Long-Term Disability
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...
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...
What is a Residual Disability Benefit?
Residual disability benefits may be available when your medical condition prevents you from doing one or more of the essential duties of your job or...
Top Causes of Short and Long-Term Disability Claims
According to the Council for Disability Awareness, the most common causes of short-term disability claims include pregnancy, musculoskeletal disorders, digestive disorders, such as hernia and...
Common Terms Used in Long-Term Disability Plans
Trying to read your long-term disability policy can be like trying to read a different language altogether. Some of the terms that these policies use...
What is a Transferable Skills Analysis (TSA) Report?
When you apply for long-term disability benefits, your insurance company often will require you to participate in specific examinations and assessments. The point of these...