Category: Long Term Disability

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 is a condition that causes pain all over the body. This disease affects approximately four million Americans who suffer from some degree of it....

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...

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...

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...

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...

​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...

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...

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...

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...