26% of all Americans have some type of disability. In some cases, these disabilities are severe enough that a person is unable to work. Short and long-term disability insurance and Social Security disability benefits can provide financial stability in the event you cannot work because of an injury or illness. Being approved for long-term disability […]
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MassMutual Disability Claim Denied
Most of us don’t plan to get injured or develop a chronic illness. Unfortunately, disability can and does happen to anyone. According to one study, 1 in 4 of today’s 20-year-olds can expect to be out of work for at least a year due to a disabling condition. If you have a long-term disability (LTD) […]
Continue ReadingNorthwestern Mutual Claim Denied
Northwestern Mutual is a massive insurance company that offers a variety of insurance policies, including life insurance, long-term disability, and short-term disability insurance. As a mutual company, it is owned by policyholders rather than shareholders. That doesn’t mean it isn’t profit-driven, however; in 2021 alone, its revenue was $34 billion. If you have a disability […]
Continue ReadingSocial Security Disability Reviews After Age 50
The process of applying for Social Security disability benefits through the Social Security Administration (SSA) can be a long, complicated process. Even people with severe impairments may struggle to qualify for benefits, given the requirements set forth by the SSA. Under the regulations, an applicant must not only prove that they are disabled or have […]
Continue ReadingWhat To Know About the NFL Players’ Disability Lawsuits
We learned this week that a group of former NFL players has sued the league based on an alleged pattern of denying disability benefits for both physical and psychiatric limitations. Living in the world of disability law, this doesn’t sound surprising, since it’s what I handle every day against the government and private and employer-sponsored […]
Continue ReadingDisability Without Work History
If you are unable to work due to a disability, then you may be eligible for disability benefits from the Social Security Administration (SSA). Depending on your situation, you may qualify for Social Security Disability Insurance (SSDI) and/or Supplemental Security Income (SSI). Generally, to be approved for SSDI, you will need to demonstrate that you […]
Continue ReadingCan You Collect Social Security and Long-Term Disability?
If you are unable to work due to an impairment, you may have several options for receiving monthly disability benefits. Disability programs offered by the federal government and private insurers offer an important safety net for anyone who suffers a medical condition or mental health impairment that affects their ability to work. There are specific […]
Continue ReadingWhat is Substantial Gainful Activity?
When you apply for Social Security Administration (SSA) disability benefits, your eligibility depends on whether you meet the following criteria: You have a physical or mental impairment that is expected to last at least 12 months. Your medical condition prevents you from carrying out ‘substantial gainful activity’ (SGA) during that time. As disability lawyers, we […]
Continue ReadingCan You Get SSI and SSDI Disability Benefits?
If you have a medical condition that prevents you from working, you will probably apply for one of two federal programs: Social Security Disability Insurance (SSDI) or Supplemental Security Income (SSI). Their respective eligibility requirements are different, but they share an important purpose: helping disabled individuals access the financial resources and medical care they need. […]
Continue ReadingHow Much Does Long-Term Disability Pay?
The purpose of long-term disability insurance is to provide financial assistance to plan members who can’t work due to a medical condition. If you are covered by an employer-sponsored plan, the monthly long-term disability (LTD) benefits payable are based on a percentage of your pre-disability wages or salary and may be paid until you reach […]
Continue ReadingGoing From Short Term Disability to Long Term Disability
Disability insurance is meant to protect employees who suffer an unexpected illness or accidental injury. These policies pay benefits when a physical or mental impairment prevents them from working for an extended period, with benefits being available on a short- or long-term basis. Short-term disability insurance (STD) typically covers conditions such as recovery from pregnancy, […]
Continue ReadingHow to Apply for Social Security Benefits for My Child
You need as much financial support as you can if you have a disabled child. The cost of treatment and medicine can be high, as well as the cost of childcare. If you work fewer hours in order to care for your child, you may find it difficult to afford these costs while still providing […]
Continue ReadingSocial Security Disability Benefits for Liver Disease or Cirrhosis
If you are unable to work due to a disability, then you may qualify for disability benefits from the Social Security Administration (SSA). Specifically, based on your specific circumstances, you may be eligible for Social Security Disability Insurance (SSDI) and/or Supplemental Security Income (SSI). An individual may qualify for SSDI and/or SSI for any number […]
Continue ReadingDisability Reconsideration Denied – Next Steps
If you are unable to work due to a disability, then you may be eligible for Social Security disability benefits. The Social Security Administration (SSA) offers two kinds of disability benefits: Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). Depending on your situation, you may qualify for one or both types of benefits. […]
Continue ReadingIs Cancer Considered a Disability?
Americans who can’t work because of a medical condition may be eligible for disability benefits from the Social Security Administration (SSA). To qualify for these benefits, however, you must meet the standards set forth for Social Security Disability Insurance (SSDI) and/or Supplemental Security Income (SSI). This includes proving that your medical or mental health condition […]
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