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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…
It’s vital to seek medical care after a road traffic collision
If you are involved in a car accident, it can be a stressful situation. After the accident, you may not feel any immediate aches or pains and decide to pass on medical treatment. This isn’t a smart move. There are more than a few reasons…
How long do you have to file an ERISA appeal?
An insurance policy covered by the 1974 Employee Retirement Income Security Act (ERISA) gives you certain rights. The insurer must handle your claim in accordance with those rights. That does not mean they will. Every year, many employees who believed taking out these policies would…
Sleep disorders can qualify as disabilities
There are many different sleep disorders that people suffer from, which can dramatically impact their quality of life. Some of these can even be dangerous and can have fatal consequences if not treated properly. But even those that don’t generally lead to fatal incidents can…
Should insurance cover the loss of a limb?
In many industries, the loss of a limb through an accidental amputation could mean that an individual will never be able to work in their career again. They may have had a physical job that they cannot do after the fact, but it doesn’t even…
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