frustrated and uncertain about your future. At Bartolic Law, we understand that a "desk job" in the tech industry is anything but simple. We help tech workers like you fight back against unfair denials. Your success is our priority, and we have a proven track record of turning denials into payments. Why Was My Long-Term Disability Claim Denied? Insurance companies often deny claims from tech workers because they fail to appreciate the true demands of the profession. They may review your file and make incorrect assumptions, leading to a denial for reasons that don't reflect your reality. Common reasons for denial include: Misunderstanding of Job Duties: An insurer might argue that because your job is "sedentary," you should be able to work. This completely ignores the high level of sustained concentration, attention to detail, and cognitive function required to write code, manage projects, or analyze data. Lack of "Objective" Evidence: Conditions like chronic pain, fibromyalgia, long COVID, or mental health disorders often lack the clear "objective" proof (like an x-ray) that insurers prefer. They may use this to dismiss your very real, debilitating symptoms. Use of Policy Exclusions: Your policy may contain limitations...


- Published: 2025-12-10
- Modified: 2025-12-10
- URL: https://www.chicagodisabilitylawyers.com/citystate/cook-county-il/

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> Battling a denied long-term disability claim? The Oak Park Technology Workers Disability Lawyer at Bartolic Law provides legal guidance for tech professionals to secure the benefits they deserve.

- Published: 2025-12-06
- Modified: 2025-12-06
- URL: https://www.chicagodisabilitylawyers.com/citystate/oak-park-technology-workers-disability-lawyer/

If you are a technology professional in Oak Park, your career is built on precision, innovation, and intense mental focus. When a disabling condition forces you to step away from your work, it can feel like your world has been turned upside down. Receiving a long-term disability (LTD) claim denial from your insurance provider only adds to the stress and uncertainty. At Bartolic Law, we understand the unique challenges tech workers face. Insurers often fail to grasp the true demands of your profession, leading to unfair denials based on a misunderstanding of your job. We are here to provide the legal guidance you need to fight back and secure the benefits you deserve. Your success is our priority. Why Are LTD Claims for Tech Workers Denied? Insurers frequently deny claims from tech professionals for reasons that overlook the cognitive and physical demands of the industry. Common reasons for denial include: Misunderstanding Job Duties: The insurer may argue that because your job is "sedentary," your disability shouldn't prevent you from working. This ignores the high level of concentration, problem-solving, and memory your role requires. Insufficient "Objective" Evidence: For conditions like chronic fatigue, fibromyalgia, or cognitive impairments ("brain fog"), insurers often claim there is not enough objective medical proof, even when your doctor confirms your limitations. Policy Limitations and Exclusions: Your claim may be denied based on a pre-existing condition clause or a 24-month limitation for mental health conditions, even if your disability is primarily physical. The "Any Occupation" Shift: After an...


> Bartolic Law provides legal guidance for Chicago Technology Workers' Disability claims. If your long-term disability benefits have been denied, we fight for the benefits you deserve.

- Published: 2025-12-06
- Modified: 2026-01-05
- URL: https://www.chicagodisabilitylawyers.com/citystate/chicago-technology-workers-disability-attorney-2/

The technology sector is one of Chicago's most dynamic and demanding industries. As a tech professional, your career is built on cognitive sharpness, precision, and the ability to perform in a high-stakes, fast-paced environment. When a disability strikes, whether it's a repetitive strain injury, a chronic illness, or a cognitive impairment, it can abruptly end your ability to work, putting your financial stability at risk. At Bartolic Law, we understand the unique challenges tech workers face when filing for long-term disability (LTD) benefits. Insurers often fail to grasp the intense demands of your job, leading to unfair claim denials. We are here to provide the legal guidance you need to secure benefits. What Are Common Reasons for Long-Term Disability Claim Denials? Insurance companies frequently deny claims from tech professionals, often citing reasons that overlook the true nature of their work. Your claim may have been denied due to: Insufficient Medical Evidence: The insurer may argue that your medical records do not "objectively" prove your inability to work, especially for cognitive or chronic pain conditions. Misunderstanding of Job Demands: They may claim that since your job is "sedentary," you should still be able to work, ignoring the high level of focus, memory, and problem-solving required. Policy Exclusions: Your claim might be denied based on a pre-existing condition clause or a 24-month limitation for mental health or "self-reported" conditions. "Any Occupation" Definition: After an initial period, many policies shift from covering your inability to do your own job to your inability to...


- Published: 2025-09-25
- Modified: 2026-07-07
- URL: https://www.chicagodisabilitylawyers.com/citystate/sugar-grove-il/

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- Published: 2025-09-25
- Modified: 2025-09-25
- URL: https://www.chicagodisabilitylawyers.com/citystate/gilberts-il/

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- Published: 2025-09-25
- Modified: 2025-09-25
- URL: https://www.chicagodisabilitylawyers.com/citystate/oak-brook-il/

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- Published: 2025-09-25
- Modified: 2025-09-25
- URL: https://www.chicagodisabilitylawyers.com/citystate/barrington-il/

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- Published: 2025-09-25
- Modified: 2026-07-07
- URL: https://www.chicagodisabilitylawyers.com/citystate/highland-park-il/

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- Published: 2025-09-25
- Modified: 2025-09-25
- URL: https://www.chicagodisabilitylawyers.com/citystate/lake-forest-il/

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- Published: 2025-09-25
- Modified: 2025-09-25
- URL: https://www.chicagodisabilitylawyers.com/citystate/winnetka-il/

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- Published: 2025-09-25
- Modified: 2025-09-25
- URL: https://www.chicagodisabilitylawyers.com/citystate/hinsdale-il/

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- Published: 2025-09-25
- Modified: 2025-09-25
- URL: https://www.chicagodisabilitylawyers.com/citystate/kenilworth-il/

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- Published: 2025-09-25
- Modified: 2025-09-25
- URL: https://www.chicagodisabilitylawyers.com/citystate/western-springs-il/

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- Published: 2025-09-25
- Modified: 2025-09-25
- URL: https://www.chicagodisabilitylawyers.com/citystate/palatine-il/

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- Published: 2025-09-25
- Modified: 2025-09-25
- URL: https://www.chicagodisabilitylawyers.com/citystate/inverness-il/

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- Published: 2025-09-25
- Modified: 2025-09-25
- URL: https://www.chicagodisabilitylawyers.com/citystate/glencoe-il/

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- Published: 2025-09-25
- Modified: 2026-07-14
- URL: https://www.chicagodisabilitylawyers.com/citystate/orland-park-il/

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- Published: 2025-09-25
- Modified: 2026-07-14
- URL: https://www.chicagodisabilitylawyers.com/citystate/glenview-il/

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- Published: 2025-09-25
- Modified: 2026-07-14
- URL: https://www.chicagodisabilitylawyers.com/citystate/evanston-il/

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- Published: 2025-09-25
- Modified: 2026-07-14
- URL: https://www.chicagodisabilitylawyers.com/citystate/skokie-il/

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- Published: 2025-09-25
- Modified: 2025-09-25
- URL: https://www.chicagodisabilitylawyers.com/citystate/la-grange-il/

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- Published: 2025-09-25
- Modified: 2026-07-14
- URL: https://www.chicagodisabilitylawyers.com/citystate/oak-park-il/

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- Published: 2025-09-25
- Modified: 2025-09-25
- URL: https://www.chicagodisabilitylawyers.com/citystate/wicker-park-il/

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- Published: 2025-09-25
- Modified: 2025-09-25
- URL: https://www.chicagodisabilitylawyers.com/citystate/lincoln-park-il/

Retirement Plan Claims Lawyer


- Published: 2025-09-25
- Modified: 2026-07-14
- URL: https://www.chicagodisabilitylawyers.com/citystate/chicago-il/

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> Denied retirement plan benefits? Bartolic Law, your trusted Oak Park retirement plan benefit claims attorney, helps you appeal denials and secure the benefits you deserve.

- Published: 2025-07-20
- Modified: 2025-10-01
- URL: https://www.chicagodisabilitylawyers.com/citystate/oak-park-retirement-plan-benefit-claims-attorney/

Being denied retirement plan benefits you rightfully earned can feel frustrating and overwhelming. If you’re in Oak Park and facing this difficult situation, it’s important to know you’re not alone and help is available. At Bartolic Law, we understand the challenges you’re facing, and we’re here to support you in turning that denial into the benefits you deserve. Why Are Retirement Plan Claims Denied? Retirement plan claim denials can stem from a variety of reasons. Some common issues include: Misinterpretation of Plan Terms: Employers or administrators may misapply plan rules, leading to a wrongful denial. Errors in Calculating Benefits: Mistakes in credited service years or earnings can result in underpaid or denied benefits. Documentation Issues: Missing or incomplete documents submitted with your claim might cause delays or rejections. Plan Mismanagement: Administrative errors, such as incorrect vesting status, can impact your claim’s outcome. Disqualification Misapplication: Certain plan clauses, like those regarding disqualifying employment, may be wrongly applied. It’s discouraging to encounter these obstacles, especially when you’ve worked hard for these benefits. However, with the right legal approach, many denials can be successfully challenged. Steps to Challenge a Denied Claim Facing a denial is not the end of the road. Here are the key steps to take: Understand the Reason for Denial Review the denial letter carefully to identify why your claim was rejected. This will help you build an effective response. Gather Supporting Documents Collect plan documents, employment records, and any correspondence related to your claim. These will form the backbone...


> The La Grange ERISA disability claims lawyer at Bartolic Law helps overturn denied claims, ensuring you receive the long-term disability benefits you deserve.

- Published: 2025-06-24
- Modified: 2025-06-24
- URL: https://www.chicagodisabilitylawyers.com/citystate/erisa-disability-claims-lawyer-la-grange/

Facing a denied ERISA disability claim can be incredibly frustrating and overwhelming. If you're in La Grange and have had your long-term disability benefits denied, Bartolic Law is here to help. As a trusted law firm with extensive experience in ERISA disability claims, we are committed to protecting your rights and ensuring you receive the benefits you deserve. What is ERISA? The Employee Retirement Income Security Act (ERISA) is a federal law enacted in 1974 to establish standards and regulations for employer-sponsored benefit plans, including retirement, health, and disability plans. Designed to protect employees and their beneficiaries, ERISA outlines specific requirements for plan administration, fiduciary responsibilities, and claim procedures. This law ensures that participants are provided with vital information about their plans, safeguards their rights to benefits, and provides a legal framework for appealing denied claims. By setting these standards, ERISA holds employers and insurance companies accountable for fair and transparent management of benefit plans. Common Challenges with ERISA Disability Claims Claim denials are stressful and often riddled with unnecessary complications. You might encounter: Confusing Denial Reasons: Insurance companies often cite vague or inconsistent reasons for claim denials. Strict ERISA Deadlines: Missing an appeal deadline could forfeit your benefits entirely. Complex Legal Terms: The denial letter and policy documentation are steeped in technical jargon, making it challenging to comprehend your next steps. Common Denial Reasons Include: Lack of Medical Evidence: Insurers may argue that your records don't prove the extent of your condition. Procedural Errors: Missing forms or improperly filed...


> Find an experienced Chicago retirement plan benefits claims attorney. Bartolic Law helps resolve denied claims and disputes, ensuring you secure the benefits you deserve.

- Published: 2025-06-24
- Modified: 2025-06-24
- URL: https://www.chicagodisabilitylawyers.com/citystate/orland-park-retirement-plan-benefit-claims-attorney/

If you live in Orland Park and are facing a denial of your retirement plan benefit claim, you're not alone. Navigating the complexities of ERISA law to secure the benefits you rightfully deserve can be overwhelming. Whether your claim was denied, your benefits suspended, or you're dealing with confusing pension plan documents, Bartolic Law is here to help. Why Retirement Plan Denials Happen Retirement plan disputes can arise for a variety of reasons, such as: Denial of Claimed Benefits: Employers or plan administrators may misinterpret or misapply the plan's terms, leading to a denial. Miscalculation of Earnings or Service Credits: This includes errors like undercounting your earnings or denying service credits. Changes to Plan Terms: Retroactive changes in benefits or eligibility can lead to disputes, especially when inconsistently applied. Suspension of Benefits: Retirement benefits may be improperly suspended due to working in related trades. Understanding why your claim was denied is a crucial step in building a case for recovery. With experienced legal support from Bartolic Law, you gain the knowledge and advocacy needed to resolve these disputes. How Bartolic Law Can Help You At Bartolic Law, we resolve pension and retirement benefit disputes for clients in Orland Park and beyond. With years of experience navigating ERISA regulations, we have a proven track record of successfully advocating for clients in complex cases. Here's how our team can assist you: Comprehensive Case Analysis: We thoroughly review your denial letter, plan documents, and any other relevant materials to identify errors or inconsistencies...


> Denied an ERISA claim? Our Glenview ERISA lawyers at Bartolic Law can help you appeal. Contact us today.

- Published: 2025-06-01
- Modified: 2025-06-01
- URL: https://www.chicagodisabilitylawyers.com/citystate/glenview-erisa-lawyer/

Having your ERISA claim denied can feel overwhelming, both emotionally and financially. If you’re dealing with such a denial, you’re likely juggling feelings of frustration, uncertainty, and concern about your future. At Bartolic Law, we understand how difficult this experience can be, especially when you’re counting on your benefits to maintain stability for yourself and your family. Rest assured, you don’t have to go through this process alone. Our team is here to guide you through the ERISA claim appeal process and fight to recover the benefits you’ve earned. We’ve helped countless clients just like you, and we’re ready to apply our legal insight to your case. Understanding the ERISA Appeal Process If your claim has been denied, it’s critical to understand that the next steps are time-sensitive and require careful attention to detail. The Employee Retirement Income Security Act (ERISA) has specific rules for appeals that must be followed to the letter in order to protect your right to benefits. Here’s what you need to know about the appeal process: 1. Request a Copy of the Denial Letter After receiving a denial, your first step is to obtain and carefully review the denial letter from the insurance company. This document outlines the reasons for the denial of your claim and includes a detailed timeline for submitting your appeal. 2. Understand Critical Deadlines ERISA law typically allows 180 days from the date of denial to file an appeal. Missing this deadline can result in losing your opportunity to challenge the...


> If you're seeking a La Grange ERISA attorney, Bartolic Law is here to help. We fight denied ERISA claims, ensuring you get the benefits you deserve. Call us today to discuss your case.

- Published: 2025-06-01
- Modified: 2025-10-01
- URL: https://www.chicagodisabilitylawyers.com/citystate/erisa-attorney-la-grange/

When your hard-earned employee benefits are at stake, understanding the legal protections you have under the Employee Retirement Income Security Act (ERISA) is vital. ERISA, a federal law, is designed to safeguard employees' rights to benefits such as long-term disability, health insurance, and retirement plans. If you're a resident of La Grange facing a denied ERISA claim, you need experienced legal guidance to secure the benefits you deserve. At Bartolic Law, we are dedicated to helping employees in La Grange and throughout Illinois fight for their rights. What Is ERISA and Why Is It Important? ERISA establishes standards for private-sector employee benefit plans, ensuring transparency, accountability, and fairness. Employers and insurance companies must comply with specific rules governing how benefits are administered, while employees gain rights to appeal unfair claim denials. Whether you're dealing with a long-term disability plan or retirement benefits, ERISA works to protect you. However, insurance companies can still exploit loopholes to deny or delay your rightful claims, which is where legal representation becomes essential. Common Reasons for ERISA Claim Denials ERISA claims are commonly denied for reasons such as: Administrative Errors: Mistakes in filings or record-keeping can result in wrongful denials. Lack of Supporting Documentation: Insurance companies often cite insufficient medical records or failure to submit required forms. Policy Misinterpretation: Insurers may misinterpret, or sometimes manipulate, policy terms to avoid paying benefits. Preexisting Condition Exclusions: Claims linked to preexisting conditions are frequently rejected, even when they are invalidly applied. A denial doesn't mean your claim is...


> The Glenview retirement plan benefit claims lawyer at Bartolic Law helps resolve benefit disputes, including miscalculations and denials, ensuring you secure the retirement benefits you deserve.

- Published: 2025-04-26
- Modified: 2025-10-01
- URL: https://www.chicagodisabilitylawyers.com/citystate/glenview-retirement-plan-benefit-claims-lawyer/

Planning for retirement should offer peace of mind, not unnecessary stress. Your retirement plan benefits are a critical part of securing your financial future. Unfortunately, issues like miscalculation of benefits, denial of claims, or errors made by plan administrators can jeopardize your ability to enjoy the retirement you’ve worked so hard for. If you’re facing challenges with your retirement plan benefits, understanding your rights and seeking skilled legal representation can be the key to protecting your future. At Bartolic Law, our experienced retirement plan benefit claims lawyer can help you navigate complex laws and regulations to secure the benefits you’re entitled to. Common Challenges With Retirement Plan Benefits Retirement disputes are more common than many realize and can arise for several reasons. Miscalculation of benefits often occurs when employers incorrectly determine credited earnings, tax adjustments, or years of service. These errors can leave you shortchanged, depriving you of the benefits you rightfully earned. There are also denials of claims, which may happen when employers or plan administrators claim you didn’t meet certain qualifiers for enhanced pensions, vested benefits, or eligibility requirements. Additionally, misinterpretations of plan terms by administrators or retroactive changes to plan terms can further complicate matters. These disputes not only create financial uncertainty but can also put emotional strain on individuals and their families during an already challenging time. The complexity of retirement plans, especially those governed by ERISA (Employee Retirement Income Security Act), requires someone who understands the different rules and terms that often come into play....


> If you need a La Grange long-term disability attorney, Bartolic Law assists with long term disability appeals and securing your rightful benefits. Contact us today.

- Published: 2025-04-26
- Modified: 2025-04-26
- URL: https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-attorney-la-grange/

If your long-term disability claim has been denied, you're not alone. For many individuals in La Grange, the appeals process feels overwhelming and discouraging. Insurance companies often make the process unnecessarily complicated, counting on claimants to give up. Navigating through dense paperwork, meeting strict deadlines, and deciphering legal jargon can be exhausting, especially when you're already dealing with the physical and emotional toll of a disabling condition. Fortunately, Bartolic Law is here to take that burden off your shoulders and stand up for your rightful benefits. Common Challenges with Long-Term Disability Appeals A denied claim often feels like an uphill battle. Claimants face several challenges, including but not limited to: Complex Paperwork: Every denial comes with pages of forms, requests for additional documentation, and detailed instructions. Missing one step could jeopardize your case. Strict Deadlines: Under ERISA regulations, you typically have 180 days from the date of denial to file an appeal. While this may sound like ample time, building a comprehensive case within this window is hugely demanding. Legal Jargon: Insurance companies frame their denials in dense, technical language. Without a thorough understanding of policy terms, many individuals can't effectively argue against the reasons for denial. Understanding why claims are denied is another key step in the process. Common reasons include: Insufficient Medical Evidence: Insurance companies may argue that your medical records fail to prove the severity of your disability or its impact on your ability to work. Administrative Errors: Even a minor mistake, such as a clerical error...


> Get support from a trusted Chicago ERISA Disability Claims Attorney providing effective legal representation to secure denied benefits. Contact Bartolic Law today.

- Published: 2025-03-24
- Modified: 2025-03-24
- URL: https://www.chicagodisabilitylawyers.com/citystate/chicago-erisa-disability-claims-attorney/

Facing a denied ERISA disability claim can be overwhelming, especially when it’s your financial security on the line. If you are in Chicago and need help appealing a claim denial, Bartolic Law is here to guide you through the often frustrating process. With a proven track record of success in long-term disability appeals under ERISA, Bartolic Law combines legal knowledge, strategic insight, and personal commitment to obtain the benefits you rightfully deserve. Why Bartolic Law For Your ERISA Appeal? Bartolic Law is widely recognized for its skill in addressing the nuanced challenges of ERISA disability claims appeals. Over the years, we’ve fought to turn denials into payments for clients across Chicago. Our firm is built on core values like transparency, authenticity, and innovation, ensuring every client receives both legal and personal support during one of the most stressful times in their lives. We’ve successfully navigated cases involving some of the most tenacious insurance companies and complex medical conditions, ranging from autoimmune diseases and chronic pain disorders to mental health conditions. Whether your insurer has misinterpreted policy language or wrongfully denied your benefits, our team has the knowledge to build a compelling appeal that challenges flaws in the denial process. Personalized Defense for a Complex System The Employee Retirement Income Security Act (ERISA) presents unique procedural and legal challenges. From restrictive deadlines to limited opportunities for new evidence, ERISA makes appealing a denied claim a daunting task for most individuals. Many clients feel the system is stacked against them, especially when...


> At Bartolic Law, our Orland Park Long Term Disability Appeals Lawyer will help you secure the benefits you deserve. We deliver reliable guidance, strategic representation, and proven results.

- Published: 2025-03-24
- Modified: 2025-03-24
- URL: https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-appeals-lawyer-orland-park/

When your long-term disability benefits are denied, the impact can be overwhelming—emotionally, financially, and physically. Every day without those benefits could mean mounting bills, added stress, and distractions from focusing on your health. If you’re in Orland Park and facing a denial, the time to act is now. Long-term disability appeals are not just about challenging a denial—they’re about securing your financial stability and ensuring you receive the benefits you’ve earned. To succeed, you need legal representation that understands the complexities of these cases. That’s where Bartolic Law comes in. The Challenges of Long-Term Disability Appeals Long-term disability appeals are far more challenging than most people anticipate. Insurance companies often use vague policy language, narrow definitions of disability, or even subjective interpretations of evidence to justify denials. Add to that stringent deadlines—typically 180 days under ERISA regulations—and the process becomes even more daunting. Every appeal requires thorough preparation, which includes obtaining comprehensive medical records, securing statements from treating physicians, and addressing any discrepancies in prior claims. Missing a single step can jeopardize your case. Bartolic Law, headquartered near Orland Park, helps clients overcome these hurdles. With years of experience in ERISA litigation and long-term disability claims, our firm understands insurers’ tactics and how to counter them effectively. We focus on building appeals that not only address the reasons for denial but also anticipate further resistance. Our aim is to present a compelling case that forces your insurer to reconsider and approve your claim. Why Choose Bartolic Law? At Bartolic Law,...


> Protect your financial future with Bartolic Law, La Grange's trusted retirement plan benefit claims attorney. Contact us today for legal representation.

- Published: 2025-02-18
- Modified: 2025-02-18
- URL: https://www.chicagodisabilitylawyers.com/citystate/retirement-plan-benefit-claims-attorney-la-grange/

Are you struggling to secure the retirement benefits you rightfully deserve? At Bartolic Law, we understand the challenges that come with navigating retirement plan benefit claims. Our experienced team is here to ensure that you receive the financial support you've worked so hard to earn. Understanding Retirement Plan Benefit Claims Retirement plan benefits, whether governed by an employer-sponsored plan or a private agreement, are vital to financial security after years of hard work. These plans, including Defined Benefit Plans, 401(k)s, and Supplemental Executive Retirement Plans (SERPs), are subject to strict regulations under the Employee Retirement Income Security Act (ERISA). Unfortunately, many individuals encounter issues ranging from denied claims to miscalculated benefits. The legal nuances involved in such disputes can be overwhelming, especially when you're up against large employers or insurance companies. Whether it's a denial of service credits, undercalculation of earnings, or disputes over vesting, navigating ERISA regulations requires a thorough understanding of both the law and your plan's terms. Potential Impacts of Denied or Delayed Benefits The stakes are high when it comes to retirement benefits. Without receiving the support you're entitled to, you could face serious financial strain that limits your ability to meet daily expenses or maintain the lifestyle you planned for. Additionally, delays in payments can cause uncertainty and disrupt your retirement goals. Challenges may include: Financial instability: Loss of income at a critical time in your life Stress and anxiety: Facing complex legal battles while managing your retirement Compromised retirement plans: Adjusting your lifestyle due...


> If you need an ERISA disability claims lawyer in Oak Park, Bartolic Law has years of experience helping clients secure disability benefits after a denial. Contact us today.

- Published: 2025-02-18
- Modified: 2025-02-18
- URL: https://www.chicagodisabilitylawyers.com/citystate/erisa-disability-claims-lawyer-in-oak-park/

ERISA disability claims can feel overwhelming, especially when your financial stability and health are at stake. At Bartolic Law, we are dedicated to helping individuals in Oak Park protect their rights under ERISA and secure the benefits they deserve. Our personalized approach and track record make us a trusted choice for those facing denied disability claims. What Is an ERISA Disability Claim? ERISA, short for the Employee Retirement Income Security Act, governs most disability insurance plans provided through employers. While ERISA sets out to protect employees, the claims process can be intricate and riddled with challenges. Insurance companies may deny claims for various reasons, including insufficient medical evidence, procedural errors, or failure to meet the plan's definition of disability. If your claim is denied, appealing that decision may feel like an uphill battle. ERISA law adds legal complexities that can make it difficult for individuals to fight back without professional guidance. Impacts of a Denied Disability Claim A denied disability claim can have significant consequences for individuals and their families. Without access to the benefits you're entitled to, you may face financial instability while struggling to cover daily expenses and medical bills. Meanwhile, the added stress of fighting a denial can take a toll on both your mental and physical well-being. Additionally, navigating the appeals process without proper understanding of ERISA laws can lead to missed deadlines or mistakes that further jeopardize your claim. It's critical to act swiftly and strategically to protect your rights. How an ERISA Disability Claims...


> Bartolic Law is your trusted ERISA lawyer in Skokie, offering a proven track record of success, personalized service, and the local advantage to help you navigate ERISA challenges.

- Published: 2025-01-12
- Modified: 2025-01-12
- URL: https://www.chicagodisabilitylawyers.com/citystate/erisa-lawyer-skokie/

An Employee Retirement Income Security Act (ERISA) claim can be very challenging, especially when faced with denied employee benefits or retirement plan disputes. ERISA is a federal law created to protect employee benefits, such as health insurance, long-term disability, and retirement plans, ensuring fairness and transparency in their administration. If you're in Skokie and struggling with ERISA-related issues, Bartolic Law is here to help. What Sets Bartolic Law Apart At Bartolic Law, we understand the challenges individuals face when dealing with denied claims or disputes concerning their benefits. With decades of experience in ERISA litigation and appeals, our team has become a trusted resource for clients throughout the Chicagoland area. Led by Michael Bartolic, a nationally recognized ERISA attorney, our firm focuses exclusively on employee benefits law, giving us an unparalleled depth of knowledge to address even the most complex cases. Our Experience We handle a wide range of ERISA-related cases, including but not limited to: Long-Term Disability Appeals: Whether your claim was unfairly denied or undervalued, we turn denials into payments through effective advocacy. ERISA § 502(a) Litigation: Our attorneys excel at interpreting benefit plan language and ensuring clients receive promised benefits. We also represent professionals across various industries in Skokie, from educators and healthcare workers to skilled tradespeople and office professionals. Common Challenges Faced by Clients Many of our clients come to us during some of the most stressful times in their lives. Common challenges include: Denied Disability Claims: Insurance companies often rely on technicalities or incomplete evidence...


> For a trusted Long Term Disability Attorney in Orland Park, Bartolic Law is dedicated to fighting for your rights and achieving favorable outcomes. Call us to schedule a consultation.

- Published: 2025-01-12
- Modified: 2025-10-01
- URL: https://www.chicagodisabilitylawyers.com/citystate/orland-park-long-term-disability-attorney/

When facing the challenges of a long-term disability claim, having the right attorney on your side can mean the difference between a denial and the benefits you deserve. At Bartolic Law, we understand how complex and frustrating the disability claims process can be. Serving clients in Orland Park and beyond, we are dedicated to advocating for individuals whose claims have been denied or improperly handled. With a long history of success and a commitment to putting clients first, Bartolic Law is here to help you secure the benefits you earned. The Challenges of Long Term Disability Claims Long-term disability claims can be a lengthy and complex process, often involving multiple appeals and legal proceedings. Insurance companies have teams of lawyers working to protect their interests, making it difficult for individuals to navigate the system alone. Furthermore, understanding the nuances of coverage under different policies and appealing denials requires knowledge and experience in disability law. Why You Need an Orland Park Long Term Disability Attorney Having an experienced long term disability attorney on your side can make all the difference in successfully obtaining benefits. At Bartolic Law, we have a deep understanding of federal laws such as ERISA (Employee Retirement Income Security Act) that govern most employee benefit plans, including long-term disability insurance. We also have extensive knowledge of the tactics used by insurance companies to deny or delay claims and are prepared to advocate for you. Turning Denials into Approvals If your long-term disability claim has been denied, Bartolic Law...


> Bartolic Law, your Glenview ERISA disability claims lawyer, guides you through complex ERISA claims to protect your rights and help secure the benefits you deserve. Call us today.

- Published: 2024-12-28
- Modified: 2025-10-01
- URL: https://www.chicagodisabilitylawyers.com/citystate/glenview-erisa-disability-claims-lawyer/

ERISA disability claims can feel overwhelming. At Bartolic Law, we bring clarity to the process, ensuring our clients' rights are protected and their benefits secured. If you're in Glenview and need assistance with an ERISA disability claim, we are here to help. What Is ERISA? ERISA, the Employee Retirement Income Security Act of 1974, is a federal law designed to regulate employee benefit plans, including long-term disability insurance. Its primary purpose is to ensure plan participants are treated fairly and to provide safeguards that protect benefits. Under ERISA, plan administrators must follow strict rules, such as the timely processing of claims, transparent communication, and fair decision-making. However, this same law can be daunting due to its intricate legal requirements and procedural hurdles. If you've had your disability claim denied or delayed, understanding your rights under ERISA is essential. Our legal team in Glenview knows how to cut through this complexity to fight for the benefits you were promised. Bartolic Law's Experience in ERISA Disability Claims At Bartolic Law, we are leaders in the field of ERISA disability claims. We understand the intricate framework of ERISA and how to build strong cases aimed at securing our clients' benefits. Our founder, Michael Bartolic, is nationally recognized for his ability to simplify complex legal matters and deliver results. We've successfully represented clients facing some of the toughest challenges and against some of the largest insurance companies. Our team's approach prioritizes innovation, transparency, and compassion. Every case is unique, and we create personalized strategies...


> Ensure your long-term disability claim is handled with precision by Bartolic Law, a Skokie long-term disability appeals lawyer helping clients turn denied claims into approved benefits.

- Published: 2024-12-28
- Modified: 2025-10-01
- URL: https://www.chicagodisabilitylawyers.com/citystate/skokie-long-term-disability-appeals-lawyer/

If your long-term disability claim has been unjustly denied, you’re not alone. Many individuals in Skokie face the frustration, stress, and uncertainty that come with insurers rejecting valid claims. At Bartolic Law, we understand long-term disability appeals, offering compassionate legal representation to help you secure the benefits you deserve. Understanding the Long Term Disability Appeal Process After your long-term disability claim is denied, you have the right to appeal the insurer’s decision. However, this process is time-sensitive and highly detailed. Under the Employee Retirement Income Security Act (ERISA), you typically have 180 days to file your appeal. This period is used to gather all necessary evidence to strengthen your case. The appeal itself functions like a “paper trail,” where you must provide thorough documentation, including medical records, expert opinions, and any other evidence supporting your claim. The process demands precision because, in most cases, your appeal is the last opportunity to introduce new evidence. Once the appeal is filed, a judge will rely solely on this record if your case goes to court. That’s why Bartolic Law prioritizes creating a compelling appeal that presents your case clearly and persuasively to the insurer. Common Reasons for Claim Denial Insurance companies are known for denying claims to protect their bottom line. Common reasons include: Insufficient Medical Evidence: The insurer claims you haven’t provided enough documentation to support your disability. Pre-Existing Condition Exclusion: The insurer argues your disability results from a condition that existed before your policy began. Policy Limitations: Some policies impose...


> Optimize your ERISA appeal with the guidance of an Oak Park ERISA Appeals Lawyer at Bartolic Law. Schedule a consultation today to secure the outcome you deserve.

- Published: 2024-12-07
- Modified: 2024-12-07
- URL: https://www.chicagodisabilitylawyers.com/citystate/oak-park-erisa-appeals-lawyer/

Receiving a long-term disability claim denial is an overwhelming and frustrating experience. You have likely invested a significant amount of time, effort, and money into your insurance policy, expecting that it will provide financial support if an illness or injury interferes with your ability to work. Unfortunately, insurance companies often prioritize their profits over providing fair and timely disability benefits to their policyholders. The Employee Retirement Income Security Act is critical to safeguarding employees' rights to their benefits. At Bartolic Law, we have years of experience in ERISA appeals and have a proven track record of helping clients successfully navigate the complex appeals process. Understanding ERISA The Employee Retirement Income Security Act is a law that dictates minimum standards for most private employer-sponsored group health plans, pension plans, and other employee benefit plans. It was enacted in 1974 to protect employees' rights to their benefits and provide oversight for these types of plans. Under ERISA, employers must follow specific guidelines when offering these benefits to their employees, such as providing detailed information about the plan's features and funding requirements. Why Hire an Oak Park ERISA Appeals Lawyer? While ERISA is intended to protect employees' rights, it is also a highly complex law with many rules and regulations. This complexity often works to the advantage of insurance companies, who may use loopholes and technicalities to deny or delay benefits to policyholders. That's where an experienced ERISA appeals lawyer comes in. At Bartolic Law, we understand the intricacies of ERISA and have...


> Bartolic Law provides legal representation for those seeking an Evanston retirement plan benefit claims attorney. Contact us for help overcoming denied claims and complex plans.

- Published: 2024-12-07
- Modified: 2025-10-01
- URL: https://www.chicagodisabilitylawyers.com/citystate/retirement-plan-benefit-claims-attorney-evanston/

Retirement plan benefits are complex, especially when faced with challenges like denied claims or intricate regulations. For residents of Evanston, seeking the guidance of a dedicated Retirement Plan Benefit Claims Attorney is crucial. At Bartolic Law, we understand the frustrations and uncertainties that come with managing your pension and retirement benefits. Our team is committed to ensuring that you receive the benefits you deserve under the Employee Retirement Income Security Act (ERISA). Common Challenges in Retirement Plan Claims Individuals often encounter numerous obstacles when dealing with retirement plan claims. Complex regulations can make it difficult to understand your rights and the benefits to which you are entitled. Denied claims can leave you feeling helpless and unsure of the next steps. At Bartolic Law, we demystify these challenges and provide clear guidance. Experience You Can Trust Bartolic Law is renowned for its experience in handling retirement plan disputes. Our team has represented clients in cases involving Supplemental Executive Retirement Plans, single-employer defined benefit plans, and multi-employer pension plans. We have a track record of challenging unfair denials and securing favorable outcomes for our clients. We are well-versed in ERISA litigation, possessing the necessary skills to navigate the legal intricacies and advocate for your rights. Whether it's under-calculated benefits, misclassification of employment, or retroactive changes in plan terms, we have the experience to handle a range of issues effectively. Personalized Service and Client Communication At Bartolic Law, we prioritize personalized service and open communication with our clients. We believe in involving our...


> The Evanston LTD appeals lawyer at Bartolic Law offers committed support to secure the rightful benefits you deserve.

- Published: 2024-10-14
- Modified: 2024-10-14
- URL: https://www.chicagodisabilitylawyers.com/citystate/evanston-ltd-appeals-lawyer/

At Bartolic Law, we understand the stress and frustration that comes with fighting for your rightful benefits. While you may have initially filed your claim on your own or with the help of a general attorney, appealing a denial requires in-depth knowledge and understanding of insurance law. Our firm is committed to helping clients reclaim their benefits, ensuring they receive the financial support they deserve during challenging times. Common Reasons for LTD Claim Denial Unfortunately, many long-term disability (LTD) claims are denied by insurance companies for many reasons, creating significant challenges for individuals who rely on these benefits. Some common causes for claim denials include lack of sufficient medical evidence to support the claim, missed deadlines for filing necessary documentation, and issues related to incorrect or incomplete paperwork submitted during the application process. Additionally, some insurance companies may employ tactics that involve denying legitimate claims as a means to cut costs and increase their profits. This often leads to frustration and financial strain for those who are genuinely unable to work due to their disabilities. In these complicated situations, having an experienced appeals lawyer can make all the difference, as they possess the knowledge to navigate the appeals process effectively, gather the necessary evidence, and advocate strongly on behalf of the claimant. Understanding the Appeal Process Understanding the intricacies of LTD appeals is crucial. The process is not just about resubmitting your claim; it involves a detailed review of the denial reasons, compiling robust medical evidence, and potentially challenging the...


> Chicago LTD appeals lawyer Bartolic Law provides legal guidance through the long-term disability appeals process, helping clients turn denied claims into approved benefits.

- Published: 2024-10-14
- Modified: 2025-10-01
- URL: https://www.chicagodisabilitylawyers.com/citystate/chicago-ltd-appeals-lawyer/

Long-term disability (LTD) claims can be a lifeline for individuals unable to work due to debilitating conditions. However, the road to securing these benefits is often fraught with challenges, particularly when a claim is denied. In Chicago, having experienced legal representation during the LTD appeals process is crucial. Bartolic Law is here to guide you through this complex journey, ensuring you have the best chance of success. The Importance of Legal Representation The appeals process for LTD claims is highly technical and time-sensitive. Claimants often face hurdles such as incomplete documentation, lack of medical evidence, or procedural errors that can jeopardize their claim. Navigating these challenges requires a deep understanding of ERISA regulations and insurance policies. Bartolic Law can address these complexities, providing clients with the insight and support needed to overcome obstacles and secure the benefits they deserve. Why Choose Bartolic Law? Bartolic Law is synonymous with innovation, compassion, and a proven track record in LTD appeals. Our team has successfully represented numerous clients, transforming denied claims into approved benefits. Our approach is client-focused, ensuring personalized attention to each case. The LTD Appeals Process Understanding the appeals process is critical to a successful outcome. Here's a brief overview: Initial Denial and Review: After receiving a denial, reviewing the insurer's decision is essential to identify errors or omissions. Gathering Evidence: Collecting comprehensive medical records, expert opinions, and other pertinent documents is crucial. Filing the Appeal: The appeal must be meticulously prepared and filed within the specified deadline. Hearing and Decision:...


> Bartolic Law is a trusted Chicago ERISA appeals law firm with a track record of turning long-term disability denials into approvals. Contact us today for a consultation.

- Published: 2024-08-21
- Modified: 2024-09-09
- URL: https://www.chicagodisabilitylawyers.com/citystate/chicago-erisa-appeals-law-firm/

When your long-term disability claim has been denied, the frustration and uncertainty can be overwhelming. At Bartolic Law, we understand ERISA (Employee Retirement Income Security Act) appeals and are experienced in turning denials into payments and securing the benefits you rightfully deserve. Our Chicago-based firm is dedicated to guiding you through the complexities of the ERISA appeals process, ensuring you feel supported every step of the way. What Sets Bartolic Law Apart? Bartolic Law is not just another law firm. Our commitment to excellence makes us the leading choice for ERISA appeals in Chicago. Here’s what distinguishes us: Experience: We are well-versed in ERISA law and have extensive experience handling a range of disability cases, including autoimmune diseases, cardiovascular conditions, mental health issues, and more. Client-Centric Approach: We understand that our clients come to us during some of the most challenging times in their lives. Our team is compassionate, transparent, and dedicated to providing personalized legal strategies that meet the unique needs of each client. Innovative Solutions: At Bartolic Law, we believe in finding creative ways to overcome the obstacles in your case. We combine traditional litigation techniques with innovative approaches to maximize your chances of success. Proven Track Record: Our success stories speak for themselves. We have consistently secured favorable outcomes for our clients, transforming denials into approved claims. Navigating the ERISA Appeals Process The ERISA appeals process can be intricate and daunting. Here’s an overview of what you can expect when working with Bartolic Law: Initial Consultation: We...


> Secure your long-term disability benefits with a Glenview long-term disability lawyer from Bartolic Law.

- Published: 2024-05-20
- Modified: 2024-05-22
- URL: https://www.chicagodisabilitylawyers.com/citystate/glenview-long-term-disability-lawyer/

When facing the daunting challenge of securing long-term disability benefits, the choice of legal representation is crucial. A Glenview long-term disability lawyer from Bartolic Law has the knowledge and experience necessary to navigate complex legal systems and secure a favorable outcome. We are passionate about helping individuals with disabilities get the financial support they are entitled to. What is Long-Term Disability? Long-term disability refers to benefits that provide income replacement for individuals who are unable to work as a result of a disabling medical condition. These benefits are typically provided through private insurance policies or employer-sponsored plans. Unlike short-term disability, which only covers a temporary period of time, long-term disability benefits can last for years or even until retirement age. Why Choose Bartolic Law? At its core, long-term disability insurance exists to provide financial support for individuals who are unable to work because of a disability. Unfortunately, many insurance companies make it challenging for individuals to receive the benefits they deserve. This is where a skilled and dedicated long-term disability lawyer can make all the difference. At Bartolic Law, we have extensive experience in handling long-term disability claims. Our team has successfully represented clients in Glenview and throughout Illinois, advocating for their rights and fighting against insurance companies' tactics to deny or limit benefits. Our Approach At Bartolic Law, we understand that every case is unique and requires a tailored approach. We begin by thoroughly reviewing our client's disability policy to fully understand their coverage and any potential roadblocks in...


> Get effective representation with the Oak Park long term disability attorneys at Bartolic Law. Reach out to us for comprehensive legal services.

- Published: 2024-04-14
- Modified: 2024-04-16
- URL: https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-attorneys-oak-park/

When you're grappling with a long-term disability, the last thing you need is the added stress of navigating complex legal procedures. That's where the Oak Park long term disability attorneys at Bartolic Law steps in. As a nationally recognized law firm, we have years of experience in long-term disability cases, providing our clients with authentic representation, innovative solutions, and compassionate service. Advocates for Disability Rights At Bartolic Law, we understand that disability doesn't discriminate. It can affect anyone, from teachers and healthcare professionals to skilled tradespeople and technology workers. Our attorneys bring extensive experience in handling an array of disabilities, including autoimmune diseases, cancer, cardiovascular diseases, mental health disorders, and more. Our knowledge lies not only in understanding the medical complexities of these conditions but also in recognizing the unique vocational demands and stresses applicable to all occupations. We humanize your case, presenting visual evidence of your struggles, adjustments, and routines, making it harder for insurers to deny your claim. Our Services We offer comprehensive services related to Long Term Disability, including appeals, claims, lawsuits, and ERISA 502(a) litigation. Our track record speaks for itself. We've successfully contested benefit terminations, application of 24-month limitations, and pre-existing condition exclusions. Our skilled team will thoroughly assess your case, devise customized strategies, and work tirelessly to secure the benefits you're entitled to. Client-Centered Approach At Bartolic Law, we firmly believe that our success lies in our clients' success. That's why we adopt a client-centered approach to every case we handle. We prioritize seeking...


> Get the help of a dedicated Orland Park ERISA lawyer at Bartolic Law. Contact us for a consultation and start defending your benefits today.

- Published: 2024-03-04
- Modified: 2024-04-17
- URL: https://www.chicagodisabilitylawyers.com/citystate/orland-park-erisa-lawyer/

If you are struggling with the complex maze of ERISA regulations following a denial of benefits, you need a legal partner who can navigate the intricate framework on your behalf with precision and steadfastness. Our Orland Park ERISA lawyer understands these challenging cases and brings a wealth of experience and a history of success to the table. At Bartolic Law, we understand your rights under the Employee Retirement Income Security Act, and we are here to assert those rights with a strategic and results-focused approach. Trust us to work tirelessly for the benefits you rightfully deserve. Understanding ERISA and Employee Benefits ERISA, which stands for Employee Retirement Income Security Act, is a federal law that establishes standards for various employee benefit plans. These plans encompass an array of critical benefits, including long-term disability, health insurance, life insurance, retirement plans, and more. As such, ERISA plays a pivotal role in safeguarding the interests of employees participating in these vital programs. Navigating the landscape of ERISA law can pose significant challenges to individuals seeking to assert their rights and claim their entitled benefits. This is where Bartolic Law excels, offering comprehensive assistance with ERISA 502(a) litigation, which encompasses disputes over benefit claims, appeals, and lawsuits. Overcoming Adversities in ERISA Individuals engaging with ERISA may encounter a range of adversities, from the denial of benefits to arbitrary decisions by insurance companies and disputes over plan interpretation. Bartolic Law has a distinguished history of delivering favorable outcomes for our clients, both in class actions...


> Bartolic Law offers personalized guidance to clients looking for an Oak Park ERISA attorney. Schedule your consultation today to reclaim your benefits and secure your financial future.

- Published: 2024-01-13
- Modified: 2025-10-01
- URL: https://www.chicagodisabilitylawyers.com/citystate/erisa-attorney-oak-park/

Employee Retirement Income Security Act (ERISA) cases can be challenging and overwhelming. It is crucial to have a trusted legal guide on your side. If you are seeking an Oak Park ERISA attorney, Bartolic Law brings a wealth of knowledge and experience to the table. We are well-versed in ERISA law and have a history of success in helping clients navigate through complex ERISA cases. Understanding ERISA Law ERISA is a federal law that sets minimum standards for retirement, health, and welfare plans offered by private employers. This law aims to protect employees' rights and interests by regulating how these plans are managed. It establishes fiduciary duties for those in charge of managing these plans and provides guidelines for how the plan's assets should be handled. At Bartolic Law, we understand the importance of protecting employees' rights and ensuring they receive the benefits they are entitled to. Our team has a deep understanding of ERISA law and can provide personalized guidance to clients facing issues related to their retirement, health, or welfare plans. Some common ERISA cases involve disputes over pension plans, wrongful denial of benefits, claims for disability insurance benefits, and breaches of fiduciary duty. Our attorneys have a strong track record in handling these cases and know the ins and outs of ERISA law. We will work tirelessly to ensure that you receive the benefits you deserve. Why Choose Us? Choosing the right ERISA attorney is crucial for a successful outcome in your case. At Bartolic Law, we...


> Our Evanston ERISA lawyers advocate for the injured and help ensure that they receive their long-term disability benefits when the need arises.

- Published: 2023-12-24
- Modified: 2023-12-24
- URL: https://www.chicagodisabilitylawyers.com/citystate/evanston-erisa-lawyers/

A majority of Illinois residents mistakenly believe that their chances of ever sustaining a long-term disability are one in a million, but the truth is that about one in four individuals has a chance of sustaining a long-term disability before they retire. A disability may last for months or even years, during which an individual is entirely unable to work, participate in normal activities, or simply enjoy life. Because of the high risk of long-term disability and because of the negative implications it can pose on one’s life, long-term disability insurance is a wise investment. Unfortunately, even those who do invest in long-term disability insurance often find that they have a hard time recuperating the benefits that they need when it comes time to make a claim. When long-term disability benefits are offered through an employer, they’re usually governed by a complex federal law known as ERISA, and understanding how to make a claim or appeal under this law can be difficult. If you suffer from a long-term disability, if you invested in long-term disability insurance, and if your insurance carrier is giving you a hard time regarding your benefits, the Evanston ERISA lawyers at Bartolic Law may be able to help you fight for the benefits that are rightfully yours. Contact us today to discuss your case and learn more. When to Hire an Evanston ERISA Attorney The sooner you hire a disability attorney to represent you in your disability case, the better. At Bartolic Law, our Evanston ERISA...


> For trusted guidance in filing a disability claim, contact our Evanston long-term disability lawyers.

- Published: 2023-08-06
- Modified: 2023-08-06
- URL: https://www.chicagodisabilitylawyers.com/citystate/evanston-long-term-disability-lawyers-2/

A long-term disability is one that prevents you from working for a year or longer. It can happen as a result of accident injuries, illnesses, or chronic health conditions. At the Law Offices of Michael Bartolic, we get you the benefits you need to make up for the lost income you suffer as a result. Our nationally recognized Evanston long-term disability lawyers provide the professional legal representation you need in filing a claim, helping to avoid denials or delays. With decades of experience on our side, we fight to get you the maximum amount you are entitled to in the quickest, most efficient manner possible. Our Evanston Long-Term Disability Lawyers Act as a Strong Ally According to the Social Security Administration (SSA), roughly one out of every four 20-year-olds suffers a long-term disability prior to retirement age. Among the most common causes include: Accidental injuries; Chronic health conditions, such as diabetes and heart disease; Cancer and other major illnesses; Respiratory illnesses; Autoimmune disorders; Chronic pain; Depression and other serious mental health conditions. When these leave you unable to work for a year or more, you may be entitled to long-term disability benefits through your employers. At the Law Offices of Michael Bartolic, our Evanston long-term disability lawyers act as strong legal allies on your side in filing a claim, helping to prevent denials or delays. We Help You Get Long-Term Disability Benefits You Need to Provide for Yourself and Your Family When long-term disabilities prevent you from working, benefits available...


> Long-term disability claims are complicated. At Bartolic Law, our Glenview long-term disability attorneys are ready to help you understand your rights and secure the benefits you deserve.

- Published: 2023-07-15
- Modified: 2025-09-30
- URL: https://www.chicagodisabilitylawyers.com/citystate/glenview-long-term-disability-attorney/

At Bartolic Law, our Glenview long-term disability attorney is a dedicated, results-focused advocate for disabled individuals and their families. With deep knowledge of both ERISA and Illinois state law, our firm understands the ins and outs of the system. If you need legal guidance with a long-term disability claim or long-term disability appeal, we are here as a resource. Contact us today for your no-cost, no-obligation case review with a top long-term disability lawyer. Most Long Term Disability Policies are Regulated By ERISA For long-term disability claims, it is crucial to understand that the vast majority of long-term disability policies offered in the United States—including in Glenview, IL—fall under the regulatory umbrella of the Employee Retirement Income Security Act (ERISA). ERISA is a federal law that safeguards employees' benefits rights, ensuring that the promises made by employers regarding pension and benefit plans are kept. Employer-sponsored disability plans fall under ERISA. A long-term disability policy purchased on the private individual market—a relatively small percentage overall—falls under Illinois state law. We Handle All Aspects of Long Term Disability Claims in Glenview When it comes to long-term disability claims, our team offers comprehensive services. Our expertise spans filing claims, navigating appeals, and, if necessary, litigating in court. We take a hands-on approach from the onset of your claim, assisting with the initial filing to help avoid the common pitfalls that can lead to denials. In the unfortunate event of a denial, our Glenview long-term disability lawyer will meticulously review your case and take...


> ERISA is a complex federal law that impacts your rights to employer-provided benefits. When disputes arise, get our Skokie ERISA lawyer on your side.

- Published: 2023-05-20
- Modified: 2023-05-20
- URL: https://www.chicagodisabilitylawyers.com/citystate/skokie-erisa-lawyer/

Benefits provided by your employer help protect your financial security. However, obtaining what you are entitled to often proves challenging. To protect your rights, get Bartolic Law on your side. Disability insurance, retirement plans, and other employer-provided benefits are covered under the Employee Retirement Income Security Act (ERISA). This is a complex federal law that determines how benefits are administered and the process for appealing denied claims. As an experienced Skokie ERISA lawyer, we provide trusted legal guidance and professional representation when problems arise. To request a consultation, contact our office today. Get Comprehensive Client Service From Our Skokie ERISA Lawyer ERISA sets minimum standards for the administration of employer-provided benefits. It dictates the procedures that must be followed for a wide range of health and welfare services often included as part of an employee's overall compensation package: Short and long-term disability insurance benefits; Retirement accounts, pensions, and stock options; Severance pay and package benefits; SERP and other types of executive deferred compensation. Policies and procedures established under ERISA must be followed when disputes arise with any of the above or other types of employer-provided benefits. These have the potential to impact your rights and financial security for years into the future. Unfortunately, few law firms have the knowledge or experience needed in this area of law. At Bartolic Law, we do. Our Stokie ERISA lawyer provides the comprehensive client service needed in these cases and can take the legal actions needed to protect your rights. We Protect Your Rights...


> Our Skokie long-term disability lawyer helps you get the maximum benefits if you are unable to work for a year or longer.

- Published: 2023-05-13
- Modified: 2026-02-13
- URL: https://www.chicagodisabilitylawyers.com/citystate/skokie-long-term-disability-lawyer/

If you suffer from a medical condition that leaves you unable to work for a year or longer, you may be entitled to long-term disability benefits. These may be available through employer-provided policies or privately purchased coverage and help make up for lost income. However, filing a claim is a confusing and time-consuming process, and delays or denials are common. At Bartolic Law, our Skokie long-term disability lawyer answers your questions and provides trusted legal guidance to get the maximum amount you are entitled to in the quickest manner possible. Get Our Skokie Long-Term Disability Lawyer on Your Side According to the Centers For Disease Control and Prevention (CDC), close to 2. 5 million people suffer from some type of disability. This can impact your mobility, preventing you from performing even simple daily tasks. When they keep you from working for a year or longer, you may be entitled to long-term disability benefits. Long-term disability insurance is often included as part of the overall compensation package provided by your employer. You may also be covered through policies purchased via private insurers. At Bartolic Law, we guide you in gathering the information needed to file a claim and deal with insurance representatives on your behalf. Our Skokie long-term disability lawyer acts as a strong legal advocate on your side, helping clients who suffer from the following conditions: Autoimmune disorders; Back, neck, head, and spinal cord injuries; Cancer and other serious illnesses; Chronic health conditions, such as diabetes or heart disease; Chronic...


> To get the amount you are entitled to. Contact our retirement plan benefit claims attorney in Chicago.

- Published: 2023-04-22
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/retirement-plan-benefit-claims-attorney-chicago/

After working hard all your life and devoting much of your time to your job, you look forward to retirement. Retirement plans help to ensure you are provided for financially. Unfortunately, problems can arise when it comes time to file a claim. Ar the Law Offices of Michael Bartolic, LLC. , we provide the trusted legal guidance you need in this situation. Our retirement plan benefit claims attorney in Chicago helps you resolve issues that impact your financial security and get the total amount you are entitled to. Common Problems In Filing Retirement Benefit Claims in Chicago According to the Bureau of Labor Statistics (BLS), roughly two-thirds of all U. S. workers are entitled to some type of retirement benefits. As traditional employer-provided pension plans are being offered far less these days, nearly half of all retirement benefits involve IRAs, 401ks, and other plans to which you contribute regularly. After sacrificing your own income to pay into these plans, it can come as a shock when you finally retire to find the benefits you receive are less than what you planned for or need to live comfortably. To protect yourself and your rights in this situation, reach out to the Law Offices of Michael Bartolic, LLC. right away. We provide the professional legal representation you need in resolving disputes involving retirement plan benefits claims in Chicago, which may include: Undercalculating credited earnings; Denial of years of service; Retroactive changes in retirement terms; Changes in control triggers of benefits; Misclassification of...


> To prevent common problems when filing for benefits, contact our long-term disability claims lawyer in Chicago.

- Published: 2023-04-15
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-claims-lawyer-chicago/

Injuries, illnesses, or chronic health conditions can leave you unable to work. Employer-provided long-term disability benefits provide a safety net. They make up for lost income and ensure you and your family are provided for, but filing a claim often proves challenging. At the Law Offices of Michael Bartolic, LLC. , we provide the trusted legal guidance you need throughout the process. Our long-term disability claims lawyer in Chicago acts as a strong advocate on your side and helps you get the total amount of benefits you deserve. Common Issues When Filing Long-Term Disability Claims in Chicago Long-term disability benefits may be provided by your employer as part of your employee compensation package. These offset lost income if you are unable to work for a year or longer. The Bureau of Labor Statistics (BLS) reports up to two-thirds of workers have employer-provided long-term disability insurance coverage. However, when it comes time to file a claim, the process often is a challenge. Problems in processing long-term disability claims, approving benefits, and paying out the amount workers are entitled to are common. At the Law Offices of Michael Bartolic, LLC. , we act as a strong ally on your side throughout the application process, resolving issues such as: Questions concerning eligibility; Disputes over the amount you are entitled to; Concerns over qualifying conditions; Denials of claims applications; Paying out less than the total amount the claimant is otherwise entitled to. We Protect Your Rights in Chicago Long-Term Disability Claims Dealing with disputes...


> Long-term disability insurance supplements lost income if unable to work. Our Evanston long-term disability lawyers help you get the benefits to which you are entitled.

- Published: 2023-03-25
- Modified: 2023-03-25
- URL: https://www.chicagodisabilitylawyers.com/citystate/evanston-long-term-disability-lawyers/

Long-term disability insurance acts as a safety net if you are unable to work. It provides benefits to offset your losses, but filing a claim and getting these benefits approved is often a challenge. The Law Offices of Michael Bartolic provide the caring support and professional legal guidance you need in this situation. Our Evanston long-term disability lawyers assist you throughout the process, helping you get the total amount you deserve. Long-Term Disability Benefits in Evanston Protect You if You are Unable to Work Long-term disabilities are generally categorized as any type of physical, mental, or cognitive condition that prevents you from working for a year or longer. Long-term disabilities can happen as a result of accidental injuries, due to chronic health conditions such as heart disease or diabetes, and due to severe illnesses, such as cancer. Being unable to work as a result threatens your financial security, peace of mind, and overall health. At the Law Offices of Michael Bartolic, our Evanston long-term disability lawyers help you get the benefits you deserve. You may be entitled to these benefits through the following: Employer-Provided Long-Term Disability (LTD) Insurance: According to the Bureau of Labor Statistics, over a third of all workers in the U. S. are entitled to long-term disability benefits through insurance provided by employers as part of their overall compensation package. Private Long-Term Disability Policies: When employer-provided LTD insurance is unavailable or when wanting to add additional coverage, many people invest in long-term disability policies, available through most...


> ERISA can be complicated. You don’t have to navigate a claim or appeal alone. At Bartolic Law, our Oak Park ERISA lawyer is ready to help you find the best solution for your case.

- Published: 2023-01-22
- Modified: 2025-09-30
- URL: https://www.chicagodisabilitylawyers.com/citystate/oak-park-erisa-lawyer/

At Bartolic Law, our Oak Park ERISA lawyer is a knowledgeable, experienced, and passionate advocate for clients. With the specialized expertise to handle even the most complex of ERISA claims, we are dedicated to protecting the rights and interests of our clients through every step of the claims process. For a strictly confidential, no-obligation initial consultation with a top Illinois ERISA lawyer, please do not hesitate to contact us today. ERISA is a Federal Law that Standardizes Many Employer-Sponsored Benefits Plans The Employee Retirement Income Security Act (ERISA) is a federal law that sets standards for employer-sponsored benefit plans, including pension plans and disability plans. It was enacted to ensure that plan participants have certain rights and protections. ERISA requires employers to disclose certain information about their plans, such as financial statements and summary plan descriptions. ERISA helps to ensure that employees' benefits are protected and that they have access to accurate information about their plans. At the same time, the law is extremely complicated. The claims process can be difficult to navigate for individuals. We Handle the Full Spectrum of ERISA Claims in Oak Park, Illinois We are a full-service ERISA law firm that is nationally recognized for our success in the field. With a commitment to personalized legal guidance and support, our legal team takes on a wide range of ERISA matters. Along with other types of ERISA cases, our Oak Park attorneys have the experience to assist clients with the following: ERISA short-term disability claims and appeals;...


> If you are struggling in your application for long-term disability insurance, a Chicago long-term disability lawyer can guide you through each step and help determine the best path for your case.

- Published: 2022-12-13
- Modified: 2026-02-13
- URL: https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-benefits-lawyer-chicago/

People who have a disability may be out of work for long periods of time. When more time off is required than short term disability can provide, consider applying for long term disability benefits. Long term disability insurance may be used to provide you with an income when injured or harmed and you cannot complete the required movements for your position at work. Unfortunately, applying for long term disability (LTD) insurance is not simple or straightforward. Oftentimes, your claim may be denied unfairly. If you are struggling to file for disability, consider working with a long term disability benefits lawyer in Chicago. Long Term Disability Benefits Options When filing for long term disability benefits, it’s important to know the options for doing so. The two common routes for filing for disability benefits include employer-based plans governed by ERISA and private long term disability companies. First, ERISA, otherwise known as the Employee Retirement Income Security Act, is federal law. It is essentially a set of regulations over employer-sponsored insurance programs. These standards are meant to ensure that plan funds are provided to qualifying recipients. Private long term disability benefits, on the other hand, are applied for externally. There are various private insurance providers that disability can be filed. These insurers include but are not limited to those such as Cigna, MetLife, Unum, Prudential, and Hartford. Regardless of what type of disability insurance you file for, the process of filing can be confusing. Working with a long term disability benefits lawyer in...


> There can be many obstacles when seeking disability benefits if you cannot work. Many claims are denied, and many claimants should seek assistance from a long-term disability attorney in 60614 zipcode.

- Published: 2022-09-28
- Modified: 2022-09-28
- URL: https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-attorney-60614/

Those who take out long-term disability insurance know that it’s one of the best safeguards against losing income if they cannot work because of a medical condition or disability. Most people take out a long-term disability plan with their employer or privately with an insurance company. Unfortunately, when it comes time to file a claim with a long-term disability insurance provider, it can be an incredibly overwhelming and stressful time because of how complex the claim process is. That’s why speaking with a long-term disability attorney at a firm like Bartolic Law is usually a beneficial idea. Our lawyers are equipped with the knowledge you need to file a long-term disability claim. What Are Some Of The Conditions And Illnesses That Qualify For Long-Term Disability? It’s important to know that what medical conditions, illnesses, and disabilities qualify for long-term disability benefits will vary based on an individual’s plan. Some plans will offer cover for diseases while others may not, and some might cover psychological disabilities while others won’t. Speaking with a lawyer and getting their assistance while going through your plan will be beneficial as you can learn what is and isn’t covered. Below we have briefly listed a few of the medical conditions that could qualify for long-term disability benefits: Degenerative disc disease Fibromyalgia HIV/AIDS Bipolar disorder Cancer Crohn’s disease Lupus Multiple sclerosis (MS) Chronic fatigue syndrome A Long-Term Disability Attorney Will Analyze Your Policy Unfortunately, although long-term disability policies help supplement your income if you’re unable to work,...


> Are you someone who is having issues with ERISA? Our attorneys are here to help. Contact our Orland Park ERISA lawyer today!

- Published: 2022-08-29
- Modified: 2022-08-29
- URL: https://www.chicagodisabilitylawyers.com/citystate/erisa-lawyer-orland-park/

Hundreds, if not thousands, of disability claims are denied every year. This can be disheartening not only because of the financial implications but also because of how much effort goes into navigating the complex ERISA and insurance laws. Fortunately, if you’re amid a disability claim or are in the initial stages, you can obtain assistance from a reputable Orland Park law firm like Bartolic Law. Our law firm’s qualified attorneys have decades of experience navigating ERISA and insurance law pertaining to client disability claims. We do our best with every case to ensure every client has an equal opportunity to even the odds they face. Let’s look at what you need to know about ERISA and how it can impact your disability claim. What Exactly Is ERISA? In essence, ERISA is a federal law. This law governs how employers handle and pay out pension, disability, and other benefits. ERISA details your rights when you file a disability claim and explains the time frame you must adhere to and what evidence you need. Additionally, it’s important to note that ERISA only covers the benefits you’re entitled to and covers no extra compensation. Who Does ERISA Protect? ERISA should cover those who work for any private employer or company. ERISA applies to various private sector companies that offer employees retirement plans, pension plans, and welfare benefits. Additionally, if you work with a sole proprietor, c-corporation, LLC, nonprofit organization, S-corporation, or small business with only one or two employees, ERISA law is also...


> Never sign a severance agreement without first speaking to a lawyer, and also seek legal help if your employer violates a severance agreement. Speak with a benefits attorney in Oak Park today.

- Published: 2022-07-18
- Modified: 2022-07-18
- URL: https://www.chicagodisabilitylawyers.com/citystate/severance-benefits-attorney-oak-park/

Employers generally are not required by law to offer severance pay, but many are motivated to do so – in an effort to protect themselves from legal liability and lawsuits. If you have been let go, fired, or laid off, your severance benefits can play a critical financial role in your future, which makes working closely with an experienced severance benefits attorney in Oak Park in your best interest. Illinois Law In Illinois, your employer is not required to offer you severance benefits upon laying you off, firing you, or otherwise letting you go, except under the following circumstances: Your employer is contractually obligated to do so due to either an employment policy or practice that is in place. Your employer caused you to believe that you’d receive severance benefits through either a written contract, an oral assertion, notice in an employee handbook, or a history of paying severance. Your Employer’s Motivation Employers generally offer severance packages in exchange for recipients relinquishing certain rights. As an employee, you’re likely to receive a monetary amount that typically equals about 1 to 4 weeks’ pay per year of employment, and that may include other benefits. In exchange, you will likely be under contractual obligation to give up rights such as the following: The right to sue your employer for either known or unknown claims The right to discuss the terms included in your severance benefits The right to divulge any trade secrets of the company The right to discuss the company in...


> Many employer-sponsored insurance claims are wrongfully denied, and appealing a denial is a complicated matter due to the law. Seek help from an ERISA appeals lawyer in Glenview.

- Published: 2022-07-18
- Modified: 2022-07-18
- URL: https://www.chicagodisabilitylawyers.com/citystate/erisa-appeals-lawyer-glenview/

The Employee Retirement Income Security Act (ERISA) provides federal protections in the form of minimum standards for those retirement and health plans that are established voluntarily in private industry. If you have an ERISA disability claim, it is naturally important to your financial future, and if your claim has been denied, having the professional guidance of an experienced ERISA appeals lawyer in Glenview on your side is paramount. The Disability Insurance Company You suffered an injury on the job, and if your claim has been denied, it can leave you at a total loss regarding how best to proceed. The fact is that the disability insurance company is an immense financial enterprise with legal teams, outside counsel, and medical experts to back them up. In other words, taking them on by yourself – after you’ve already been shot down – amounts to an uphill battle. With a dedicated ERISA appeals lawyer by your side, however, you’ll be far better prepared to fight back. The Administrative Appeal Under the ERISA legal procedure, the administrative appeal is a required step that involves you appealing directly to the insurance company involved. In turn, the insurance company must spell out the reasoning behind the denial. It’s important to understand that the requirements imposed upon you are not only considerable but also strict, and the success of your appeal will hang in the balance. Consider the following: You generally only have 180 days from the time of your denial to file a valid administrative appeal....


> A disability denial can be devastating, but it is not the final say in whether or not you can receive the benefits you need. Always contact a Chicago long-term disability appeals lawyer for help.

- Published: 2022-06-14
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/chicago-long-term-disability-appeals-lawyer/

Long-term disability claims differ from most other types of insurance claims. Most attorneys don't handle long-term disability claims. Many long-term disability insurance policies are overseen by a federal law called ERISA. ERISA oversees most group long-term disability policies obtained through your employer. Even federal judges say that ERISA is a rigged law in favor of insurance companies. ERISA is so complicated and contains so many difficult rules and deadlines that you should always file a long-term disability appeal with the help of a lawyer who is experienced and trained in the law of ERISA. Our long-term disability lawyers help claimants get the long-term disability (LTD) benefits they need after a sickness or injury. We are experienced in managing claims that arise from both group (ERISA) and individual long-term disability policies. If you are thinking about applying for long-term disability or if you recently had your benefits denied or terminated, we can assist. How Our Long-Term Disability Lawyers Can Assist If you have a long-term disability claim, here's how we can assist you: If you've been denied long-term disability benefits or had your benefits terminated, we will examine your denial letter. You can email/mail/fax your denial letter to us. We will provide a strategy on how to get your benefits reinstated. You should act quickly. There are strict deadlines that apply. If you hire us, we will draft and send the appeal to have your benefits reinstated. If you've already filed your administrative appeal, we might be able to file a...


> There are many reasons why you might need to file an ERISA claim regarding your retirement benefits. If you have concerns, speak with an Evanston retirement plan claims lawyer today.

- Published: 2022-03-21
- Modified: 2022-03-21
- URL: https://www.chicagodisabilitylawyers.com/citystate/evanston-retirement-plan-claims-attorney/

When you contribute money from your paycheck to an employer-sponsored retirement fund, you expect the fund will be managed properly so you can receive the full benefits you deserve once you reach retirement age. Similarly, if you sign an employment agreement that provides for certain retirement benefits, you expect to receive what your employer agreed to. Unfortunately, too many employees in the Evanston area learn that their rights regarding retirement plans are being violated. If you have concerns, reach out to an Evanston retirement plan claims attorney at Bartolic Law as soon as possible. Retirement Plan Claims We Handle Our law firm takes on disputes regarding different types of retirement plans, including Supplemental Executive Retirement Plans, Single-Employer Defined Benefit Plans, and Multi-Employer Defined Benefit Plans. We also handle disputes regarding pensions, and we can appeal a denial of your pension benefits. These cases generally fall under ERISA litigation, which can be highly complex. Terminations before the vesting of Supplemental Executive Retirement Plans (SERPs) Misapplication enhanced retirement qualifiers Undercalculating credited earnings during foreign assignments Misclassification of employment to try to deny full service credits Misapplication of disqualifying employment clauses for people who want to work while retired Denials of full employee years of service Denying vesting service during third party management Retroactive changes in how retirement terms apply Change in the triggers that control benefits Chicago employers often have retirement plans, including single or multi-employer pension plans, as well as offering SERPs to key players in the organization. At Bartolic Law,...


> Did you receive a denial of employer-sponsored insurance or retirement benefits? If so, you might need to file an ERISA appeal, and you should first contact a Skokie ERISA appeals attorney.

- Published: 2022-03-21
- Modified: 2022-03-21
- URL: https://www.chicagodisabilitylawyers.com/citystate/skokie-erisa-appeals-attorney/

The Employee Retirement Income Security Act (ERISA) went into effect to allegedly protect employees from unfair treatment regarding employer-provided retirement or insurance benefits. However, in reality, ERISA often makes it more challenging for employees to appeal claim denials, as there are many rules and restrictions in place. ERISA appeals are complicated, no matter what type of benefits claim you filed. Claims can include employer-sponsored: Long-term disability insurance Health insurance Accidental death or dismemberment (AD&D) insurance Life insurance Long-term car insurance You want to seek help from a Skokie ERISA appeals attorney the moment you learn of a claim denial. This is how you can ensure your best chances at having your denial overturned. Rules for ERISA Benefit Appeals ERISA limits your options when appealing the decision of an insurance company to deny your claim for benefits. First, you cannot head right into court to seek the benefits you deserve. Instead, you must exhaust all of your administrative appeal options first. This generally involves appealing the decision directly to the insurance company - the same one that denied your initial claim. For your administrative appeal, you cannot simply tell the insurance company that you disagree with the denial and expect them to overturn the decision. Instead, you need to provide additional evidence to support your claim. A lawyer can review the reasons for your claim denial and determine what additional information could result in a claim approval. You also need to create a complete record during the administrative appeal process. This...


> Many people expect to receive insurance benefits but instead receive a complete denial of their claims. If this happens to you, learn more about how an ERISA appeals attorney in Glenview can help.

- Published: 2022-02-12
- Modified: 2022-02-12
- URL: https://www.chicagodisabilitylawyers.com/citystate/erisa-appeals-attorney-glenview/

Bartolic Law is a Chicago-based disability attorney at the top of the industry for ERISA litigation. Bartolic Law is a nationally recognized law firm and has gained notoriety for being the best in the business of ERISA litigation. Bartolic Law thoroughly evaluates disability cases and ERISA appeals. We are passionate about helping our clients through the appeal process after getting a disability denial. In addition, we believe that people should be informed about the appeals process. Below you will find details about the ERISA appeal process to help you understand how Bartolic Law will advocate for you. Beginning Your ERISA Appeal ERISA stands for Employee Retirement Income Security Act. ERISA is a federal law that was enacted to help protect people who have life insurance policies, health insurance policies, and disability insurance policies. ERISA protects people with these types of insurance plans by requiring that insurance companies have an appeal process if their claim is denied. If you have applied for disability and have been denied, you have the right to appeal the insurance company’s decision. The appeal process starts once you receive a denial letter. The denial letter will have the deadline to file an appeal within it. Keep a copy of your denial letter. Typically, you will have 45 days to file an appeal for the denial of a disability claim. When you receive your denial letter contact, call Bartolic Law to schedule a consultation. Making Your Case If the insurance company denies your claim, it must state...


> Getting the benefits you deserve from your disability insurer can be a difficult process. To protect your interests, you always want to discuss your claim with a long-term disability lawyer near Chicago.

- Published: 2022-01-24
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-lawyer-near-chicago/

In Illinois, long-term disability (LTD) insurance is often an employment benefit offered by employers to employees. Under the policy, usually offered as part of an overall benefits package, employees who become disabled and meet the policy conditions will be entitled to receive benefits equal to a set percentage of their base salary. How Does Long-Term Disability Work in Illinois When an employee covered by a long-term disability insurance policy becomes disabled, he or she claims against the employer’s LTD plan. The plan will usually require some exclusion period and will then replace a designated percentage of the employee’s regulator paycheck. Note that the company issuing the policy determines whether the employee is disabled. As with all insurance companies faced with paying a claim, they are often reluctant to approve a claim or will try to pay less than the full amount owed. Do Any Conditions Automatically Qualify? What each provider of LTD coverage will consider an immediate qualification for benefits may vary. Private LTD insurance generally considers the same types of conditions for a quick decision, including ALS (Lou Gehrig’s Disease), Parkinson’s MS, cancer, and schizophrenia. However, there are some conditions that certain entities treat as subject to quick determination. Among these are certain heart problems, mental disorders, immune system disorders such as HIV and Lupus, certain cancers, Crohn’s disease, and advanced kidney disease. This list is far from a complete one when it comes to what disabling conditions might qualify you for benefits from your insurer. Often, insurers will...


> Signing a severance agreement can have many effects on your future, so you should never sign anything without first consulting with a skilled Chicago severance benefits attorney.

- Published: 2022-01-24
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/chicago-severance-benefits-attorney/

Although severance pay is not legally mandated in Illinois, many employers will give you severance. If, however, there was a provision for severance in your contract or in a company-issued employee handbook, the company must follow those provisions. A Chicago severance benefits attorney can help you determine what you might be entitled to receive. How Does Severance Pay Work in Illinois? No law requires Illinois employers to pay severance pay. If you have one, there may be a provision for severance pay in your employment contract. Similarly, your company-issued employee handbook may include a section outlining the company’s severance pay practices. In 2012, an Illinois appellate court held that handbook provisions could be enforceable contract terms. Since then, employers tend to be careful to disclaim the contractual nature of their handbooks. Nonetheless, the court stated that certain handbook terms created an enforceable agreement between the employer and employee, an easier standard to prove than a contract. What Is the Average Severance Pay in Illinois? Although Illinois does not mandate severance pay, many employers do provide it. Generally, the policy will require the payment of a specified number of weeks for each year of employment (e. g. , one week for each year). One to two weeks is average, while four weeks per year is occasionally available. Thus, for example, if a terminated employee made $1,000 a week and was with the company for ten years, the total severance would be $10,000. Note that your severance pay is taxable income, whether...


> Too many people deal with a devastating diagnosis and then also face denied disability claims for cancer in Chicago. When you cannot work due to cancer, seek help from a disability claims attorney.

- Published: 2021-12-14
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/denied-disability-claims-for-cancer-in-chicago/

While not as deadly as it used to be, receiving a cancer diagnosis can feel as if a rug has been pulled out from under you. Suddenly, your life is filled with many uncertainties and unknowns. For example, you might not know how to keep your family financially afloat while receiving treatments and managing your diagnosis. If you have ERISA disability insurance, you probably feel relieved knowing you can count on it. Or can you? Sadly, many disability claimants are wrongfully denied access to the benefits they have paid for. They are frequently advised that they are “not disabled enough. ” If you are experiencing denied disability claims for cancer in Chicago, you need representation from a seasoned attorney. You’ll find that attorney at Bartolic Law. Your lawyer can help you fight back against a claim denial by documenting how your cancer symptoms and the side effects of your treatment keep you from working. Appealing Denied Disability Claims for Cancer in Chicago If you are denied disability claims for cancer in Chicago, you have the right to an appeal. However, your appeal must meet your insurance company’s strict requirements, and it should also be thorough. It should include: When you hire a disability lawyer to help you with your appeal, they can work with your cancer specialists to collect evidence in support of your disability claim. Your evidence should include: The type of cancer you were diagnosed with– Not all cancers are the same, some are more aggressive than others,...


> There are many things that can go wrong during the disability insurance claims process. You want to get benefits as soon as possible, so never hesitate to call a Chicago disability insurance attorney.

- Published: 2021-12-14
- Modified: 2025-09-30
- URL: https://www.chicagodisabilitylawyers.com/citystate/chicago-disability-insurance-attorney/

You’ve known that you have long-term disability coverage through your employer for quite some time. However, you never anticipated needing it until now. Whether you were in an accident, diagnosed with a long-term or terminal illness, or something else, you have the right to the long-term disability benefits you have paid for all these years through your employer. Unfortunately, insurance carriers deny far too many legitimate claims, making their profits the priority. If you are filing a disability insurance claim, seek the help of a skilled Chicago disability insurance attorney. They have the knowledge and resources to help you file your claim and appeal it if necessary. Common Reasons for Disability Claims Disability policyholders file claims for many different health reasons, but they all cause the claimant to be unable to perform their job as they normally would. The most common reasons for filing a disability claim include: Accidents Muscle or bone disorders Cancer Cardiovascular problems Mental illness What is ERISA? Employer-provided group long-term disability policies are generally governed by the Employee Retirement Income Security Act of 1974 (ERISA). This federal law was designed to protect the assets of millions of Americans, ensuring that when they retire, the money placed in retirement plans while they were working will still be there. In addition, ERISA governs the long-term disability rules and other insurance coverages that most Americans have through their employer. The bad news is that the courts have typically interpreted ERISA in ways that allow rules that benefit insurance companies...


> ERISA-based disability insurance claims can be more complicated than you might expect. There are many reasons for denial, so seek help from disability insurance lawyers in Chicago.

- Published: 2021-11-29
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/disability-insurance-lawyers-chicago/

Being physically and mentally able to work and earn a living is something that's easily taken for granted. You naturally get caught up in the day-to-day of going to work, doing your job, and coming home, all to return again the following day. However, suppose you become injured and are unable to continue working due to a physical or mental impairment. In that case, you can easily be thrown into a panic. How will your everyday expenses get paid? If you have a disability insurance policy, now is the time to rely on it. To get started with a claim, it's best to contact reputable disability insurance lawyers in Chicago. When Should You Hire a Disability Insurance Attorneys Near Chicago? Whether you are considering submitting a disability claim or if your claim has already been denied, it's never too soon in the process to enlist an experienced disability insurance attorney near Chicago. Most group disability benefit plans fall under the federal ERISA statute, which combines areas of contract, trust, and administrative law into a complex regulatory framework. The ERISA statute is notorious for some of the firmest deadlines in employment law. If you don't adhere to those deadlines, it could result in the dismissal of future appeals or lawsuits. Keeping this in mind, as soon as you decide to submit a disability claim or as soon as your claim is denied, it's wise to contact qualified disability insurance attorneys in Chicago to discuss your specific claim and options. Common Reasons...


> If you received a congestive heart failure diagnosis and cannot work, you want the right disability lawyer to handle your long term disability claim for congestive heart failure in Chicago.

- Published: 2021-10-02
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-claims-for-congestive-heart-failure-in-chicago/

According to the U. S. Centers for Disease Control (CDC), it’s estimated that nearly six million individuals in the United States have congestive heart failure (CHF). In fact, CHF is one of the most common reasons people 65 and over are hospitalized in this country. CHF is often progressive and can become a painful and debilitating disease. It can prevent some from being able to perform their jobs or any job at all. If these people have paid for disability benefits through their employer, they should be able to rely on them if they need to stop working due to their health. Unfortunately, it’s common for disability insurance companies to make it difficult for policyholders with long-term disability claims for congestive heart failure in Chicago to get the disability benefits they deserve. If you find this to be true or have questions about a claim, reach out to one of our seasoned Chicago Long term disability claim lawyers today. What Is Congestive Heart Failure? Congestive heart failure is a severe condition in which the heart isn’t as efficient as it should be. Blood is pumped through the heart, lungs, and body at a slower rate. Because of this, the heart can’t pump enough nutrients and oxygen to meet the body’s demands. The body may try to compensate for this problem by stretching the heart to hold more blood or become thicker—causing the condition to worsen. When this happens, other organs and body systems can become affected. CHF can result from:...


> FIling a long-term disability claim for COPD in Chicago can be a challenging matter. While you focus on your health and treatment, let a disability attorney handle the claim process for you.

- Published: 2021-10-02
- Modified: 2026-02-13
- URL: https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-claims-for-copd-in-chicago/

Disability insurance companies don’t typically make it simple for policyholders who have chronic obstructive pulmonary disease (COPD) to get the disability benefits they are entitled to receive. They are well-known for fighting and denying claims. According to the U. S. Centers for Disease Control (CDC), COPD affects 16 million Americans. Millions of others remain undiagnosed. COPD is a progressive, often debilitating condition that affects breathing and oxygen exchange. It’s one of the top causes of death in this country. Suppose you or a loved one has been diagnosed with COPD. In that case, a Chicago long-term disability claim lawyer may be able to get you the compensation you need. What is COPD? COPD is short for chronic obstructive pulmonary disorder. It encompasses several different types of lung or airway disorders or conditions, including emphysema and chronic bronchitis. Emphysema occurs due to the destruction of alveoli in the lungs. Cigarette smoke, particulate matter, and irritating gasses can destroy the alveoli. Chronic bronchitis occurs when the lining of the bronchial tubes is constantly inflamed. These tubes carry air to and from the air sacs or alveoli in the lungs. COPD obstructs airflow from the lungs with chronic inflammation. Symptoms of COPD often include: Breathing difficulties Shortness of breath, especially with physical exertion Trouble taking a deep breath Cough Mucus (sputum) production Wheezing Chest tightness Lack of energy Swelling of the legs, ankles, and feet Frequent respiratory illnesses Blueness of your lips or fingernails COPD and Long-Term Disability The symptoms of COPD can...


> Pharmacists spend a lot of resources building their careers. If a medical issue prevent you from working, you should discuss long-term disability benefits for pharmacists in Chicago.

- Published: 2021-09-27
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-benefits-for-pharmacists-in-chicago/

One of the most significant and reliable financial assets you have as a pharmacist is simply the ability to generate an income. It likely took you six or eight years to be licensed, possibly even more if you went through a residency or fellowship. You got here through the energy, focus, sacrifices you made. With projected lifetime earnings in the millions, what if you suddenly lost your earning ability with little to no warning? Never mind your emotional disappointment and involuntarily dampened passion; what about your ability to support your family? These are the situations that long-term ERISA insurance was created for. If you were recently injured or diagnosed with a permanent condition, you should be able to rely on this insurance. However, more often than not, those who genuinely need it find they can’t depend on it. If you need long-term disability benefits for pharmacists in Chicago, don’t delay meeting with an experienced Chicago long-term disability lawyer. Do Pharmacists Need Disability Coverage? Pharmacists are often on their feet for many hours a day, consulting with patients, preparing medications, and attending to other needs. In addition, they must have sharp cognitive abilities. In some circumstances, if they give the wrong advice, it could cost someone their life. Suppose a pharmacist sustains an injury or comes down with an illness that prevents them from physically or cognitively performing their job effectively. In that case, it’s necessary to take time off. Sometimes, whatever they are going through is chronic or permanent, leaving...


> Many medical conditions can prevent attorneys from performing their jobs, and they need financial support. Speak with a disability lawyer about long-term disability benefits for lawyers in Chicago.

- Published: 2021-09-27
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-benefits-for-lawyers-in-chicago/

You spent years going to school to be an attorney. Whether you’ve practiced only a few years or a few decades, suffering a disability that could take away your opportunity to practice your passion and your livelihood is no less than devastating. Maybe you were recently diagnosed with a chronic illness or condition, or perhaps you suffered a debilitating injury. Either way, if you have ERISA disability insurance, you have the right to file a claim and draw benefits. If you need to rely on long-term disability benefits for lawyers in Chicago, contact the professionals at Bartolic Law. We can help you with your claim from beginning to end. Disabilities Can End Your Legal Profession Lawyers work long hours in many different settings. They see people at the worse points in their lives, and sometimes the best. This job is emotionally draining, physically tiring, and cognitively exhausting. Receiving a significant and long-term diagnosis can keep you from being able to perform some or all of your job duties. If you can’t think clearly or get to the places you need to go, you won’t be effective at your job, which is why disability insurance exists. Except, as you likely know, getting a claim approved can be an uphill battle. How a Long-Term Disability Denial Attorney Can Help As an attorney, you are broadly familiar with many areas of law. However, unless you’ve practice disability law, you may not be quite fully aware of how a Chicago long-term disability lawyer can...


> Being denied long-term disability for tech workers in Chicago can be devastating and stressful, as you have important benefits on the line. Speak with a disability attorney who can help.

- Published: 2021-09-27
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/denied-long-term-disability-for-tech-workers-in-chicago/

No matter your profession or job role, you could be diagnosed with a disability that keeps you from performing your duties. Suppose this has recently happened to you or a family member. In that case, you know how concerning such a diagnosis is—not only for your physical health and well-being but also for your financial health and well-being. In these cases, you deserve compensation from your long-term disability insurance. After all, you’ve been paying premiums for it—it should be there if and when you need to rely on it to support you and your family. Unfortunately, it’s easier said than done to receive these benefits. If you were denied long-term disability for tech workers in Chicago, seek the help of a skilled long-term disability denial attorney as soon as possible. The Job Demands of Tech Workers Whether you are an IT support specialist, a system engineer, or an architect, your job is physically and mentally demanding. One day you could be on the floor while bending and twisting to troubleshoot equipment; the next, you might be straining your back and eyes while trying to determine how to solve an urgent and stressful IT problem for half of your company’s workforce. Whatever your job in the tech world entails, suffering a long-term disability can leave you unable to perform your job in any capacity or other jobs for that matter. What You Should Know About ERISA Long-Term Disability Denials Most group disability insurance claims involve a complex set of federal laws....


> Insurance companies can be challenging when it comes to receiving disability benefits. Speak with a disability attorney about a denied long-term disability for teachers in Chicago right away.

- Published: 2021-09-27
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/denied-long-term-disability-for-teachers-in-chicago/

Schools play in the lives of not just children and parents but also employers and business owners. The health and well-being of Chicago area schools’ teachers, administrators, and staff have never been more important. As a disability law firm, we are committed to serving school communities, dedicating much of our time and resources to support teachers and staff struggling with their health, and considering whether to stop working. If you or a loved one was denied long-term disability for teachers in Chicago, you don’t have to simply accept this outcome and move on. You have legal rights and options that should be discussed with competent legal counsel. Reach out to our office to speak to an experienced long-term disability denial lawyer as soon as possible. Can Teachers Work with a Disability? Teachers have physical, cognitive, and emotionally demanding jobs. They are often on their feet while instructing students, setting up and maintaining their classrooms, moving supplies, or even physically caring for some students. Depending on the grade that they teach, students often need emotional support, and the circumstances Chicago area teachers are exposed to can be especially traumatic. Of course, teachers must be experts in their subject area and able to recall many processes and facts and explain them in a way that others understand. Suppose a teacher develops an illness or condition or is diagnosed with a disease. In that case, they may not be able to perform some or all of their regular job duties. In these situations,...


> If you cannot work due to a diagnosis of rheumatoid arthritis, you should consult with a disability attorney about filing a successful rheumatoid arthritis long-term disability claims in Chicago.

- Published: 2021-09-27
- Modified: 2026-02-13
- URL: https://www.chicagodisabilitylawyers.com/citystate/rheumatoid-arthritis-long-term-disability-claims-in-chicago/

Rheumatoid arthritis (RA) is an autoimmune disease in which the body sees its own systems or tissues as a dangerous invader. This chronic condition causes the immune system to attack healthy joint cells. As a result, those with RA experience inflammation, swelling, limited mobility, and pain. Around 1. 5 million people throughout the United States live with RA. The average age of onset is between 30 and 60 years old—coincidentally, when many are finally settled and successful in their careers. Rheumatoid Arthritis long-term disability claims in Chicago are common and often necessary. Yet, far fewer are successful. If you want to file a claim, it’s best to contact a seasoned Chicago Long term disability claim attorney as soon as possible. The Symptoms of Rheumatoid Arthritis The symptoms of rheumatoid arthritis vary by individual, with equally varying levels of severity. Flare-ups can occur in which symptoms are more severe and are then followed by periods of little or no symptoms. These make RA quite unpredictable and even more challenging to live and work with. As this joint disease progresses, symptoms can become increasingly serious. The most common symptoms of RA are joint pain and swelling, stiffness (especially after resting for a long time), and fatigue. Some RA patients also experience loss of appetite and fever. Common symptoms affecting joints: Often RA joint symptoms occur on both sides; for example, if one hand is affected, the other hand will be as well. RA symptoms are typically most prevalent in the: Hands Wrists...


> Multiple sclerosis long-term disability claims in Chicago can be an uphill battle, and this is while you are already dealing with a devastating diagnosis. Contact a disability attorney for help.

- Published: 2021-09-27
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/multiple-sclerosis-long-term-disability-claims-in-chicago/

Multiple sclerosis (MS) is a disease that impacts the central nervous system. It is known for its unpredictability and interferes with communications between the brain and the body. Almost one million individuals are living with MS in the United States. This number is over twice the original estimate making solutions and advocacy for those with MS that much more critical. If you or someone you love needs an advocate for multiple sclerosis long-term disability claims in Chicago, don’t hesitate to contact an experienced Chicago Long term disability claim attorney at Bartolic Law today. You may be entitled to receive such benefits after a diagnosis of MS. What Is Multiple Sclerosis? Multiple sclerosis is a condition in which the body’s immune system attacks the central nervous system (CNS), including the brain, spinal cord, and optic nerves. An MS diagnosis typically falls into one of four categories associated with the type and severity of the disease. No two people have the same symptoms or same disease course when it comes to MS. However, common MS symptoms include: Dysesthesia—a squeezing sensation in the torso similar to a hug or pressure from a blood pressure cuff Difficulty walking Fatigue and weakness Numbness or tingling in the face, body, or extremities—usually one of the first noticeable symptoms Spasticity Vision problems Vertigo and dizziness Depression and emotional problems Bowel and bladder issues Pain and itching Seizures Sexual difficulties Cognitive problems Breathing problems Loss of hearing and taste Difficulty with speech and swallowing MS can impact individuals...


> Some nurses have disability claims denied even though they have valid medical conditions that prevent them from working. Seek help from Chicago long-term disability claims lawyers.

- Published: 2021-08-25
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/denied-long-term-disability-for-nurses-in-chicago/

Nursing is one of the most trusted professions in the United States. Yet, they often go unnoticed and underappreciated. Having a disability claim denied only serves to add to this. Nurses who are facing a long-term disability related to an illness or injury deserve to receive long-term disability benefits. However, far too often, they are denied long-term disability benefits for nurses in Chicago and left with no recourse. They need to know that they can turn to a well-versed Chicago long-term disability lawyer from Bartolic Law for help with their claim. Our attorneys can help with filing an initial claim or with appealing a denied claim. The Demands of a Nursing Job Whether working in long-term care settings, hospitals, physicians’ offices, or delivering patient care through home health services, nurses have mentally and physically demanding jobs. Unless someone has worked in this role, they may not understand exactly how demanding it is. Some critical tasks in many nursing jobs include: Standing or being on your feet for long periods of time Calculating medication doses Administering medication Providing emotional support and anticipatory guidance Lifting of patients and carrying of medical equipment, charts, and medical supplies Performing patient assessments and thinking quickly on their feet Work irregular shifts and be on call Needing to attend to multiple patients at the same time Providing patient education Having interactions with difficult or abusive patients and family members Assisting with procedures Typing and being in front of a computer for long periods of time There...


> Many medical conditions can derail your career as a physician. After your hard work, you deserve proper disability benefits, and a Chicago long-term disability claims lawyer can help.

- Published: 2021-08-25
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-benefits-for-physicians-in-chicago/

Medical field occupations are both mentally and physically demanding. Especially among physicians, disabilities are common. With the years of dedication, hard work, and sleepless nights that are invested into building a career as a physician, being unable to go to work is almost unfathomable. Not only do you need to support your family, but you might also have student loans and other financial responsibilities. Learning more about long-term disability benefits for physicians in Chicago is essential in this situation. The best way to learn more and make sure the information you receive is accurate and up to date is to meet with an experienced Chicago long-term disability lawyer. Physicians’ Job Duties and Disability Any type of disability has the potential to render a physician unable to do their job. While job duties vary by facility and medical specialty, most physicians rely on their bodies and their knowledge to do their jobs effectively. For example, depending on their specialty, most physicians must be able to: Physically examine patients, which requires them to bend, have fine manipulation of fingers, and a sense of touch. Determine if a patient needs to see a specialist and make the appropriate referrals Decide what kind of treatment patients may need for their condition Administer medications Suture or staple wounds Set broken bones Administer CPR Work irregular hours and be on call Work in fast-paced environments and be able to think and act quickly Analyze diagnostic findings Pay attention to detail Have problem-solving skills Perform surgeries or...


> Many types of mental or physical conditions can have disabling effects that interfere with an engineering career. Learn how a Chicago long-term disability claims lawyer can help you.

- Published: 2021-08-25
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-benefits-for-engineers-in-chicago/

If you work in any engineering field, having long-term disability insurance is critically important. If you become injured or develop a condition that keeps you from being able to work permanently or for an extended period of time, you should be able to rely on your insurance policy to replace some of your wages. Unfortunately, many engineers have their claims unfairly denied by greedy insurance companies. Suppose you were recently denied long-term disability or need to file a new claim. In that case, it’s best to seek the advice of an experienced Chicago long-term disability claims attorney. Can a Disability Impact My Career as an Engineer? Unfortunately, even a minor condition or disability can keep you from performing your daily duties as an engineer. For instance, if you are a mechanical engineer and develop hearing issues that make you extremely sensitive to noise, you may be unable to oversee or operate loud machinery used to create and test vehicles. Suppose you’ve had a pacemaker implanted due to a heart condition. In that case, you may not be able to work at some job sites due to the presence of magnets or strong electrical fields. If you’re a chemical engineer required to work with toxic chemicals, you can become plagued with frequent or chronic migraines that keep you from being able to concentrate or notice small details at work. You may also suffer other debilitating symptoms such as nausea that make you an ineffective employee and jeopardize safety in the workplace....


> Many disabilities can derail a career as an accountant, and it is critical to receive the disability benefits that you deserve. Speak with a Chicago long-term disability claims lawyer today.

- Published: 2021-08-25
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/denied-long-term-disability-for-accountants-in-chicago/

Accountants inherently have taxing jobs. Whether working for the private or public sector, much is demanded of them both physically and mentally. When they encounter a disability that precludes them from going to work and earning a wage, their lives are often turned upside down. Since most accountants are employed because they need to make a living, not being able to go to work can be financially, mentally, and emotionally devastating. If they have long-term disability insurance through their employer, they should be able to rely on it. However, many Chicago accountants find out that they can’t once they file a claim. Disability insurance companies find ways to deny claims so that they don’t have to pay for them. Having your claim denied or fighting with the insurance company to get it approved isn’t something you should have to do while you are experiencing a disability. Instead, hire a seasoned Chicago long-term disability claims attorney who can manage your claim on your behalf and fight for the compensation you deserve. When Accountants Face Disabilities Much is demanded from people working in accounting positions. Physically, they must be able to stare at a computer screen for hours, have fast and accurate typing skills, and sit in a chair for many hours a day. While this might seem like a lot, it can be for someone suffering from a disability such as carpal tunnel syndrome, chronic fatigue syndrome, or fibromyalgia. Even minor disabilities can keep them from being able to do their...


> For many people, fibromyalgia prevents them from working as they usually did. If you need to file a claim for disability insurance benefits, call a Chicago long-term disability claims attorney.

- Published: 2021-08-25
- Modified: 2023-10-04
- URL: https://www.chicagodisabilitylawyers.com/citystate/long-term-disability-benefits-for-fibromyalgia-in-chicago/

After receiving a diagnosis of fibromyalgia or another type of chronic pain disorder, you may feel like no one believes you. While the symptoms of this disorder can be elusive and misunderstood by others, this condition can still severely limit your ability to perform your job and live a normal life. Since you can’t go to work and do your job as you once did, you are likely entitled to compensation under the Employee Retirement Income Security Act (ERISA). However, getting your claim approved is a different story. Most claimants have more success with ERISA disability claims when they hire a Chicago long-term disability claims attorney to represent them. What is Fibromyalgia? Fibromyalgia is a physical condition shown to increase pain sensations. It changes how the brain processes pain signals from the rest of the body. Individuals who have it usually experience widespread musculoskeletal pain at tender points throughout their bodies. Fatigue, sleep issues, cognitive issues, memory problems, and difficulty regulating mood are also common symptoms. Fibromyalgia can be triggered by psychological stress, physical trauma, surgery, or infection. In some people, symptoms arise over a long time period without any related cause. This condition can be quite tricky to diagnose, and it can mimic symptoms of several other conditions. There is no cure for fibromyalgia. Although some medications and therapies can help alleviate the symptoms, most fibromyalgia patients find that it’s eventually impossible to go to work. Can Fibromyalgia Cause a Long-Term Disability? Sadly, the answer is yes. Individuals with...