Category Archives: Long-Term Disability
FAQs about Long-Term Disability Benefit Offsets
Long-term disability (LTD) insurance policies commonly contain provisions regarding “offsets.” These provisions are usually called “Deductible Sources of Income.” The purpose of the provision is to allow the insurance company to reduce the amount of payable benefits, based on other disability-related benefits or income a…
May is Disability Insurance Awareness Month
May marks the start of Disability Insurance Awareness Month (DIAM), a campaign started and sponsored by the nonprofit organization Life Happens. The goal of DIAM is to educate the public about their risk of disability and inspire them to invest in disability insurance coverage. While…
Elimination Periods for LTD and LTC Policies: Here’s What You Should Know
If you have long-term disability (LTD) or long-term care (LTC) insurance, your policy will have what is known as an elimination period associated with it. Understanding what elimination periods for LTD and LTC policies are and how they can impact your current or future claims…
Disability Insurance and ERISA: An Overview
If your disability insurance is provided through your employer, understanding how ERISA may impact your disability claim can be confusing. However, the following overview of how disability insurance and ERISA generally work together can provide you with some important insight as to what to expect…
Your Approved Long-Term Disability Claim Has Now Vanished: What Now?
Today I want to write about a certain provision often found within a long-term disability policy that can significantly impact your ability to collect benefits. I am referring to the “limitation” provision(s) found within your policy, and specifically the catch-all limitations provisions which will limit…
Facts & Statistics Regarding Disability Insurance Coverage in the U.S. (Pt. 2)
Continuing from Facts & Statistics Regarding Disability Insurance Coverage in the U.S. (Pt. 1), below is some additional important information about long-term disability insurance coverage for American workers. This data is based on research conducted by the non-profit Consumer Federation of America (CFA), an organization…
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