Category Archives: Long-Term Disability
Employer and Insurer Obligations in Handling Long-Term Disability Claims
Long-term disability insurance is a common type of benefit provided by employers. It can help ensure your financial security in the event injuries, illnesses, or chronic health conditions prevent you from working. Unfortunately, getting the benefits you are entitled to is not always easy. Understanding the obligations of both your employer and their insurer… Read More »
Shopping Around for Long-Term Disability Coverage
Accidental injuries and chronic illnesses can happen to anyone and at any age. They can keep you from working for long months or even years, jeopardizing your ability to support yourself and your family. Long-term disability benefits offer a lifeline in these situations by continuing to provide you with a regular income. Depending on… Read More »
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 »
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 »
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 »
Statements Required by Insurers When Filing a Long-Term Disability
In the event you suffer injuries or illnesses that result in long-term disabilities that prevent you from working, benefits provided through your employer provide a safety net. Unfortunately, obtaining these benefits means dealing with insurance companies who are notorious for either denying or undervaluing claims. Statements they obtain from you, your medical providers, and… Read More »
Suffering From Back Pain and Wondering About Long-Term Disability Benefits?
Chronic back pain is something that many people suffer with. Depending on the severity, the impacts you experience as a result can keep you from working or performing certain tasks on your job, making you eligible for long-term disability benefits. The following highlights the types of back injuries that are generally covered and steps… Read More »
