Blogs
What Are Common Long-Term Disability Policy Exclusions?
Long-term disability insurance provides individuals with benefits when they are unable to work for a lengthy amount of time due to injury or illness. However,...
How to Read an Auto Insurance Declaration Page
Most auto insurance policies are lengthy, complicated, and written in legal language that consumers may not easily understand. As a result, few people bother to...
Is It Worth Paying for Long-Term Disability Insurance?
According to an NPR article, while about 65% of people surveyed believe that people should have long-term disability insurance, only about 48% of those people...
If I Miss the Deadline for an Administrative Appeal of the Denial of Long-Term Disability Benefits, Is It Enough for Me to Be in Substantial Compliance with the Deadline?
Most employer-sponsored long-term disability plans are subject to the ERISA, or the Employee Retirement Security Act. ERISA provides for precise and stringent deadlines on both...
What is the Difference Between Appealing Denials of Private Disability Benefits and ERISA-Governed Benefits?
Individuals may purchase private disability benefits policies, or their employers may offer disability insurance plans as a benefit of their employment. In most cases, employer-sponsored...
What is a Neuromusculoskeletal Limitation in an LTD Policy?
Some group long-term disability policies contain neuromusculoskeletal restrictions, which limit the duration of benefit payments for some related medical conditions, usually to 24 months. These...
Reviewing Your Long-Term Disability Coverage
Long-term disability benefits replace a portion of your income if a medical condition makes you unable to work for some period. Typically, these benefits replace...
What Remedies Are Available to Me if I Win My ERISA-Governed LTD Appeal in Court?
When you are denied long-term disability benefits under an ERISA-governed plan, you have the right to appeal that denial of benefits. Before you can file...
What Does a Denial of LTD Benefits Due to “No Objective Findings” Mean?
Many insurance companies in considering claims for long-term disability benefits will request “objective” evidence to support claims. Objective evidence is evidence that proves the existence...
How Does an Insurance Company Evaluate a Long-Term Disability Claim?
An insurance company considers various sources of information about your medical condition to decide if you are eligible for long-term disability benefits. When you apply...
The Best Bike Helmets to Protect Your Head While Cycling
According to a recent article in Popular Mechanics, choosing the proper helmet can be as important as selecting the appropriate bike for your situation. As...
Typical Forms to Submit in an Initial LTD Benefits Claim
All insurance companies offering long-term disability benefits require you to fill out various forms and submit specific information to determine your eligibility benefits. While these...