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 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 […]
Continue ReadingUnum Disability Claim Denials
Disability insurance can be incredibly important. This type of policy, offered in both short-term and long-term versions, provides benefits in the event that you are unable to work due to an illness or injury. Having disability insurance can remove the burden of financial stress at a time when you should be focusing on your health. […]
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