Although most people don’t have long-term disability insurance coverage, this coverage is arguably one of the most essential types of […]
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Distinguishing Between LTD Benefits, SSDI Benefits, and Workers’ Compensation Benefits
When you have a disabling injury or illness, and you no longer can work, there are three potential means of […]
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Can I Appeal My Denial of LTD Benefits in State or Federal Court?
Most employer-provided long-term disability benefits are subject to ERISA, or the Employee Retirement Income Security Act of 1974. ERISA is […]
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What Amount of LTD Benefits Will I Receive if My Claim is Approved?
Long-term disability or LTD benefits differ according to each policy. Generally, however, LTD benefits consist of a set percentage of […]
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Creating a Record During the Administrative LTD Benefits Appeal Process
Obtaining long-term disability benefits should be a straightforward process when your medical conditions keep you from working. Unfortunately, that is […]
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The Intersection Between Social Security Disability Benefits and Long-Term Disability Benefits
When you become disabled during your working years, you may be entitled to both Social Security disability benefits and long-term […]
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If I Receive Severance Pay from My Employer, Does It Affect My LTD Benefits?
Federal law does not generally require employers to offer severance packages to their employees. However, many employers do offer these […]
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How Long Will It Take Me to Get Long-Term Disability Benefits?
When you become disabled and file for long-term disability benefits, you may be wondering how long it will take you […]
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Do Long-Term Disability Insurance Policies Differ?
Long-term disability or LTD insurance policies can vary in various respects. First, the length of the elimination period can differ. […]
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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 […]
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