Latest Blog Posts
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...
ERISA Disability Offset Provisions
You receive approval for your long-term disability benefits, and you think there is nothing else to worry about. However, the insurance company is still looking...
Private Disability Insurance
Imagine you are a non-disabled worker, and you have no expectation that you will have to touch your savings because of any medical condition. Unfortunately,...
Finding a Sample Long-Term Disability Appeal Letter
You file a long-term disability claim, and when you get a response letter, you see a denial. Many claimants think this is the end and...
ERISA Disability Benefits
Being unable to work is challenging, whether because of a temporary disability or a long-term one. Luckily, you can file for employer-sponsored long-term disability benefits....
How to Appeal an ERISA Accidental Death and Dismemberment Insurance Claim Denial
Attorneys Who Handle Accidental Death and Dismemberment Claims Will Tell You to File an Appeal if the Insurance Company Denies Your Claim To those stuck...
When to file an ERISA long-term disability claim
There are different deadlines for filing an ERISA long-term disability claim. You will need to review your insurance policy to determine when to file a...