Author Archives: Jay Butchko
Medical Evidence Needed in a Social Security Disability Claim
There are many people that suffer from medical conditions that make it hard to work or perform certain tasks on their jobs. Many of these conditions tend to worsen with time and eventually result in long term disabilities. Without private long term disability (LTD) insurance in place, Social Security disability can provide a lifeline…. Read More »
Are There Changes Ahead For Social Security Disability Benefits?
For over a decade, there have been ongoing concerns related to funding of benefits provided through the Social Security Administration (SSA). COVID-19 only adds to the problem. A temporary waiver of payroll taxes is intended to provide an income boost during the pandemic but it could contribute to putting the future of SSA programs,… Read More »
Assessments Insurers Use In Approving Long-Term Disability Benefits
Filing for long-term disability (LTD) benefits is often a time-consuming and confusing process. Meeting insurer qualifications is part of the process. Anytime you deal with LTD insurers, there will be assessments used to classify your level of disability. The following details some of these and other terms you may hear that are used to… Read More »
10 Common Conditions Covered By Social Security Disability Insurance (SSDI)
Chronic health conditions can affect your ability to engage in your normal hobbies and activities while requiring the need for ongoing medical care. While you may have become accustomed to making adjustments in your lifestyle, it is important to be aware of the benefits which may be available. If your health issues cause long… Read More »
Do I Need Additional Long-Term Disability Insurance?
Long-term disabilities can occur suddenly or as a result of ongoing medical issues you have suffered over the years. Long-term disability insurance can provide a safety net in this situation. While this type of insurance may be provided by your employer, it may not be enough to cover your expenses. In this case, additional… Read More »
What Is a Bad Faith Lawsuit and How Does It Apply to Long-Term Disability?
Long-term disability insurance gives you some security in the event injuries or illnesses prevent you from working. As long-term disability (LTD) benefits offset the losses in income you suffer, it can be devastating to you and your loved ones to have these benefits denied. Without a legitimate reason for taking this type of action,… Read More »
Six Things You Need To Know About Employer-Provided Long-Term Disability Benefits
Long-term disability insurance is one of the many benefits you may be entitled to from your employer. This type of insurance can provide you with a steady income in the event injuries, illnesses, or chronic health conditions prevent you from working. Unfortunately, just because a policy is in place, it does not mean obtaining… Read More »
Long-Term Disabilities That Can Result From COVID-19
Florida was one of the hardest-hit states in terms of the coronavirus pandemic. As COVID-19 case numbers have begun to level, local businesses are reopening. Unfortunately, not all workers will be able to return. As we learn more about the virus, there is increasing concern about potential long-term disabilities (LTD) that can occur as… Read More »
Five Frequently Asked Questions About Social Security Disability Benefits
Social Security disability benefits act as a safety net in the event you are unable to work. They can help ensure that your family is provided for and that your monthly needs are met, but obtaining these benefits is not always easy. The claims process can be confusing and benefits are often delayed or… Read More »
5 Ways the Employee Retirement Income Security Act (ERISA) Impacts Your Long-Term Disability Claim
Long-term disability benefits can provide you with much needed income in the event an injury, illness, or chronic health condition prevents you from working. While these benefits may be provided through your employer as part of your overall compensation package, getting your claim approved can be a difficult process. Federal laws provide guidelines in… Read More »