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How to talk to your doctor about long-term disability
If you’re waiting for your doctor to tell you that it’s time to file for long-term disability (LTD) benefits, don’t hold your breath. The vast majority of physicians won’t broach the subject with their patients simply because they figure the patient will tell them when…
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…
My life insurance claim has been denied. What are my options?
Losing a loved one is one of the most difficult experiences that anyone can face in life. While grieving such a loss, you might learn that your loved one named you as a beneficiary of their life insurance coverage. If your loved one faithfully paid…
Should you supplement your ERISA LTD policy with your own?
An advantage of having employer-sponsored insurance policies is that you can typically get them for far less than it would cost to get your own. This is particularly true when it comes to disability policies. It can be reassuring to know that you have a…
2 tips when you’re filing a disability insurance claim
Disability insurance protects workers who are unable to work due to their medical condition. Employers offer this insurance type as a short-term disability (STD) policy, covering you immediately, or a long-term disability (LTD) policy, replacing your income should the condition keep you from working beyond…
Are AD&D policies from the bank worth it?
It seems like every other month you get the same notice in the mail from your bank or credit union: A free offer of a $1,000 accidental death and dismemberment (AD&D) policy – just in appreciation for being their customer! All you need to do…
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