225-201-8311

Recent Long-Term Disability Settlement Offer: Bad or Good Idea?

11 Steps to Effectively Apply for Long Term Disability in…

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...

February 17, 2023

​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....

February 12, 2023

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...

February 7, 2023

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...

January 6, 2023

​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...

January 4, 2023

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...

December 15, 2022

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...

December 13, 2022

How to Overcome Intoxication Exclusions for Life Insurance, LTD, and…

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...

November 25, 2022

​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...

November 10, 2022

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...

September 19, 2022