Long-Term Disability
What NOT to Tell Your Long-Term Disability Insurance Adjuster
The job of long-term disability insurance adjusters is to evaluate claims and determine whether to approve or deny them. Adjusters consider a large amount of...
Improving Your Chances for ERISA Disability Claim Approval
Although ERISA-governed long-term disability benefits are a great benefit to have, they are not helpful to you unless you qualify for benefits. As a result,...
What Are Residual Disability Clauses?
Residual or partial disability refers to any medical condition that negatively impacts your ability to work, but it does not make you completely disabled. More...
Deadlines in Long-Term Disability Claims
All long-term disability plans have multiple deadlines. Those plans governed by ERISA, in particular, are subject to stringent deadlines for various aspects of claims and...
What Are the Differences Between “De Novo” and “Arbitrary and Capricious” Standard of Reviews?
Most long-term disability claims governed by ERISA contain a provision that gives the insurance company the final discretion whether to approve or deny a claim...
The Inherent Conflict of Interest for Long-Term Disability Insurers
Most individuals are unaware of the inherent conflict of interest that long-term disability companies have when they both administer their policies and pay out claims....
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...
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...