Free Consultation 877.583.2524
We do not handle social security disability claims
logo celebrating

Nationwide Leaders in Disability Insurance Law

shook hands

Can I Use an Online Legal Service for Long Term Disability Insurance Claims?

Tuesday, June 13th, 2017

Maybe the better question is not “can you use an online legal website for an LTD claim,” but “should you?”

As experienced disability lawyers with more than thirty years of combined experience, we have witnessed many changes to the legal environment, including the increasing use of online legal services. Today you can use a legal website for business contracts, estate plans, employment contracts, and all kinds of legal services for documents that once were accessible only to attorneys.

Frankel & Newfield does not believe that long term disability insurance law lends itself to online law. Here’s why.

LTD insurance policies are complex contracts. Maybe IBM’s Watson AI system can discern the difference between “own” and “any” occupation, the deadlines when the policies change from “own” to “any,” and the relationship between residual claims and professional disciplinary actions. As far as we know, Watson isn’t yet working for claimants. More likely it will be harnessed by insurance companies to continue the tradition of denial and delay for disability claims. Until then, you need an experienced disability attorney.

Let’s face it: disability insurance is document intensive and it’s personal. The information that is requested by the disability insurance company spans from medical records going back many years to tax returns to your physician’s office notes, business and financial records (if you are a business owner) and many other personal documents. How much of that information do you want to load up into a portal, and how much do you trust that the portal of the online legal service company to be secure?

We acknowledge that if the Pentagon can be hacked, any portal can be hacked, but we have a concern about handing sensitive documents to a web-driven company. Who is behind that company? Do they have local offices? And what is your recourse if they mishandle documents or don’t handle your matter properly?

Experience really counts in Long Term Disability insurance claims disputes. Not only are long term disability claims complex, there are differences in how the different LTD insurance companies approach claims. Frankel & Newfield has worked with all of the insurance companies and won the respect of their legal teams, both in-house counsel and outside defense attorneys. We would not want to be in the room when a attorney representing an LTD insurance company received legal documents from an app.

Have questions about your disability claim? Call our office at 877-LTD-CLAIM (877-583-2524) and find out how we help clients, on a person-to-person basis.

Jason A. Newfield

Written By:

Jason A. Newfield - Disability Insurance Attorney

Jason Newfield is a founding partner of the disability insurance law firm Frankel & Newfield. He has spent the majority of his legal career advocating for the rights of disabled workers. He has lectured other professionals, worked on a Federal Advisory committee, and published many articles in the field of disability insurance claims and litigation.

Learn more about Jason | See Jason’s Publications



Ready To Talk?

Fill out the form to request a FREE legal consultation

Sorry, we do not handle SSDI/Social Security claims.

Frankel & Newfield does not currently handle any Social Security Disability Insurance claims.


*Required fields are marked

I have read the disclaimer.

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


This is about a Social Security Disability claim.

Ipad image

Download Our Free eBook


Secrets the Disability Insurance Companies Don't Want You to know!

Sign Up for our mailing list to receive disability insurance law updates

Your information is 100% secure and will never be shared with anyone


No matter where you are nationwide, we are here to help.

We have the resources and support to take on the largest insurance companies.

Contact us today for our nationwide service.

Contact Us
Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri
Nebraska Nevada New Hampshire New Jersey New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina
South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming