Long-Term Disability
Do Vocational Experts Make a Difference in LTD Claims?
When you are filing a claim for long-term disability benefits, you might think that all you need to submit to the insurance company is proof...
What is a Neuropsychological Evaluation?
Licensed clinical psychologists often conduct neuropsychological evaluations to determine if there are any neurological reasons why certain activities might be challenging for people, including the...
Critical Differences Between Short-Term and Long-Term Disability
Individuals can benefit from having both short-term and long-term disability coverage, which are designed to complement one another. Short-term disability benefits typically last about three...
What is the Difference Between Objective and Subjective Medical Evidence?
Insurance companies often request “objective evidence” to support claims that an applicant is disabled and unable to work. The insurance adjusters reviewing these claims will...
What Role Does My Employer Play in My Long-Term Disability Benefits Claim?
Employers are not required to provide long-term disability coverage to their employees, but about half of large and mid-sized employers do offer it for their...
Social Security Disability Offsets on my LTD plan –What if the Dates of Disability are Different?
The Social Security Administration and your long-term disability insurance company typically use different definitions of disability to determine whether you are entitled to benefits. As...
If I Refuse to Undergo Doctor-Recommended Treatment, Will It Hurt My LTD Claim?
Proving that you are disabled and eligible for long-term disability benefits is not always as easy as you might assume. You typically must provide medical...
What Does Long-Term Disability Insurance Cover?
The coverage that a long-term disability insurance policy offers depends on the definition of disability that the policy contains. Generally, disability benefits become available when...
If My Claim for LTD Benefits is Approved, Will I Automatically Receive Benefits for the Maximum Benefit Term?
Long-term disability benefits, unlike auto insurance or life insurance benefits, typically are paid out in installments over time. The length of the period during which...
If I File a Claim for Long-Term Disability Benefits, Will the Insurance Company Contact My Friends and Family Members?
When you file a claim for long-term disability benefits, you may submit statements by close friends and relatives that explain the symptoms of your medical...
How Much Does My Treating Physician’s Opinion Matter in an LTD Claim?
You might think that your physician’s opinion about your medical opinion and your ability to work would be a crucial factor in a decision on...
Can I Get a Jury Trial When I Appeal the Denial of Long-Term Disability Insurance Benefits?
You always should determine whether your long-term disability plan is an individual long-term disability insurance policy or an employer-sponsored plan that is governed by ERISA....