When you’re unable to work due to a serious illness or injury, long-term disability (LTD) benefits can provide much-needed financial support during an incredibly challenging period. However, securing LTD benefits isn’t always straightforward or simple. Insurance companies are notorious for scrutinizing LTD claims, and the difference between approval and denial may come down to a […]
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Why So Many Long-Term Disability Claims Get Denied and What You Can Do
Long-term disability insurance exists to protect workers when illness or injury prevents them from earning a living. Yet despite paying premiums for years, many claimants face the frustrating reality of a denial of their long-term disability claim. Understanding why insurers reject long-term disability claims and how to strengthen your application can make the difference between […]
Continue ReadingAre There Any Medical Conditions That Automatically Qualify For Long-Term Disability Benefits?
Navigating the long-term disability benefits application process can be intimidating, especially when dealing with a serious medical condition. A common question asked by individuals is whether there are any medical conditions that “automatically” qualify for long-term disability benefits. The answer is that “automatic” approval is not a concept used in practice when insurance companies assess […]
Continue ReadingCan You Work Part-Time and Still Get Long-Term Disability Benefits?
Navigating the intersection of part-time work and long-term disability (LTD) benefits can be complex and challenging. In fact, the ambiguities around this issue often leave many individuals uncertain about their rights and options. It is important to note that earning income while maintaining disability benefits can vary widely depending on the following factors: Understanding these […]
Continue ReadingWas Your Long Term Disability Claim Denied? Here’s What To Do Next.
Receiving a denial letter from an insurer for your long term disability claim can feel devastating, especially when you’re already dealing with a serious health condition that prevents you from working. However, a denial does not mean the end of the road. Insurance companies often deny many legitimate claims initially, but may ultimately pay out […]
Continue ReadingMost Common Medical Conditions Eligible for Long-Term Disability
If you cannot work for an extended period of time due to a medical or mental health condition, then you may be able to claim financial benefits via a long-term disability insurance policy. Such policies are typically offered through employers as part of your overall benefits package. If your employer does not provide this coverage, […]
Continue ReadingSocial Security Offset for Long-Term Disability Claims: What You Need to Know
If you were diagnosed with a chronic illness or suffered a significant injury that left you disabled and unable to work, you may be eligible for long-term disability (“LTD”) benefits. Receiving LTD benefits means you get a percentage of your pre-disability income. However, these benefits come with a potential catch – there may very well […]
Continue ReadingDisability Benefits and Multiple Sclerosis
More than 2.9 million people worldwide have been diagnosed with Multiple Sclerosis (MS), including close to 1 million people in the United States. Disability benefits and Multiple Sclerosis are linked in that MS is considered a “qualifying disability” to receive disability benefits from the Social Security Administration (SSA). MS can also serve as the basis […]
Continue ReadingSuffering from a Disability? Why Honest Communication with Your Medical Providers Matters
Do You Need to Disclose All of Your Symptoms to Your Doctor or Medical Provider? Do you need to tell your doctor everything that is wrong with you? This might seem like a very ridiculous question, with a very obvious answer, – which is OF COURSE! Honest communication with your medical providers is crucial to […]
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 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 ReadingLong-Term Disability Eligibility Requirements
We buy insurance to protect us in case something bad happens: car insurance covers property damage and other losses in the event of an accident, health insurance covers medical treatment, and homeowners insurance pays for losses from fires and other disasters. In the same way, long-term disability insurance provides a financial safety net if you […]
Continue ReadingHartford Long-Term Disability Claims
The Hartford Financial Services Group, Inc. — most often referred to as The Hartford — is an investment and insurance company based in Hartford, Connecticut. Founded in 1810, it offers a range of insurance products, including both short and long-term disability insurance. In 2019, it had over $1.8 billion in profits and was ranked as […]
Continue ReadingSun Life Financial Long-Term Disability Claims
Sun Life Financial is one of the oldest insurance companies in the world. Founded in 1865, this Canadian company bases its U.S. operations out of Wellesley, Massachusetts. It has the sixth-largest group benefits business in the United States, serving more than 60,000 employers. Sun Life Financial offers a range of insurance products, including long-term disability […]
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