Author Archives: Jay Butchko
New Test Could Help People With Long-Term Disabilities Caused By Traumatic Brain Injuries (TBI)
Long-term disabilities often happen as a result of accidents. Traumatic brain injuries (TBI) are one of the most common causes. Even minor bumps, blows, or jolts to the head can cause serious impairments that prevent you from working or attending to daily tasks. Unfortunately, proving traumatic brain injuries in order to receive long-term disability… Read More »
Make Reviewing Long-Term Disability Coverage One of Your New Year’s Resolutions
A new year brings the opportunity for a fresh start for many people. It also is typically a time when we set new goals regarding our lifestyles, general health, and finances. New Year’s resolutions can help you avoid problems and sidestep potential challenges in the year ahead, but it is important to assess where… Read More »
Five Common Questions About Long-Term Disability Insurance
Long-term disabilities can happen to anyone and at any age. When you are unable to work as a result, long-term disability insurance can help ensure you continue to make ends meet. The following are five common questions about this type of coverage. What Is Long-Term Disability Insurance? Like any type of insurance, long-term disability… Read More »
Understanding The Elimination Period In Your Long-Term Disability Policy
When long-term disabilities happen, you count on benefits available through employer-provided policies to help you make ends meet. Unfortunately, not being clear on your terms of coverage can result in some unpleasant surprises. One of the most common concerns your LTD policy’s elimination period. This is a period of time in which you are… Read More »
Protecting Your Rights To Social Security Disability Benefits
Social Security disability benefits can provide a steady source of income if you are unable to work. Unfortunately, even after years of working and building up the required credits, getting your claim approved is often a challenge. Once you go through the process and finally do get your application approved, you want to make… Read More »
Social Security Disability Benefits: Filling Out A Residual Functional Capacity (RFC) Form
Social Security disability benefits can provide a life line if you are unable to work. Unfortunately, getting your benefits approved is often a challenge. One of the problems consists of the number of forms required. Not adequately understanding the information requested by the Social Security Administration (SSA) can end up resulting in denied or… Read More »
Preparing Now To File A Social Security Disability Claim In The Year Ahead
It is difficult coming to terms with the fact that a chronic injury, illness, or other medical condition is progressing to the point that it interferes with daily activities. Unfortunately, there are a number of health issues that can result in long term disabilities. If you are eventually unable to work, you may be… Read More »
How The Holidays Could Impact Your Long-Term Disability Claim
The holidays are one of the most festive times of the year. Despite concerns over COVID-19, you and your family likely still have tasks to attend to, such as decorating, planning parties, and shopping. If you have recently suffered a long-term disability, it is important to be aware of how these and other situations… Read More »
Autoimmune Disorders and Social Security Disability
Autoimmune disorders comprise a long list of diseases that impact millions of people, putting their health at serious risk. Aside from the daily struggles sufferers face due to having a lowered immune system, flare ups of their condition can be completely debilitating. When these keep you from working or being able to provide for… Read More »
Long-Term Disability Benefits: Transitioning From ‘Own Occupation’ to ‘Any Occupation’ Benefits
Long-term disability benefits provide in the event you are unable to work. However, just because this type of policy is in place does not mean you will automatically be approved. Even if the insurance company does grant your claim, there are still times when your benefits will be subject to review. One of the… Read More »