Long-Term Disability
How Long Does It Take to Get Long-Term Disability Benefits?
There is no standard length of time that it takes to complete a successful claim for long-term disability benefits. Factors such as the provisions of...
Commonly Required Types of Long-Term Disability Application Forms
Employer-sponsored long-term disability plans normally must follow ERISA, a federal law that provides certain standardized requirements and procedures for these plans. Although ERISA does not...
What is Residual Functional Capacity?
Residual functional capacity (RFC) is a term that the Social Security Administration (SSA) uses to help assess a person’s eligibility for Social Security Disability benefits....
What is the Self-Reported Symptoms Limitation in ERISA-Governed LTD Claims?
Some long-term disability insurance policies contain provisions that limit coverage if the claimants do not meet certain criteria. One example of such a provision is...
The Top Ten Causes of Disability
According to a recent article in Employee Benefit News, Unum completed a 10-year review of disability claims in order to determine the top ten medical...
Can I Just Appeal the Denial of My Long-Term Disability Claim Myself?
You always have the option of handling your long-term disability claim on your own, but even one simple mistake can mean the difference between a...
What Types of Medical Conditions Are Most Likely Lead to Long-Term Disability Claims?
While various medical conditions can lead to long-term disability, there are some medical conditions that are more common than others in causing disability. According to...
What Are Preexisting Condition Exclusions in LTD Insurance Policies?
Most employer-sponsored group long-term disability policies will contain an exclusion for any preexisting medical conditions. This means that if employees become unable to work due...
What is a Vocational Assessment and How Does It Impact Long-Term Disability Benefits?
A vocational assessment consists of an evaluation of your education, background, and skills, the requirements and demands of your occupation and specific position, and the...
One in Four Adults Will Become Disabled During Their Careers
According to a recent news article, the Social Security Administration estimates that one in four workers will become disabled at some point during their working...
How Using Social Media Could Undermine Your LTD Claim
To deny long-term disability insurance claims, insurance companies need evidence to support their denials. One common source of this evidence comes from various surveillance activities...