FREE CONSULTATION

Long-Term Disability

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 …

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…

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…

3 Common Mistakes to Avoid in Independent Medical Exams for Disability Claims

May 6, 2016

After filing a short- or long-term disability claim, you may be required by your insurance provider to attend a so-called independent medical exam (IME) (the more appropriate term is Insurance Medical Exam).  IMEs are physical exams conducted by licensed doctors who have specifically been selected by the insurance provider. The purpose of these exams is usually to provide…

Are You Protecting Your Paycheck & Financial Future?

April 29, 2016

Do you rely on your paycheck every month to cover your essential expenses? How long would you be able to support yourself if you were unable to earn a living? Although it can be grim to think about the answers to these life questions, the reality is that accidents happen and that many people do…

Can I Work While Receiving Long-Term Disability Benefits?

April 25, 2016

This is a common question.  Whether or not working will affect your eligibility to receive long-term disability (LTD) benefits will hinge on the details of your policy. Working & LTD Benefits: ‘Own Occupation’ versus ‘Any Occupation’ Policies One of the main factors impacting  the question of eligibility for LTD  while working  is how a given policy defines Disability.   Individually purchased policies…

Disability and Life Insurance: Common Myths about ERISA Dispelled

April 18, 2016

Misconceptions about the Employee Retirement Income Security Act (ERISA) of 1974 abound. While this federal law is certainly complicated and it may be common that covered employees are completely unfamiliar with how it functions, or that it even exists, understanding the facts behind some of the most common ERISA myths can be important to: Being…

FAQs about Long-Term Disability Benefit Offsets

June 14, 2015

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 policyholder is receiving. To clarify just how and when offsets…

Facts & Statistics Regarding Disability Insurance Coverage in the U.S. (Pt. 2)

July 30, 2014

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 dedicated to advancing the rights and interests of consumers in the…

Facts & Statistics Regarding Disability Insurance Coverage in the U.S. (Pt. 1)

June 20, 2014

Undoubtedly, a person’s income is one of his most important assets, and when people are unable to work due to an injury or illness, having disability insurance coverage can be critical to getting the financial support they need as they focus on their recovery. What many people may not be aware of, however, is how…