You might be wondering what disability insurance is and why it’s important to have. Disability insurance protects your income. It helps by replacing a portion of your monthly income if you are unable to work due to an injury or illness. This is important because you don’t have to worry about not having the money… Read More
Category: Long Term Disability
Long term disability insurance denials and appeals under ERISA
Top Reasons Long Term Disability Claims are Denied or Terminated
You filed for Long Term Disability and just found out that the insurance company has denied your claim. Yet you know that you cannot work and your doctor agrees. How could this be? Why do insurance companies deny short or long term disability claims? Why do they abruptly terminate LTD benefits while you still need… Read More
Does Retirement Age affect my Long Term Disability?
If you need to use your long term disability insurance close to retirement, eligible time frames can change based upon your age. Typically, long term disability is paid out for a certain number of years and up to a certain age. Many plans will pay out until age 65 or retirement age under social security…. Read More
Can I go on Long Term Disability for Breast Cancer?
Breast cancer is the leading type of long term disability claim when it comes to cancers. As with other cancers, breast cancer can be the basis for short or long term disability if you are no longer able to work as a result. Usually, cancer patients who need to go on disability do so either… Read More
Is my Income Protected by Insurance if I can’t work anymore?
As we get caught up in our busy work lives, most of us don’t stop to think about what would happen if we had an accident or our health significantly declined. The reality is that 25- 30% of American workers will face a health crisis during their lifetimes, causing at least a temporary inability to… Read More
Common Causes of Long Term Disability
Many American workers have long term disability insurance policies through their job. Have you ever wondered what actually causes people to have to go on disability? It is estimated that 25-30% of U.S. workers will become at least temporarily disabled at some point, impacting their ability to work. The list of reasons for having to… Read More
What is the Claim File in my Long Term Disability Case?
If you are appealing your long term disability because the insurance company has denied your benefits, you need the claim file. The claim file is everything that the insurance carrier of your disability policy has that pertains to your case. Depending on the insurance company and the specifics of your case, the claim file could… Read More
Is it Worth Applying for Short Term Disability?
STD, or Short Term Disability, is a type of insurance benefit offered by many employers. It is designed to cover a portion of your income if you can’t work in your own occupation after becoming sick or injured. In most cases, it is worth the effort to apply for your short term benefits. Short Term… Read More
10 Things You Need to Know About ERISA Disability Cases
ERISA long term disability cases are extremely complex. To help you begin to make sense of it, below is an introduction to ten things that you need to know if your long term disability carrier has denied benefits. Are you feeling surprised or scared because your insurance company denied your disability benefits claim? Are you… Read More
Long Term Disability Repayment following Social Security Award
It is true that you’ll likely have to repay your long term disability carrier once awarded social security benefits. You probably received a letter from your long term disability insurance carrier demanding that you give them back some of what you were rightfully paid under the policy. These letters often come right after receiving an… Read More
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