Author Archives: Jay Butchko
Complications From the Flu Could Cause Long-Term Disabilities
Throughout the month of January, there continued to be record numbers of people diagnosed with ‘the flu’ and case numbers are expected to climb throughout February and into March. Aside from making you feel miserable and causing you to take multiple days off work, a bad case of influenza could also have far-ranging impacts… Read More »
Tactics Insurance Companies Use to Deny Long-Term Disability Claims
For most people, their financial security depends on their ability to work and earn a steady paycheck. When accidental injuries or medical conditions result in long-term disabilities, benefits available either through group insurance available from your employer or a privately purchased policy can help to make ends meet. Unfortunately, dealing with insurers can be… Read More »
Keeping a Journal Can Help Protect Your Rights in a Long-Term Disability Claim
Chronic health conditions can quickly progress to the point where they result in long-term disabilities. Unfortunately, previous doctor visits and missed days from your job may have depleted your savings and left you with large amounts of outstanding medical debts. Planning how to afford monthly expenses once you reach the point that you are… Read More »
Protect Yourself Against Five Common Causes of Long-Term Disabilities
In the course of keeping up with your work, home, and social obligations, there are times when preventative health maintenance can end up taking a back seat. Unfortunately, neglecting to stay on top of chronic conditions you suffer from and not addressing what may seem like relatively minor symptoms can have major impacts on… Read More »
What Are My Long-Term Disability Risks?
The end of the year is often a time for reflection on the past and our hopes for the future. Many of us will make resolutions on ways to improve our finances, lifestyle, and personal health. It generally requires taking a few practical steps to make these dreams a reality. Unfortunately, unexpected events can… Read More »
How Much Long-Term Disability Insurance Do I Need?
Long-term disability insurance can help to ensure you have a steady income in the event accidental injuries, illnesses, or chronic health conditions keep you from being able to work. Considering the high number of people who suffer disabilities each year, making sure you are covered before you actually need it is a smart financial… Read More »
Know Your Long-Term Disability Risks and The Benefits You May Be Entitled To
Working at your job, meeting family obligations, and keeping up with social activities or hobbies can keep you so busy that it is easy to lose track of important goals. One of your top priorities should be taking care of your health. Unfortunately, disabilities can easily sideline your dreams for the future and your… Read More »
How Will an Independent Medical Exam Impact My Rights to Disability Benefits?
Despite having clear documentation from your doctor, you may still have to participate in an independent medical exam (IME) before employer provided long-term disability benefits are approved. Unfortunately, while the doctor involved is supposed to be impartial, insurers are often able to use information obtained during this appointment as a reason to deny, delay,… Read More »
Protecting Yourself Against Denied Disability Claims
When long-term disabilities occur as a result of an injury or illness benefits you may be entitled to through insurance policies that are in place can provide you with the income you need to support yourself and your loved ones. Unfortunately, in too many cases, claims end up being denied. When this happens, it… Read More »
Do I Need a Social Security Disability Attorney to Obtain Benefits?
Unexpected injuries and illnesses can happen to anyone, regardless of their age or current health. When they do, they can prevent you from working, threatening you and your family’s financial security. In these situations, Social Security disability benefits can act as a life line. Unfortunately, many of the applications submitted end up being denied… Read More »