Category: Long Term Disability
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...
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...
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...
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...
LTD for Healthcare Workers
Healthcare workers have responsibilities to the general public to get everyone safe and healthy while in their care. However, medical professionals are not exempt from...
Qualifying for ERISA Long-Term Disability Insurance
Employees have many benefits available to them through their employer. While familiar with health insurance and retirement benefits, you may be unaware of disability benefits....
Common Questions and Answers About Disability Benefits
Long-term disability claims are a high-stakes matter for you and the insurance company. A long-term disability claim is often worth far more than an SSDI...
Earning Passive Income – Can I Work Part-Time on LTD?
Once the insurance company has granted you long-term disability benefits, you need to ensure that you keep receiving them. Insurance companies are always looking for...