Most long-term disability (LTD) benefits do not fully replace the wages that you were receiving at the time that your […]
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What is the Difference Between “Own Occupation” and “Any Occupation” Coverage?
When you apply for long-term disability (LTD) benefits through your ERISA-governed LTD insurance plan, you normally must prove that your […]
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Why Is It So Important to Know if My LTD Policy is an Individual or Group Policy?
Some people have access to long-term disability (LTD) insurance policies through their employers. Other people, who are perhaps self-employed or […]
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What is the Difference Between Short-Term and Long-Term Disability Benefits?
Many employers offer short-term disability benefits, long-term disability benefits, or both to their employers. This coverage is designed to replace […]
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Immediate Steps to Take When You Are Denied Long-Term Disability Benefits
When disability insurance companies deny claims for long-term disability benefits, they typically send you a letter that outlines the rights […]
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Should I Use the Insurance Company’s Appeal Form if I Want to Appeal a Denial of Long-Term Disability Benefits?
If your insurance company has denied your claim for long-term disability benefits, your first step to challenge that denial is […]
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What is the Difference Between Group and Individual Long-Term Disability Policies?
Many individuals have access to long-term disability benefits through a plan offered by their employer. These are group plans, since […]
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Can I Go Ahead and File a Lawsuit to Get Long-Term Disability Benefits Instead of Appealing?
When you have a long-term disability benefits plan through your employer, it usually is subject to the terms of the […]
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What Does ERISA Have to Do With My Long-Term Disability Claim?
ERISA, or the Employee Retirement Income Security Act, is a federal law that governs most employee-sponsored long-term disability benefits policies […]
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What is the Difference Between a Restriction and a Limitation for the Purposes of Long-Term Disability Benefits?
Both restrictions and limitations generally refer to the impact of a medical condition or diagnosis on your ability to perform […]
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