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Long-Term Disability and combine Benefits with Claims

Disability Claims for Firefighters & Police Officers

May 9, 2018

Many firefighters and police officers in the state of Colorado enjoy the benefits of the Fire & Police Pension Association of Colorado (FPPA). The FPPA administers a state-wide, multiple-employer retirement system providing defined benefit plan coverage. In addition to pension benefits, death and disability coverage also exists. For many fire districts and police departments, an additional long-term disability (LTD) insurance policy…

May is Disability Insurance Awareness Month

April 27, 2018

Disability Insurance Awareness Month (“DIAM”) is a campaign started and sponsored by the nonprofit organization Life Happens. The first goal of the campaign is to encourage people to take the time to consider the reality of missing work for any period of time, and to understand that it happens more than any of us would…

Mental Health Conditions and LTD Claims

April 16, 2018

Proving the existence of a disability, and your disabling symptoms, can be challenging in any disability insurance claim. For those suffering from a mental health condition, the claim process can be just as problematic if not more difficult to navigate.  That is because many of these conditions can be relatively invisible. For those seeking LTD…

Hartford Approves Long-Term Disability Benefits

April 11, 2018

A career firefighter suffered from several work-related injuries. He made heroic efforts to continue working by pursuing every treatment option, including multiple surgeries, to improve his conditions. However, his doctors had grave concerns that he would ultimately suffer a reinjury and recommended he cease work. He was eventually convinced to end his career and submit…

How Can I Figure Out the Date of Disability for My Long-Term Disability (LTD) Claim?

December 27, 2017

When it comes time to file a claim against a long-term disability (LTD) policy, figuring out the date of disability will be pivotal to determining …

Independent Medical Exams (IMEs) for Disability Claims: What to Expect

December 18, 2017

When a claim is filed against a short- or long-term disability policy, the insurance company may request that the claimant attend an independent medical …

Long-Term Disability Claims & Appeals: FAQs

June 26, 2017

Navigating the long-term disability (LTD) claims process can be challenging, especially in light of the fact that insurance companies are not necessarily looking out for policyholders or their rights. In fact, some insurance providers may even take extra steps – like surveilling claimants – to try to find reasons to deny claims. Important Answers about LTD Claims To start…

Disability Benefits: Beware Facebook, Linkedin, and All the Rest

November 15, 2016

Be very careful what you post on your social media sites, such as Facebook and even LinkedIn. Everyone knows Facebook.  We have previously posted about the dangers of exposing your personal life for all the world to see, because your disability insurance carrier exists in that world.  LinkedIn is a professional networking and employment internet…

Is Your Insurance Company Preparing to Terminate Your Long-Term Disability Benefits?

October 3, 2016

Convincing your insurance company to approve a long-term disability (LTD) claimcan be challenging.  Keeping your claim in an approved status can be similarly challenging.  After LTD benefits have been approved, insurance companies will continue to review the claim and look for reasons to terminate benefits. There can be warning signs that can reveal an insurer’s intent…

Long-Term Disability Benefits & Bipolar Disorder

June 29, 2016

Individuals suffering from bipolar disorder can experience many difficulties in life.  Sufferers of bipolar disorder will experience feelings of depression that alternates with episodes of mania.  The symptoms associated with bipolar disorder can render an individual incapable of working and can include hyperactivity, impulsive decision-making, distractibility, trauma, racing thoughts and depression. If work in no…