Category Archives: Disability Insurance
American Heart Month: Risks Regarding Heart Disease and Your Rights To Long-Term Disability Benefits
Heart-shaped candies and novelty items spring up everywhere in stores over Valentine’s Day. Designed to convey our feelings for family and friends, they also call attention to a potentially life-threatening health issue. February is American Heart Month and raises awareness about heart disease. It is a common condition that could entitle you to long-term… Read More »
How Long Do Long-Term Disability (LTD) Benefits Last?
Long-term disability (LTD) insurance helps to supplement lost income in the event injuries or illnesses prevent you from working. Many people have LTD policies provided through their employers. You can also supplement this coverage by purchasing an additional policy through a private company. One of the most common questions we hear from clients concerns… Read More »
New Test Could Help People With Long-Term Disabilities Caused By Traumatic Brain Injuries (TBI)
Long-term disabilities often happen as a result of accidents. Traumatic brain injuries (TBI) are one of the most common causes. Even minor bumps, blows, or jolts to the head can cause serious impairments that prevent you from working or attending to daily tasks. Unfortunately, proving traumatic brain injuries in order to receive long-term disability… Read More »
Five Common Questions About Long-Term Disability Insurance
Long-term disabilities can happen to anyone and at any age. When you are unable to work as a result, long-term disability insurance can help ensure you continue to make ends meet. The following are five common questions about this type of coverage. What Is Long-Term Disability Insurance? Like any type of insurance, long-term disability… Read More »
Understanding The Elimination Period In Your Long-Term Disability Policy
When long-term disabilities happen, you count on benefits available through employer-provided policies to help you make ends meet. Unfortunately, not being clear on your terms of coverage can result in some unpleasant surprises. One of the most common concerns your LTD policy’s elimination period. This is a period of time in which you are… Read More »
How The Holidays Could Impact Your Long-Term Disability Claim
The holidays are one of the most festive times of the year. Despite concerns over COVID-19, you and your family likely still have tasks to attend to, such as decorating, planning parties, and shopping. If you have recently suffered a long-term disability, it is important to be aware of how these and other situations… Read More »
Autoimmune Disorders and Social Security Disability
Autoimmune disorders comprise a long list of diseases that impact millions of people, putting their health at serious risk. Aside from the daily struggles sufferers face due to having a lowered immune system, flare ups of their condition can be completely debilitating. When these keep you from working or being able to provide for… Read More »
Long-Term Disability Benefits: Transitioning From ‘Own Occupation’ to ‘Any Occupation’ Benefits
Long-term disability benefits provide in the event you are unable to work. However, just because this type of policy is in place does not mean you will automatically be approved. Even if the insurance company does grant your claim, there are still times when your benefits will be subject to review. One of the… Read More »
Falls – A Leading Cause of Long-Term Disabilities
The changing seasons present a perfect opportunity to talk about fall risks. Aside from the obvious pun, these types of accidents are more likely to occur in the fall due to inclement weather and increased darkness. Unfortunately, even a seemingly minor slip and fall could leave you suffering long-term disabilities (LTD). It is important… Read More »
Common Causes of Long-Term Disability Among Young Adults
Your 20s and early 30s are active working years. Young people at these ages are often busy building both income and their careers. Unfortunately, long-term disabilities can easily wreak havoc with your plans. Along with jeopardizing your health, they put both your current and future financial security at-risk. To protect yourself, be aware of… Read More »
