Applying for disability benefits can be a long and frustrating process. It typically takes the Social Security Administration (SSA) 3 to 5 months to make an initial determination on an application. If the initial appeal is denied, a Request for Reconsideration may take another 6 months. If the request for reconsideration is denied, then a […]
Continue ReadingShould You Sign That Long-Term Disability Insurance Policy Buyout?
Negotiating with your long-term disability insurance company doesn’t end when the adjuster agrees you are disabled. Dealing with ongoing disability assessments and claims forms can be a burden. So, when a long-term disability insurance policy buyout option arrives it might be tempting to sign the settlement agreement and be done with the insurance company forever. […]
Continue ReadingLong-Term Disability Claim Is Denied? Know Your Rights
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 […]
Continue ReadingNew ERISA Rules For Long-Term Disability Benefits Claim Process: What You Need to Know
Last year brought new ERISA rules for the long-term disability benefits claim process. If you have short- or long-term disability insurance in an ERISA plan, most of these changes affect your employer, giving employees more rights. Here’s what you should know about the new system. This blog post will provide an overview of the 2018 […]
Continue ReadingGetting Multiple Sclerosis Long-Term Disability Benefits
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 […]
Continue Reading