Long-Term Disability
How Long Does a Long-term Disability Last?
Depending on what your policy’s states, the duration of benefits you could recover through your policy varies. A lot of policies these days state that...
Dealing with the Denial of Your Long Term Care Insurance Claim
At Bonnici Law Group, we get lots of calls with questions on what to do after you get a denial letter from your long-term disability...
What is Long-Term Disability?
At Bonnici Law Group, a common question we get from clients is: what exactly does long term disability cover? Long term disability basically covers any...
Do I Need a Lawyer For Long Term Disability?
Filing for long term disability insurance can be a complicated and confusing process. Most applicants don’t know how to correctly fill out the necessary paperwork...
Is Long Term Disability Taxable?
Working with long term disability (LTD) can be baffling, and adding tax considerations into the mix won’t make it any easier. Long term disability is...
ERISA-Required Deadlines in LTD Claims
ERISA establishes various deadlines for filing for long-term disability claims and appealing denials of long-term disability benefits. Although the COVID-19 state of emergency has suspended...
What Kind of Medical Conditions Might Qualify Me for Long-Term Disability Benefits?
An accident that causes severe injuries may make you eligible to draw long-term disability benefits in some cases. However, various medical conditions also may qualify...
What is the Function of the Plan Administrator for My LTD Policy?
The plan administrator makes decisions on whether to approve or deny your claim for LTD benefits. Some insurance companies have their own claims departments that...
What is ERISA Preemption?
The Employee Retirement Income Security Act (ERISA) is a federal law that governs employee rights under employer-provided pension and insurance plans. As a result, ERISA...
What Are Some Common Reasons for Adverse Disability Determinations?
Insurance companies typically take every opportunity to deny your claim for long-term disability benefits, but some reasons for a denial occur more frequently than others....
When Will I Start Getting LTD Benefits?
Various factors affect how quickly you will begin getting LTD benefits if you are disabled and unable to work. First, most insurance policies have elimination...
Why Do I Need an Independent Medical Exam?
In many cases, an insurance company that provides long-term disability or LTD benefits will require that you undergo an independent medical examination (IME) before approving...