Blogs
Should I Have LTD Coverage Through an ERISA-Governed Policy or a Private Policy?
There are significant differences between long-term disability policies that you purchase privately and those that you may receive as part of your benefits package from...
GPS While Driving
Every driver knows that using your cellphone while driving is a big no-no in California, unless you are utilizing a hands-free device.
Pre-Existing Conditions and LTD Insurance Policies
Many LTD insurance policies contain a pre-existing conditions clause. While the exact content and interpretation of this clause may vary from one plan to the...
Do Vocational Experts Make a Difference in LTD Claims?
When you are filing a claim for long-term disability benefits, you might think that all you need to submit to the insurance company is proof...
What is a Neuropsychological Evaluation?
Licensed clinical psychologists often conduct neuropsychological evaluations to determine if there are any neurological reasons why certain activities might be challenging for people, including the...
Critical Differences Between Short-Term and Long-Term Disability
Individuals can benefit from having both short-term and long-term disability coverage, which are designed to complement one another. Short-term disability benefits typically last about three...
NHTSA Report Shows Fatal Bicycle Accidents Increased in 2018
The National Highway Traffic Safety Administration (NHTSA) recently issued an overview of the fatal motor vehicle crashes that occurred nationwide in 2018. Motor vehicle accidents...
What is the Difference Between Objective and Subjective Medical Evidence?
Insurance companies often request “objective evidence” to support claims that an applicant is disabled and unable to work. The insurance adjusters reviewing these claims will...
Common Bicycle Accidents that Occur at Intersections
Most collisions between bicycles and motor vehicles occur in urban areas, and a good number of them occur at intersections. Both bikes and motor vehicles...
What Role Does My Employer Play in My Long-Term Disability Benefits Claim?
Employers are not required to provide long-term disability coverage to their employees, but about half of large and mid-sized employers do offer it for their...
Medical Costs from Bicycle Accidents Continue to Rise
As bicycling continues to grow in popularity as a sport, a family-friend activity, and transportation, it is no surprise that the costs of medical care...
Social Security Disability Offsets on my LTD plan –What if the Dates of Disability are Different?
The Social Security Administration and your long-term disability insurance company typically use different definitions of disability to determine whether you are entitled to benefits. As...