Author Archives: Jay Butchko
Eight Common Conditions Covered by Long-Term Disability Insurance
Long-term disabilities can happen at any age. When they do, you may be unable to work for an extended period of time. In this situation, long-term disability insurance provided through your employer can help protect your financial security during the treatment and recovery period. While most people tend to think a disability will never… Read More »
Protecting Yourself Against Long-Term Disabilities on the Job
While some job sites are inherently dangerous places, accidents and injuries can occur in any occupation. When they do, it can leave you suffering long-term disabilities that prevent you from working, now and in the future. To protect yourself, it is important to know how you can prevent these injuries and the types of… Read More »
Proving Any Occupation Definition of Disability
As anyone who has received Long-Term Disability (LTD) benefits can attest, the most difficult aspect – in some cases, some would even argue even more difficult than the disability itself – is the claims process to be approved. In an effort to ensure that only those considered truly disabled are qualified to receive LTD… Read More »
What Are the Chances of Suffering a Long-Term Disability?
Few of us expect to ever become disabled. Unfortunately, it can and does happen to people of all ages throughout the Jacksonville and Orlando areas each year. Even relatively minor disabilities can prevent you from working or providing for yourself and your loved ones. In these situations, Social Security benefits and long-term disability insurance… Read More »
Seven Common Mistakes that Could Impact Your Social Security Disability Claim
When you suffer disabilities which keep you from working, Social Security disability benefits can be a lifeline. While these benefits can help you support yourself and your loved ones, getting your claim approved can be a challenge. The following outlines seven common mistakes people often make when filing disability claims, which can result in… Read More »
Reviewing Your Long-Term Disability Coverage
Long-term disabilities can happen to anyone, regardless of your age, health, or current occupation. Social Security Disability Insurance (SSDI) can help replace some of your lost wages in this situation. However, the benefits you are entitled to are unlikely to cover all of your living expenses. Long-term disability insurance is an option which can… Read More »
What Is ERISA and How Does It Impact My Disability Claim?
When long term disabilities prevent you from working, benefits available through an employer provided disability insurance policy can help offset your lost wages. Depending on the situation, the policies and the procedures you must follow in obtaining benefits are governed under complex federal regulations. It is important to be aware of how these laws… Read More »
How Long-Term Disability and SSDI Benefits Relate to One Another
Suffering a disability, which causes an individual to be unable to work, does allow that individual the opportunity to receive a number of financial benefits to supplement his/her lost income. Two primary benefits programs are Long-Term Disability (LTD), an insurance policy either offered by the individual’s employer or purchased by the individual on his/her… Read More »
An Outline of Qualifying for Disability Benefits
Suffering a debilitating injury can severely disrupt an individual’s life. Initially, the normal routines of one’s life are essentially to address necessary medical issues. Once that step is completed, rehabilitation may, in some instances, be a next step to full recovery. For individuals, though, the aftereffects of the injury may lead to disability and… Read More »
Timeline for Getting Approved for SSDI Benefits
Being diagnosed with a disability is very distressing. Not being able to perform the activities that one has been accustomed to doing, including work, can cause added strain, as the disabled individual may struggle to support himself/herself and his/her family. Fortunately, the federal government provides a program a disabled individual can use to receive… Read More »
