We buy insurance to protect us in case something bad happens: car insurance covers property damage and other losses in the event of an accident, health insurance covers medical treatment, and homeowners insurance pays for losses from fires and other disasters. In the same way, long-term disability insurance provides a financial safety net if you […]
Continue ReadingLong-Term Disability for Crohn’s Disease and Ulcerative Colitis
At some point in time, most of us have suffered from diarrhea, bloating, or an upset stomach. But for sufferers of inflammatory bowel disease, these symptoms are nearly constant — often making it difficult to live a normal life, let alone work. According to the Centers for Disease Control and Prevention (CDC), inflammatory bowel disease […]
Continue ReadingWhat Role Does a Vocational Expert Play in Disability Benefits?
If you are in the process of applying for disability benefits, you may be a bit confused by the entire system. Like most federal government agencies, the Social Security Administration (SSA) has an overwhelming number of rules, regulations — and acronyms. Understanding more about the system can help you as you go from initial application […]
Continue ReadingERISA Claims and Appeals Process & Procedures
If your employer offers long-term disability benefits, it will typically be covered by a federal law known as ERISA (Employee Retirement Income Security Act). ERISA sets minimum standards for benefit plans in the private sector, offering a number of protections for individuals enrolled in these plans. In addition to grievance procedures and appeals processes, ERISA […]
Continue ReadingWill Long-Term Disability Cover Pregnancy?
Pregnancy is an exciting time for anyone expecting a little one. It can also be scary and overwhelming, particularly for individuals with health issues. Pregnancy can put a lot of strain on a person’s body, leading to serious complications. Given the potential for complications both before and after pregnancy, it is not surprising that many […]
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