Category Archives: Disability Insurance
Questions to Ask Before Buying an Individual Disability Policy
Insurance can help to protect you and your loved ones in the event that a long term disability happens. This type of situation is not as uncommon as you might think. It can occur due to accidental injuries, a sudden and severe illness, or due to chronic health conditions you have suffered over a… Read More »
Be Your Own Advocate When It Comes to Long-Term Disability Benefits
Most people think long-term disabilities will never happen to them. Unfortunately, statistics prove otherwise. When health conditions that result in disabilities do occur, taking the actions needed to be your own advocate can help you regain some control. Being informed helps to reduce the stress and uncertainty of the situation and increases your odds… Read More »
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 »
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 »
Deadlines You Need to Know for Long-Term Disability Claims
Navigating the legal process is a very complex undertaking, and one of the reasons for this complexity is the deadlines. From statutes of limitation to deadlines to file an appeal, legal deadlines are numerous and heartbreaking if not met, sometimes resulting in the loss of the right to file a case. Similarly, engaging with… Read More »
When Can Your Long-Term Disability Benefits Be Canceled or Terminated?
Disabling injuries can come on at any time and devastate a person physically, mentally, emotionally, and financially. Fortunately, many employers offer an insurance policy – Long-Term Disability (LTD) – which helps employees by providing financial support during the time of their disability. For those whose employers do not offer this (and even if an… Read More »
The Role of Vocational Experts at SSDI Hearings
In most cases, applications for Social Security Disability Insurance (SSDI) benefits are approved or denied at the hearing phase, after the application has been rejected in the earlier appeal proceedings. The hearing phase typically involves a face-to-face meeting with an administrative law judge, in which the applicant presents arguments in his/her favor, and in… Read More »
DNA Testing Can Impact Long-Term Disability Coverage
A disability can strike at any time, and may affect an individual to the point which he/she may be forced to stop working. In these cases, the individual may wish to take advantage of Long-Term Disability (LTD) Insurance benefits. LTD benefits are typically provided as part of an employee’s benefits offering, although individuals are… Read More »
Filing for Long-Term Disability
Typically, although not exclusively, a part of an employee’s benefits program is Long-Term Disability (LTD). LTD benefits pay out a predetermined sum when an employee becomes disabled for at least one year or more. Since studies have shown that there is a greater chance that workers will suffer a long-term disability than ever before,… Read More »
Can You Be Fired While on Long-Term Disability?
When an employee becomes unable to work, due to the onset of a disability, he/she naturally begins to worry about how he/she will be able to support himself/herself and his/her family. Fortunately, many businesses provide Long-Term Disability (LTD) for its employees, which allows them to submit a claim with an LTD insurance carrier for… Read More »