Author: J. Price McNamara
Pre-existing Condition Exclusions for Disability Insurance
Disability policies often exclude pre-existing conditions from coverage. A pre-existing condition is any medical condition an individual has before purchasing a disability insurance policy or...
Best and Worst Disability Insurance Companies
Disability insurance provides income replacement to individuals who suffer from disabilities and cannot work for the short or long term. While certain eligible individuals can...
Blind in One Eye: Disability Benefits
Vision-related disabilities are in the top ten disabilities among adults in the United States. About one million adults over 40 have blindness, while 4.2 million...
11 Steps to Effectively Apply for Long Term Disability in 2023
Whether you have long-term disability insurance through your employer or you bought a long-term disability policy on your own, the policy does not guarantee you...
Fibromyalgia Disability
Fibromyalgia is a condition that causes pain all over the body. This disease affects approximately four million Americans who suffer from some degree of it....
Definition of Totally Disabled
What is the definition of totally disabled? Each long-term disability plan offered to employees under ERISA will not be the same. Each policy is a...
Long-Term Disability for Depression and Anxiety
Most often, when people hear the word disability, they think of a physical ailment that hinders a person from moving around. However, mental health is...
Herniated Disc Disability
The prevalence of herniated discs does not make them any less debilitating. Treatment can range from physical therapy to surgery, and anytime a condition impairs...
Can I Get Temporary Disability After Surgery?
Some medical conditions require surgery, and paying out-of-pocket expenses can become a burden. You cannot work during recovery, so the financial burden worsens. However, you...
How to Appeal a Long-Term Disability Denial of Benefits [Step-by-Step]
Since you are reading this guide, chances are you have suffered an injury or illness, and working is now difficult or impossible. If your employer...
Long Covid and LTD Claims
While it seems the Covid-19 pandemic is nearing a close, there are still high case numbers and lasting effects of the disease. Those who survived...
How to Overcome Intoxication Exclusions for Life Insurance, LTD, and Accidental Death and Dismemberment Insurance
You pay for insurance in case of an accident that leaves you with a severe injury or results in death. While insurance should provide benefits...