Disability insurance claim form When a long-term disability forces you to leave your employment, you may be counting on your ERISA long-term disability insurance policy to cover important life expenses and keep your family afloat. When that claim is denied, it can create financial challenges and make you feel like you have been taken advantage of. Know your rights when a long-term disability claim is denied. Find out how you can use the ERISA rules to protect yourself, and your family, and get the benefits you need. Continue reading

Clipboard with multiple sclerosis written on it.If you have been diagnosed with MS, it may be a question of when, not if, you will have to stop working. However, the nature of the disease and its symptoms can make getting multiple sclerosis long-term disability benefits difficult. Find out what you and your doctors need to know to receive the benefits you need when you can no longer work.

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Union Meeting Including Disabled Worker in Wheelchair Union representatives can be an important ally at work. They can negotiate on your behalf, help resolve workplace conflicts, and step in when a long-term disability threatens your employment. But if your employer benefits package includes union-funded long-term disability benefits, you may need to know how best to work with your union reps, and when to get your own independent attorney. Continue reading

Your long-term disability insurance (LTD) policy likely defines disability based on whether are able to perform your “own occupation” or “any occupation.” You probably want to know — and need to know — what the difference is between “own occupation” and “any occupation” in long-term disability insurance policies and what each term means. Those provisions will determine whether you are disabled and entitled to benefits.

Our discussion below centers on provisions that typical in many long-term disability insurance policies. Your own entitlement to benefits will be based entirely on the provisions contained in your policy. If you need assistance in understanding the provisions in your own policy or have questions about your policy, you should discuss your policy and circumstances with an attorney experienced in long-term disability insurance issues. Continue reading

If you suffer from chronic pain, you know well that the pain, itself, is not your only problem. The pain may prevent you from exercising, from taking care of your home and family, and — importantly — from doing your job. But these limitations from pain are only part of the story. The other problem chronic pain sufferers often face is that doctors, employers and others may not believe how bad the pain is. There is, after all, no simple way to measure your experience of pain. This can reasonably make you worry that you will not be able to get time off work or disability benefits for chronic pain. Continue reading

Depression is one of the leading causes of disability in the United States. More than 16 million adults in the U.S. have suffered from at least one major depressive episode in the last year. Clinical depression is a mood disorder characterized by persistent feelings of sadness, hopelessness, and isolation so severe that it interferes with one’s daily life. Depression can also have accompanying physical symptoms such as fatigue, loss of appetite, and chronic pain. Depending on the severity, depression can be debilitating both mentally and physically, making it impossible to maintain a regular routine, such as going to work everyday. Continue reading

Checklist to Apply for Long Term-Disability BenefitsIf you are disabled from working, you may well be depending on receiving long-term disability benefits (LTD benefits) through a policy provided by your employer. Knowing the right steps and timeframe in which to apply for LTD benefits can make all the difference in being approved for benefits when you need them most.

Depending on the policy, long-term disability insurance pays a percentage of your salary, typically 50 to 60 percent. The benefits last until you go back to work or for the maximum number of the years stated in the policy (either limited by the policy or near your retirement age). Continue reading

What would you do if an illness or injury left you disabled and unable to work for days, months, or ever again? Every year, thousands of people become disabled before they reach the age of retirement. Disability insurance offers benefits, usually based on a percentage of your salary, during the time you are unable to work. Many employees are aware that they receive health and retirement benefits through their employer, but fewer know if they have disability coverage, or what type of disability coverage they have. Continue reading