Once you have filed a claim for workers’ compensation in New Jersey, there is a possibility that the insurance company handling the claim on behalf of your employer will hire a private investigator. As the insurance company gathers evidence through official channels, such as requesting reports from your doctor, the investigator may perform surveillance on […]
Continue ReadingHow Does the VA Rate PTSD?
In recent years, the impact of trauma on our lives has become a hot topic. More than ever before, experts and laypeople alike have recognized how conditions such as post-traumatic stress disorder (PTSD) can affect a person. This is particularly true for anyone who has served in the military. PTSD is incredibly common in veterans. […]
Continue ReadingLiberty Mutual Long-Term Disability Insurance Claims
The American Association for Justice (formerly the Association of Trial Lawyer of America) has named Liberty Mutual as the tenth worst insurance company in the United States. The report alleged that Liberty Mutual has adopted a policy of denying, delaying and defending claims rather than simply paying policyholders what they are owed. In addition, Liberty […]
Continue Reading24 Month Termination of Long-Term Disability Benefits
A long-term disability (LTD) insurance policy can be a crucial way to protect yourself financially in the event that you are unable to work due to a disability. These types of policies provide a monthly benefit — typically between 50 to 60% of your salary — while you cannot work because of a physical or […]
Continue ReadingDisability Benefits for the Self-Employed
There are many benefits to being self-employed, such as the ability to set your own schedule, being your own boss, and the potential to reap financial rewards for your hard work and innovation. However, working for yourself can also be risky. In many cases, the entire business model rests on your shoulders — which may […]
Continue ReadingLincoln Financial Long-Term Disability Claims
Long-term disability (LTD) insurance is a particular type of policy, offering benefits in the event that you are unable to work for an extended period of time due to a disability. It can offer a financial safety net during a stressful period of time. Yet when a major insurance company, such as Lincoln Financial, unfairly […]
Continue ReadingCan You Get Short-Term or Temporary Disability Benefits?
A short-term disability does not qualify as a disability for either SSDI or SSI benefits. But you do have other options. The Social Security Administration (SSA) has two disability programs that offer benefits to individuals with disabilities: SSDI pays benefits to individuals with disabilities and certain members of their families if they have worked long […]
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 ReadingHow Does VA Disability Back Pay Work?
If you served in the military and suffered a disability as a result of your service, you may be entitled to benefits. The Department of Veterans Affairs (VA) provides disability benefits veterans who have a current illness or injury that either began or was made worse during their service. A veteran must have been discharged […]
Continue Reading2022 VA Disability Rates
Military service comes with many rewards — and its fair share of risks. For many veterans, service in a branch of the military leads to lifelong disability due to an illness or injury. If that disability was connected to their service, the Department of Veterans Affairs (VA) will typically pay benefits. Like many types of […]
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. […]
Continue ReadingHow Long Do Long-Term Disability Benefits Last?
While many of us would like to believe that we are infallible, the reality is that we are all human. No matter how healthy you may be, there is no guarantee that you will remain that way. In fact, approximately 25% of 20 year olds can expect to be out of work for at least […]
Continue ReadingDo Long-Term Disability Benefits Have to Be Paid Back If I Start Receiving Social Security?
If you become disabled due to an illness or injury, you may look to two different forms of benefits to support you financially while you are unable to work: long-term disability (LTD) insurance and Social Security disability insurance (SSDI). Each type of benefit has an important role to play for people with disabilities. Together, they […]
Continue ReadingWhat Medical Conditions Qualify for Long-Term Disability?
Long-term disability (LTD) insurance coverage is typically offered by your employer as part of a compensation package, although you can also purchase a plan directly from an insurance broker. LTD insurance protects you in the event of total or partial disability based on a qualifying condition through your policy. In short, if you are unable […]
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