Long-Term Disability
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 medical conditions make you unable...
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 whose employers who do not...
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 wages in part if employees...
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 that you have and the...
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 to file an appeal with...
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 they cover all employees of...
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 Employee Retirement Income Security Act...
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 and claims. There are a...
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 certain tasks or activities that...
What Are Some Key Provisions in LTD Benefit Plans?
In many cases, employees fail to take the time necessary to read the provisions of their long-term disability policies, or those related to other employee...
How to Document Your Disabling Conditions for the Purposes of Long-Term Disability Benefits
Medical records are the core of any long-term disability claim; leaving out any records produced by any medical provider can be highly damaging to your...
If My Doctor Writes a Letter Stating that I Am Disabled and Unable to Work, Will I Automatically Get My Disability Benefits?
A letter from your doctor won’t ever guarantee that you receive long-term disability benefits, but it can go a long way toward building a stronger...