Long-Term Disability
Basic Steps to Take When Applying for LTD Benefits
Many individuals have both short-term and long-term disability benefits available to them through their employers, and others have purchased policies privately that provide them with...
Defining Your Occupation for an LTD Disability Claim
Defining your occupation can be key to your ability to be awarded long-term disability benefits. Especially if your eligibility for benefits is based on the...
Issues Related to LTD, Employment, and the Coronavirus
The COVID-19 pandemic has raised unprecedented questions about employment and long-term disability benefits. Although the CARES Act has put some safeguards into place for emergency...
How Could Working at Home During the COVID-19 Pandemic Impact My LTD Claim?
For some individuals, working at home during the COVID-19 pandemic is simply not an option. For others, however, particularly white-collar employees who work in an...
Claiming LTD Benefits for Coronavirus
The COVID-19 pandemic has dominated the news lately, causing many people to newly consider their own health and mortality. Although many individuals recover from the...
Can or Should I Get an LTD Policy During the Coronavirus Pandemic?
In these uncertain times, you may find it difficult to make decisions about your finances, including deciding whether specific expenses and purchases are justified. For...
Documenting Medical Conditions for Long-Term Disability Claims
Accurately and thoroughly documenting your medical conditions when you are applying for long-term disability claims is vital to the success of your claim. The most...
Am I Eligible for Attorney’s Fees if I Win My LTD Appeal?
Claimants who receive a denial of benefits under an ERISA-governed LTD plan must exhaust their administrative remedies by appealing the denial with the insurance company...
What Does a Plan Administrator Do?
The plan administrator is typically the entity or company that establishes the long-term disability benefits plan for employees under ERISA. Plan provisions may vary according...
What is the “full and fair review” that an ERISA plan administrator must provide me in the case of a denial of LTD benefits?
The Employee Retirement Income Security Act (ERISA) governs the administration of most long-term disability insurance plans. Under ERISA, if plan administrators deny a participant’s claim...
What Happens to My LTD Benefits if I Lose My Job?
Most individuals obtain long-term disability (LTD) benefits coverage through their employers, although some have coverage through individual policies that they have purchased. Under many LTD...
Can I File for Long-Term Disability Benefits Even if My Claim for Short-Term Disability Benefits is Denied?
Short-term disability benefits can be useful for employees who need to be off work due to a medical condition for a limited period. In the...