While you can apply for long-term disability (LTD) benefits on the basis of either physical or mental conditions that impair […]
Chronic Fatigue Syndrome and Long-Term Disability Claims
Chronic fatigue syndrome (CFS) causes individuals to suffer from severe fatigue of an unknown origin. No amount of rest or […]
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What is the “Deemed Exhausted” Rule?
The U.S. Department of Labor (DOL) recently modified some of the rules that govern long-term disability claims. One of the […]
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How Should I Handle an Independent Medical Exam?
When you apply for long-term disability benefits, most insurance policies provide that the insurance company can require you to undergo […]
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Negotiating Road Hazards While Cycling in California
Bicycling, whether for transportation or recreational purposes, can be hazardous at times, especially when certain road conditions make cycling more […]
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What is a Return to Work Incentive?
A return to work incentive or work incentive benefit is a common provision in many long-term disability plans. If you […]
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What Are the Tax Ramifications of Receiving Long-Term Disability Benefits?
When you are pursuing a claim for long-term disability (LTD) benefits, you may not stop and consider the tax consequences […]
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What if I Am Partially at Fault for a Bicycle Accident in Which I Am Injured?
Most personal injury claims rest on a finding of negligence, which occurs when individuals act with careless or reckless disregard […]
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How Do I Calculate What My Long-Term Disability Benefits Might Be?
Most long-term disability (LTD) benefits do not fully replace the wages that you were receiving at the time that your […]
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What is the Difference Between “Own Occupation” and “Any Occupation” Coverage?
When you apply for long-term disability (LTD) benefits through your ERISA-governed LTD insurance plan, you normally must prove that your […]
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