Union representatives can be an important ally at work. They can negotiate on your behalf, help resolve workplace conflicts, and step in when a long-term disability threatens your employment. But if your employer benefits package includes union-funded long-term disability benefits, you may need to know how best to work with your union reps, and when […]
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Long Term Disability Benefits Denied or Terminated? How to Appeal
You employer-provided long term disability insurance is supposed to cover you when your mental or physical condition makes it impossible to work. But actually receiving benefits can often be challenging. Find out how to appeal if you have had your long term disability benefits denied or terminated. This blog post will address the appeals process […]
Continue ReadingEhlers-Danlos Syndrome and Disability Benefits
Social Security Disability Insurance for Ehlers-Danlos Syndrome Ehlers-Danlos syndrome “EDS” describes a few genetic (typically caused by a genetic mutation) conditions that cause a number of problems. The mutation is usually found in the genetic code that regulates the body’s collagen, which is responsible for connective tissue in the joints and throughout the body. Because […]
Continue ReadingQuick rundown of SSR 18-3p: Failure to Follow Prescribed Treatment
In this brief video, I talk about a new ruling Social Security published on October 30, 2018, making it harder for people struggling to follow their doctors’ treatment advice to obtain disability. The key takeaway – if a doctor prescribes treatment, it’s critical that you talk to that doctor if, for any reason, you can’t […]
Continue ReadingWhat Is the Difference between “Own Occupation” and “Any Occupation” in Long-Term Disability Insurance Policies?
Your long-term disability insurance (LTD) policy likely defines disability based on whether are able to perform your “own occupation” or “any occupation.” You probably want to know — and need to know — what the difference is between “own occupation” and “any occupation” in long-term disability insurance policies and what each term means. Those provisions […]
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