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November 18, 2025 51 mins

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Welcome to Season 5, Episode 39 of Winning Isn't Easy. In this episode, we'll dive into the complicated topic of "Inside Disability Law: Insights and Lessons with Attorney Kate MacKinnon."

Most disability applicants think the claims process should be simple: you’re sick, you can’t work, and benefits should follow. But ERISA disability claims are full of misconceptions, hidden pitfalls, and insurance company tactics that can turn a legitimate claim into a long fight. In this episode of Winning Isn’t Easy, we’re joined by attorney Kate MacKinnon, a recently retired ERISA and individual disability lawyer who spent her career guiding policyholders through denials, appeals, and settlements. Drawing on decades of experience, Kate breaks down the realities every applicant needs to understand. We explore what led Kate to disability law and use her journey to reveal the misunderstandings that often hurt applicants - like the biggest myths about filing a claim, the confusion around appeals, and why many people unintentionally weaken their case by going at it alone. You’ll also learn practical strategies: how cases are valued, why and how they settle, what to look for in a disability attorney, and the most common mistakes people make managing claims or appeals themselves. Kate shares guidance on working effectively with attorneys to strengthen a case from the start. As she reflects on her career, she offers clear wisdom for applicants facing uncertainty. You’ll walk away with an honest roadmap to the claims and appeals process - and the insight to avoid costly missteps. Winning isn’t easy, but understanding what’s ahead can make all the difference.

In this episode, we'll cover the following topics:

One - Kate’s Path to Disability Law and Common Disability Misconceptions

Two - Disability Strategies and the Value of Working With Attorneys

Three - Other Wisdom and Kate’s Reflections on Her Career

Whether you're a claimant, or simply seeking valuable insights into the disability claims landscape, this episode provides essential guidance to help you succeed in your journey. Don't miss it.


Listen to Our Sister Podcast:

We have a sister podcast - Winning Isn't Easy: Navigating Your Social Security Disability Claim. Give it a listen: https://wiessdpodcast.buzzsprout.com/


Resources Mentioned in This Episode:

LINK TO ROBBED OF YOUR PEACE OF MIND: https://mailchi.mp/caveylaw/ltd-robbed-of-your-piece-of-mind

LINK TO THE DISABILITY INSURANCE CLAIM SURVIVAL GUIDE FOR PROFESSIONALS: https://mailchi.mp/caveylaw/professionals-guide-to-ltd-benefits

FREE CONSULT LINK: https://caveylaw.com/contact-us/


Need Help Today?:

Need help with your Long-Term Disability or ERISA claim? Have questions? Please feel welcome to reach out to use for a FREE consultation. Just mention you listened to our podcast.

Review, like, and give us a thumbs up wherever you are listening to Winning Isn't Easy. We love to see your feedback about our podcast, and it helps us grow and improve.

Please remember that the content shared is for informational purposes only, and should not replace personalized legal advice or guidance from qualified professionals.

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