Blogs
Should I Take a Buyout of My Long-Term Disability Insurance Benefits?
When you qualify for long-term disability benefits due to your inability to work, you typically receive monthly benefits equivalent to a specific percentage of your...
Claimant, Physician, and Employer Statements in Long-Term Disability Claims
As you apply for long-term disability benefits, you will encounter various forms that you and others must fill out and return to your insurance company....
Sedentary Occupations and the Denial of Long-Term Disability Insurance Claims
Sedentary occupations, by their nature, typically require individuals to sit for most of their day at work, with only brief periods of standing or walking....
Why is My Insurer Requiring Me to Have an Independent Medical Examination?
Many long-term disability contracts require that you undergo an independent medical examination (IME) as a condition of qualifying for or continuing to receive benefits. The...
What’s the Difference Between Long-Term Care Insurance and Long-Term Disability Insurance?
Long-term disability insurance may be available as a group policy through your employer or a private individual plan that you purchase on your own. The...
Bicycle Vanity License Plate Supports California Cycling Programs
The Nutrition Education Obesity Prevention Branch of the California Department of Public Health (CDPH) has introduced a new vanity license plate displaying a bicycle theme....
What are Material and Substantial Duties in a Long-Term Disability Insurance Claim?
When evaluating the eligibility of individuals for long-term disability benefits, insurance companies often must determine whether those individuals can carry out the material and substantial...
Is Riding in a Group of Bicyclists Safer than Riding Alone?
Individuals may differ on the safety of riding a bicyclist in a group as opposed to riding alone. However, some factors may make riding alone...
ERISA Rights of Applicants Who Have Been Denied Long-Term Disability Benefits
When workers apply for long-term disability benefits under their employer-sponsored LTD plans, the Employee Retirement Income Security Act or ERISA governs the application process, as...
Does ERISA Still Apply if I Leave My Employer but Maintain the Long-Term Disability Policy?
Many long-term disability insurance policies and most of those covered by ERISA are available only through your place of employment. As a result, when you...
Are There Time Limits on My Ability to Apply for Long-Term Disability Benefits?
All long-term disability insurance policies contain strict time limits on your ability to file for benefits under those policies. For ERISA-governed long-term disability policies, which...
How Keeping Medical Logs Can Help Prove Your Long-Term Disability Claims
One of the most effective ways to proactively plan for potential long-term disability claims is to keep personal medical logs of your medical treatment and...