Category Archives: Disability Insurance
Citizenship, Residency And Qualifying For SSDI
Where a person chooses to live is much more fluid in today’s world compared with the past, when most people lived their entire life in one place. This fluidity has translated into people living in multiple States, and some to move outside the country entirely. This mobility may be beneficial for employment purposes, but… Read More »
SSDI And Cancer: Options For Obtaining Benefits
Few moments in life are more striking or devastating than hearing a diagnosis of cancer. Not only do sufferers have to worry about the effects of the disease on their bodies, but there are also considerable debilitating effects from the drugs, chemotherapy and radiation that are routinely ordered to fight the cancer’s growth. Cancer… Read More »
Obtaining SSDI Benefits When Your Disability Is Invisible
While society is not always accommodating toward individuals with disabilities, if the impairment is visible from the outside, people are more sympathetic and willing to help. This same level of understanding is not typically extended to those with disabilities that are not apparent. Nevertheless, many disabled persons experience an inability to work and turn… Read More »
Disability Benefits For First Responders
Everyone faces the potential of suffering an on-the-job injury that causes temporary or permanent disability. Even in relatively safe environments, such as office buildings, accidents still happen, and hazards do exist. However, some occupations are more dangerous than others, and put workers in dangerous conditions everyday that threaten their physical and mental health. First… 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 »
The Effect Of Other Income On Disability Benefits
Disability insurance benefits, through both private and federal programs, offer a lifeline to individuals suffering from a disabling impairment. However, this assistance almost always comes with a number of caveats that can obligate and/or restrict a recipient’s ability to seek other sources of income, including disability benefits available through other providers/programs. Disability insurance providers… 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 »
Figuring Out The Right Time To File For Disability
There is no one particular way a disability can occur. For some, the onset is gradual as the body breaks down over time from the physical demands of a job. For others, the onset is sudden and unexpected, perhaps due to an accident or a diagnosis of a debilitating disease. How and when a… Read More »
Qualifying For A Medical Vocational Allowance
The process of qualifying for Social Security Disability Insurance (SSDI) benefits can seem mysterious to many claimants. The number of rules and regulations that govern how the Social Security Administration (SSA) reviews and evaluates disability is daunting, to say the least, and unfortunately, make what seems to be a relatively straightforward disability claim much… Read More »
Preexisting Conditions And Disability Insurance Coverage
The point of buying a health insurance policy is that it will pay the benefits purchased when a problem occurs, regardless of when or how it arose. However, it is common for disability insurance policies to include coverage exclusion provisions for preexisting conditions, both in group employer-sponsored plans and individually purchased private policies. This… Read More »