Former partner and attorney Joshua Erik Abell exited the law firm in December of 2023, resulting in the closure of the firm’s Kentucky law office. The law firm’s remaining partner, Joe Capitan, continues to service the law firm’s clients from the firm’s Pennsylvania law office along with associate attorney Greg Scott and staff. Due to the change in partnership, the law firm’s business incorporated in Kentucky was domesticated to the state of Pennsylvania and merged with Capitan Law, PLLC. We will continue to provide legal representation in disability insurance claims. The post Abell & Capi ..read more

Whether your long-term disability (LTD) insurance benefits are taxable depends on several factors. When it’s tax time, you want to report the benefit payments on your tax return correctly but determining whether LTD benefits are taxable can be confusing. Here, the attorneys at Abell and Capitan Law discuss the possible scenarios in which your disability benefits may be taxable versus non-taxable. Who Pays the Insurance Premiums? The party that pays the long-term disability insurance premiums generally dictates whether the benefits are taxable or tax-free. For employers offering their employees ..read more

Anxiety disorders are among the most common mental health issues affecting millions worldwide. As the line between normal anxiety and a disabling condition can be unclear, it’s crucial to understand when anxiety becomes a disability. Understanding Anxiety Disorders Anxiety disorders encompass a wide range of mental health conditions characterized by excessive fear, worry, and stress. Some common types of anxiety disorders include: Generalized Anxiety Disorder (GAD) – chronic worry about everyday situations Panic Disorder – recurrent and unexpected panic attacks Social Anxiety Disorder – inten ..read more

When you become disabled and cannot work, you may have several options for getting the money you need. The Social Security Administration (SSA) provides benefits to disabled individuals who cannot work. You may also qualify for long-term disability benefits through private insurance companies or your employer. You may be wondering whether you can receive Social Security disability benefits and long-term disability benefits at the same time. Generally, the answer is yes. However, each case is different. For example, several factors determine whether you can receive both benefits. Such factors i ..read more

Injuries or diseases of the back can cause intense, debilitating, and long-lasting pain. If you cannot work due to severe back pain, you might consider pursuing financial support through long term disability (LTD) benefits. Back Pain Conditions that Could Qualify Back pain by itself does not qualify someone for long term disability benefits. There must be an underlying condition that impacts your back’s structure or function, causes pain, and leaves you unable to work according to your policy’s type and terms. You should start working with your doctor as soon as possible to identify the cause ..read more

If you have suffered a disabling condition that has kept you from working, you likely have concerns about how you will make ends meet going forward. Whether you have long term disability (LTD) insurance through your employer or bought an LTD policy on your own, you will have to file a claim to apply for long term disability benefits. The process can be complex, and getting your claim approved can be a challenge. Insurance companies deny the majority of claims for LTD benefits, particularly first-time claims. Most often, a claim is denied because of errors, missed filing deadlines, or because t ..read more

If you can no longer work due to an illness or injury, you need long-term disability benefits to support yourself and your family. When you file a claim for disability benefits from your long term disability insurance carrier, the insurance company will consider a variety of factors when making their decision about whether you’re eligible for benefits. One thing they will want to determine is whether your illness or injury is from a pre-existing condition. Moreover, many insurance companies will place certain clauses and exclusions in their policies to avoid paying out benefits for any injurie ..read more

If you’re suffering from chronic pain syndrome, you are not alone. A recent study estimates that roughly 50 million American adults deal with chronic pain. As a result, they may miss up to 3.5 times more days at work compared to the average American. In this post, we will cover some essential things you need to know about chronic pain syndrome. You may be entitled to financial benefits if you cannot work due to severe chronic pain from another long term medical condition. The long term disability attorneys of Abell and Capitan Law focus on cases involving long term disability (LTD) insurance ..read more

When it’s time to prepare your disability application, you will need to compile documentation that proves both your disability and your eligibility for benefits. There are multiple different types of evidence you should submit, covering both the medical nature of your disability and how it affects your professional life. This post will cover the best ways to document your disabling condition, so you have a better chance of securing the benefits you deserve. The evidence-gathering process is much easier if you have an experienced legal team on your side. At Abell and Capitan Law, our attorneys ..read more

If you become disabled and need to file for long term disability benefits, you might discover that you need additional help covering your medical expenses while you wait for a determination. You’ll need supplemental insurance for the expenses not covered by your primary insurance. Your next question might be whether you can apply for supplemental insurance after you’ve become disabled. The answer to that question is yes, but it depends on what you need and what your current insurance already covers. Job-Based Insurance and What it Covers Your job-based insurance coverage can be classified in o ..read more