Don’t get outsmarted by your long-term disability insurance company—learn how ERISA works, what to do after a long-term disability denial, and how to protect your benefits.
If a traumatic brain injury has forced you out of work, the long-term disability insurance claim system can feel rigged—because under ERISA, insurers control the process and courts defer to their “reasonableness.” MIND GAMES explains the playbook (and how to beat it).
Why Download This Guide
- Understand ERISA—fast. Learn why long-term disability claims are different, why discovery is limited, and why insurers get the benefit of the doubt.
- Spot insurer tactics. IMEs, “independent” paper reviews, surveillance, and social media monitoring—know how they work and how to respond.
- Strengthen your file. Build a complete claim record now—because if you’re denied, appeals are on the paper trail you’ve already created.
- Appeal the right way. You generally have 180 days to appeal; treat it like your last, best chance to win before court.
What You’ll Learn Inside MIND GAMES
- How ERISA Stacks the Deck (and What to Do About It)
- The LTD Claim Process for TBI Survivors
- Insurance Company Tactics—Expect Resistance
- Six Lies Insurers Tell About TBI Claims
- Common Denial Excuses & How to Counter Them
- Appeals that Win
Who This Guide Is For
Traumatic Brain Injury survivors (and their support teams) who can’t work like before, are preparing a long-term disability claim, or are staring down a denial and need a plan.
About the Authors
Ben Glass & Damon Miller — Long-Term Disability Attorneys, BenGlassLaw
We represent TBI LTD claimants nationwide, building strong records before filing and crafting appeals that anticipate insurer arguments.
What Readers Learn to Do (Immediately)
- Identify the right testing (neuropsychological + vestibular/balance; when advanced imaging/EEG may help) and avoid insurer traps that dismiss NPEs as invalid.
- Document real-world deficits that don’t show on routine MRI, normal neuro exams, “A&O,” or quick GCS snapshots.
- Preserve deadlines and treat the appeal window like the decisive inning
Need Help with an LTD Denial?
If your LTD claim was denied—or you’re about to file and want to do it right—talk to our team. We’ll review your situation and map the next steps. Call (703) 591-9829 or contact us today!