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Category Archives: Long-Term Disability

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Documenting symptoms is crucial to a long-term disability claim

In a perfect world, you could simply fill out your application for long-term disability benefits and quickly receive the assistance you need. The reality is the application process can be long and complicated, especially if you have a condition that is likely to worsen over…

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Considerations before filing an LTD appeal

A disability can be an enormous detriment to the well-being of a Colorado resident. When a disability prevents a person from holding down a job and earning an income on which to live, the individual can find themselves falling behind on bills, unable to support…

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When cognitive impairment prevents you from working

People who suffer from cognitive impairment often live in a world of uncertainty. They have difficulty thinking, understanding, learning, making decisions and remembering. Cognitive disabilities can be caused by a number of things, including traumatic brain injury, physical illness such as diabetes and heart disease,…

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Some risks can lead to denied disability insurance applications

Many professionals purchase individual disability insurance (IDI) to supplement employer-provided disability insurance or because an employer does not provide short-term or long-term disability coverage. Insurance companies that offer IDI rely on extensive screening processes to protect their financial interests. Not every individual who wishes to…

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Why do I need get long-term disability coverage?

Long-term disability insurance is one of the benefits your employer may offer. While many employers will pay a portion of the costs for you, you may have to cover the full expense. This may have you wondering if it is worth it to get this…

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What to know about long term disability insurance

We rely on insurance companies to be there for us when an event or condition prevents us from making financial ends meet. Long term disability (LTD) insurance policies are meant to provide monthly payments in case of a disability that lasts six or more months.…

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