Category Archives: Long-Term Disability
Requirements for employee-sponsored long-term disability benefits
In today’s competitive business landscape, attracting and retaining talented employees is crucial for the success and growth of any organization. Offering comprehensive employee benefits is one of the key strategies companies employ to help ensure employee satisfaction and loyalty. One such important benefit is long-term…
Points to remember about dismemberment insurance
Dismemberment insurance, often paired with life insurance in a package known as accidental death and dismemberment (AD&D) insurance, provides financial protection because of a severe accident. It offers peace of mind, knowing that if an accident leads to the loss of a limb, sight, speech…
Has a long-term disability insurer offered a lump-sum buyout?
Once your long-term disability (LTD) claim is approved and stabilized, the insurer may offer you a lump-sum buyout. You could obtain a considerable sum in exchange for ending your claim once and for all. A final lump-sum payment sounds great on paper, but it is…
What qualifies as a long-term disability (LTD)?
As people grow older they have a higher risk of developing medical illnesses, catching a disease or injuring themselves. These health conditions can disrupt a person’s daily routine. That’s why there are disability benefit plans available. While some illnesses and injuries can quickly heal, other…
How gaps in treatment can affect your long-term disability
When you’ve suffered an injury or developed an illness that keeps you from working, you may rely on your long-term disability policy to keep you afloat. Unfortunately, gaps in your medical care can put your benefits in danger. Whether you’re still trying to obtain the…
Can disability insurers commit fraud against consumers?
It is common to find stories about consumers committing insurance fraud, but you almost never hear about fraud on the part of insurers. Unfortunately, it can and does happen, leaving those who depend on their insurance without the coverage they purchased. Several years ago, an…
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