Blogs
How Long Does It Take to Get Long-Term Disability Benefits?
There is no standard length of time that it takes to complete a successful claim for long-term disability benefits. Factors such as the provisions of...
What Do I Do if I Am Injured in a Bike Accident by a Driver Who Has No Insurance?
If you are injured in a bike accident caused by a negligent driver, you expect that you will be able to look to that driver...
Commonly Required Types of Long-Term Disability Application Forms
Employer-sponsored long-term disability plans normally must follow ERISA, a federal law that provides certain standardized requirements and procedures for these plans. Although ERISA does not...
What is Residual Functional Capacity?
Residual functional capacity (RFC) is a term that the Social Security Administration (SSA) uses to help assess a person’s eligibility for Social Security Disability benefits....
What is the Self-Reported Symptoms Limitation in ERISA-Governed LTD Claims?
Some long-term disability insurance policies contain provisions that limit coverage if the claimants do not meet certain criteria. One example of such a provision is...
Avoiding Bicycle-Motor Vehicle Collisions
When you are riding a bicycle, motor vehicle accidents are no joke. Bicyclists have few protections against much larger, heavier, and faster motor vehicles. The...
The Top Ten Causes of Disability
According to a recent article in Employee Benefit News, Unum completed a 10-year review of disability claims in order to determine the top ten medical...
Can I Just Appeal the Denial of My Long-Term Disability Claim Myself?
You always have the option of handling your long-term disability claim on your own, but even one simple mistake can mean the difference between a...
Bicycle Accident Victim Discovers that Sole SF Trauma Center Does Not Accept Private Insurance
When a 24-year-old San Francisco woman had a bicycle accident last year that resulted in a broken arm, a helpful bystander called 911. An ambulance...
What Types of Medical Conditions Are Most Likely Lead to Long-Term Disability Claims?
While various medical conditions can lead to long-term disability, there are some medical conditions that are more common than others in causing disability. According to...
What Are Preexisting Condition Exclusions in LTD Insurance Policies?
Most employer-sponsored group long-term disability policies will contain an exclusion for any preexisting medical conditions. This means that if employees become unable to work due...
What Should I Do Following a Bicycle Accident?
Getting into a bicycle accident can be a frightening and painful experience. You may be unsure what to do first or how to ensure that...