Category Archives: Long-Term Disability
What To Do When Long-Term Disability Claims Are Denied
Many adults possess a long-term disability (LTD) policy, either provided by their employer or through the purchase of a policy on their own. Insurance agents who sell these plans always seem to have the answer to any question they hear from the customer. The agent’s claim that a policyholder has a greater chance of… Read More »
New Disability Claim Procedures Now In Effect
Insurance, in recent times, has become almost a necessity for life. From automobile to home, insurance allows many people a peace of mind, free from the worry of having to replace something should tragedy strike. Included with this is disability insurance, which serves to protect an employee from loss of income should he/she be… Read More »
Medicinal Cannabis And Social Security Disability Benefits
More and more states in this country have legalized the use of tetrahydrocannabinol (THC, the psychoactive aspect of the cannabis plant, also known as marijuana, for medicinal purposes), although, pursuant to federal law, cannabis is still a Schedule I narcotic under the Controlled Substances Act, meaning possession is illegal. In spite of the federal… Read More »
Women And Social Security Disability Benefits
As we now live in an age where women constitute an almost equal share of the workforce, women are increasingly applying for, and receiving, Social Security Disability Insurance (SSDI) benefits. This hasn’t always been the case, however. When women were disproportionately underrepresented in the workforce, primarily due to maintaining mostly unpaid work as home… Read More »
Factors Influencing Long-Term Disability Coverage
Individuals who are proactive and seek long-term disability coverage to protect their financial security and that of their family understandably take comfort in the benefits these policies provide. However, insurance companies, regardless of the type of policy under consideration, are primarily worried about limiting their exposure, and will try to limit when benefits must… Read More »
Fitting Nerve Pain Into An SSDI Claim
Some of the most debilitating pain a person can experience is nerve-related. People experience this pain in a number of ways, but almost anyone who has felt nerve inflammation will say that it is overwhelming and unbearable. Despite the advancement of medical technology, there really is no effective way to treat nerve-related conditions for… Read More »
Autoimmune Disorders And SSDI Benefits
The phrase autoimmune disorder encompasses a wide variety of conditions that can focus on one part of the body, or attack the system as a whole. Autoimmune disorders arise when the body can no longer distinguish between healthy tissues and invaders, such as viruses or bacteria, and thus, attack everything equally. Depending on the… Read More »
Delays On New Federal Regulations Meant To Help Disability Claimants
Filing a claim for long-term disability insurance coverage is often a lengthy and frustrating process. Not only is a person dealing with debilitating mental and/or physical issues, but he/she must also worry about the financial implications of having the claim denied. Long-term disability coverage is offered through private individual insurance policies and through employer-sponsored… Read More »
Key Terms In Long-Term Disability Policies
It is easy to assume one does not need disability insurance. Often people think this type of coverage is meant for the older worker or someone with preexisting physical or mental conditions that place them at risk of becoming impaired. However, a disability can arise from a number of sources – accident, illness or… Read More »
Understanding Your Disability Insurance Policy
Unless a person works in an area that exposes him/her to the risk of injury on a regular basis, most people do not spend much time contemplating what would happen if they could not work due to a disability. But, people are injured or suffer the onset of a serious illness every day. In… Read More »
