Proven. Reliable. Victorious.
“Brent was knowledgeable, thoughtful and had a strategic approach. I will never be able to properly thank Brent enough for helping me reach a positive outcome. Brent was efficient with his time and strategy, unbelievably empathetic and re-assuring. Thank you to Brent....I am forever grateful.”
Welcome to Dorian Law’s blog page. This is where we write about useful tips, emerging trends, and provide thoughtful insights regarding LTD, Life, and AD&D Insurance benefits. Search for something you are interested in or check out a topic from the list below. Whatever brought you here, I hope we can make a difference.
- Abuse of Discretion
- Accidental Death Insurance (AD&D)
- Attorneys' Fees
- Bad Faith
- Breach of Fiduciary Duty
- Case Review Corner
- Cherry-Picking Medical Records
- Costs
- Denied Disability Benefits
- Disability Insurance
- Disability Insurance Company Tactics
- Disability While Working
- Duty to Cooperate
- ERISA
- ERISA Preemption
- ERISA accidental death claims
- ERISA disability claims
- Exhausting Administrative Remedies
- Fibromyalgia
- Hiring an Insurance Lawyer
- Individual Disability
- Interpleader
- LTD Appeal Checklist
- Legal Ethics
- Life Insurance
- Long Term Disability
- Long Term Disability Insurance
- Long-COVID
- Lupus
- ME/CFS
- MetLife
- Objective Medical Evidence
- Pre-existing Condition
- Provider Reimbursement
- Punitive Damages
- Reliance Standard
- Retroactive Disability Claims
- Sedentary Work
- Severance Agreement
- TBI
- Taxes
- Unum
- Waiver of ERISA Claims
- insurance appeal
- insurance denial
- insurance exclusions
- insurance law
- real case examples
Four Long-Term Disability Denial Tricks — And How to Beat Them
Insurers use the same four tricks to cut off long-term disability benefits—blowing ERISA’s appeal deadline, cherry-picking records, invoking a 24-month “self-reported” cap, and pretending your hobby proves employability. Wonsang v. Reliance (4th Cir. 2025) dismantles every tactic. Learn how to leverage that ruling, sink the insurer’s battleship, and turn “No” into “Not so fast.”