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 […]
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Disability 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 […]
Continue ReadingDoes Long-Term Disability Continue After Termination?
A disability insurance policy can be an incredibly valuable part of your overall financial strategy. These types of policies cover both short and long-term disabilities that may limit your ability to work. With 61 million adults living with a disability in the United States, this type of coverage can be crucial in providing financial stability […]
Continue ReadingMetLife Disability Claim Denials
Disability insurance is a smart option for anyone looking to hedge against uncertainty. Available for both short-term and long-term disabilities, this type of policy will provide benefits in the event that you are unable to work due to a physical or mental health condition. Unfortunately, claims for disability benefits are often denied — including by […]
Continue ReadingHow Long Do Short-Term Disability Benefits Last?
Many of us start our working lives believing that we are invincible. Blessed to be relatively healthy, we may not consider the need for any type of protection from injury or illness. This type of positivity typically only lasts until something bad occurs either to us or to a loved one. That’s where short-term disability […]
Continue ReadingCan You Work While Collecting Disability Income Benefits?
If you are unable to work due to a medical or mental health condition, you may be entitled to benefits under a long-term disability insurance policy. But what if you want to do some kind of work while you are on disability? Would doing so lead to your benefits being terminated? What Happens if I am […]
Continue ReadingCan Long-Term Disability Claims Be Denied for Pre-Existing Conditions
When you get coverage for long-term disabilities for pre-existing conditions from an insurance company, you probably assume that you will be awarded benefits if you are unable to work due to a disability. After all, that is the whole point of this type of policy — to provide compensation to individuals who cannot work because […]
Continue ReadingExpectations on time-line in long-term disability claims
The Employee Retirement Income Security Act (ERISA) is a federal law that controls employee benefits, including group long-term disability policies. ERISA provides that you have 180 days from the date you receive an adverse decision (a denial or termination) to file an appeal. Hiring an attorney When you hire an attorney to handle your appeal, […]
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