Long-Term Disability
If I Have a Disability that Requires My Employer to Provide Me with Reasonable Accommodations in the Workplace, Shouldn’t I Also Qualify for LTD Benefits?
While both long-term disability insurance policies and the American with Disabilities Act (ADA) provide definitions of disability, these definitions often are quite different. If an...
Do I Need an Attorney to File an Initial Long-Term Disability Claim?
While it may seem like you can handle filing an initial long-term disability claim on your own, it likely is in your best interests to...
How Does My Insurance Company Consider My “Education, Training, and Experience” in Evaluating My Long-Term Disability Claim?
In many long-term disability insurance policies, eligibility for benefits initially is based on your inability to perform the essential tasks of your “own occupation.” In...
Does My Long-Term Disability Policy Cover Non-Work Related Injuries?
Long-term disability insurance policies typically cover only injuries or illnesses are non-work related. The state worker’s compensation benefits system covers all work-related illnesses and injuries...
Why Is It So Important to Your Long-Term Disability Benefits to Follow Your Doctor’s Orders?
When you are seeking long-term disability benefits, your claim may be more effective if you get proper medical treatment and follow your doctor’s recommendations. If...
How Will My Retirement Affect My Long-Term Disability Benefits?
Some long-term disability benefit plans provide you with disability benefits until retirement. However, once you retire and begin getting Social Security retirement benefits, you generally...
What Are “Substantial and Material” Duties of My Own Occupation?
Long-term disability plans typically measure whether your medical condition prevents you from doing either your own occupation or any occupation. In some cases, the eligibility...
Practical Tips for Dealing with Your Insurance Company in Seeking Long-Term Disability Benefits
Your insurance company should accept the recommendation of your treating physician. However, your choice of doctor can affect the success of your long-term disability benefits...
Can I Get Punitive Damages if My Insurance Company Denies My Claim in Bad Faith?
Only select states, including the state of California, permit insureds to file claims against their insurance companies for denying their applications for short or long-term...
What are “Self-Reported Symptoms”?
Most employer-sponsored long-term disability plans contain numerous provisions that are not beneficial to the employees who are eligible to receive the benefits. For instance, the...
Only Four in Ten Americans Have Disability Insurance Coverage Through Employers
The Harris Poll on behalf of OneAmerica recently conducted a poll of American workers to determine if they had disability insurance coverage through their employers....
How Do I Know if a Disability is Long-Term?
Long-term disability insurance policies differ in determining when a disability becomes a “long-term” disability as opposed to “short-term” disability. In many cases, for instance, a...