If you suffer from chronic pain, you know well that the pain, itself, is not your only problem. The pain may prevent you from exercising, from taking care of your home and family, and — importantly — from doing your job. But these limitations from pain are only part of the story. The other problem […]
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Long-Term Disability Benefits for Depression — Claims and Limits
Depression is one of the leading causes of disability in the United States. More than 16 million adults in the U.S. have suffered from at least one major depressive episode in the last year. Clinical depression is a mood disorder characterized by persistent feelings of sadness, hopelessness, and isolation so severe that it interferes with one’s daily life. […]
Continue ReadingHow to Apply for Long Term-Disability Benefits
If you are disabled from working, you may well be depending on receiving long-term disability benefits (LTD benefits) through a policy provided by your employer. Knowing the right steps and timeframe in which to apply for LTD benefits can make all the difference in being approved for benefits when you need them most. Depending on […]
Continue ReadingWhat is ERISA And How Does it Affect My Disability Claim?
What would you do if an illness or injury left you disabled and unable to work for days, months, or ever again? Every year, thousands of people become disabled before they reach the age of retirement. Disability insurance offers benefits, usually based on a percentage of your salary, during the time you are unable to […]
Continue ReadingCommon denial tactics by insurance companies
Why are LTD disability claims usually terminated or denied? Every claim is decided individually, but long-term disability insurance companies often follow the same playbook when coming up with reasons to deny benefits. Finding a long term disability lawyer who knows that playbook can help you respond quickly and effectively to a wrongful denial of your […]
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