Author Archives: Jay Butchko
10 Common Mistakes When Filing A Long Term Disability Claim
Long-term disability insurance available through your employer provides important protections, reimbursing you for lost wages in the event you are unable to work for a year or longer. Unfortunately, many people make mistakes when filing their claims, resulting in denials or delays. The following are 10 of the most common to avoid: Not going… Read More »
Acting As Your Own Advocate When You Have Long Term Disabilities
Living with any type of illness or chronic health condition creates challenges in all areas of your life. In addition to the impacts on your physical and emotional health, you likely have concerns about providing for yourself and your family and managing work or other daily activities. The situation becomes even more serious once… Read More »
Making The Transition From Short To Long Term Disability
Injuries and illnesses can impact your ability to work or perform even simple tasks on the job. If you have group insurance available through your employer, you may be entitled to short term disability benefits. This helps offset some of the lost income you suffer. What about in cases where short term limitations result… Read More »
Five Things You Need To Know About Social Security Disability Benefits
If you suffer from long-term disabilities that prevent you from working, Social Security disability insurance (SSDI) benefits can serve as a lifeline, providing the income you need to pay housing, food, and other expenses. The following are five things you need to know about the program and these benefits: Eligibility for Social Security benefits… Read More »
Do You Have To Pay Back Long-Term Disability Benefits?
Long-term disability benefits can provide a steady income if you are unable to work. Benefit payments generally do not have to be paid back but there are exceptions. The following details three common situations in which this could happen. Long Term Disability Insurance Overpayments Mistakes and errors either on your part or on the… Read More »
Common Accidental Injuries That Can Result In Long Term Disabilities
Between work, hobbies, and social activities, there are a variety of different types of risks we face daily. Even seemingly minor accidents can end up causing long term disabilities. Long term disability (LTD) insurance benefits available through your employer can provide a lifeline in this situation. Find out more about common types of accidental… Read More »
Filing A Long Term Disability Claim When You Have Fibromyalgia
Fibromyalgia is a common health condition that involves a variety of symptoms, all of which can impact your ability to work and provide for yourself and your family. Unfortunately, people who suffer from it are often surprised to find long-term disability (LTD) benefits they are otherwise entitled to end up being denied. Our Florida… Read More »
Long Haul COVID Officially Declared A Disability
Since COVID-19 first swept through the country in March of 2020, there have been reports of people who were infected and suffered long-term disabilities as a result. Referred to as ‘long haulers’, they often experience a multitude of symptoms that make it difficult to perform daily activities or even simple tasks on the job…. Read More »
Long Term Disability Benefits And Other Types Of Disability Insurance
Insurance policies you have in place, including those provided by your employer and private policies you purchase, help to protect you when the unexpected happens. These often work together and combined, can save you hundreds of thousands of dollars. Find out how your long-term disability benefits may work with other common types of disability… Read More »
Four Types Of Information Needed For Your Social Security Disability Interview
If you suffer from an injury or illness that prevents you from working, you may be eligible for Social Security Disability Insurance (SSDI) benefits. These can help to offset losses in income you suffer, helping you meet your monthly bills and living expenses. Taxes deducted from your paycheck help to fund the SSDI program…. Read More »
