Latest Blog Posts
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...
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...
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,...