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What are “Self-Reported Symptoms”?
Most employer-sponsored long-term disability plans contain numerous provisions that are [...]
Only Four in Ten Americans Have Disability Insurance Coverage Through Employers
The Harris Poll on behalf of OneAmerica recently conducted a [...]
How Do I Know if a Disability is Long-Term?
Long-term disability insurance policies differ in determining when a disability [...]
What is the Difference Between the De Novo and Abuse of Discretion Standards of Review?
When you have exhausted your internal or administrative appeals for [...]
Different Definitions of Disability in Long-Term Disability Insurance Policies
The term “disability,” as used in a long-term disability insurance [...]
Long-Term Disability Benefits for Cardiovascular Disorders
Cardiovascular disorders are a frequent source of individuals’ inability to [...]
The Importance of Long-Term Disability Coverage
Long-term disability coverage pays a portion of your income if [...]
Changes in the Taxability of Attorney’s Fees
Recent changes in the tax code have increased the taxability [...]
What Must an Insurance Company’s LTD Denial Letter Contain?
While ERISA always has required denial notices for long-term disability [...]
Documenting Mental Health Disabilities
While you can apply for long-term disability (LTD) benefits on [...]