long-term disability benefits
What is a Transferable Skills Analysis (TSA) Report?
When you apply for long-term disability benefits, your insurance company often will require you to participate in specific examinations and assessments. The point of these...
If I Have a Disability that Requires My Employer to Provide Me with Reasonable Accommodations in the Workplace, Shouldn’t I Also Qualify for LTD Benefits?
While both long-term disability insurance policies and the American with Disabilities Act (ADA) provide definitions of disability, these definitions often are quite different. If an...
Why Is It So Important to Your Long-Term Disability Benefits to Follow Your Doctor’s Orders?
When you are seeking long-term disability benefits, your claim may be more effective if you get proper medical treatment and follow your doctor’s recommendations. If...
How Will My Retirement Affect My Long-Term Disability Benefits?
Some long-term disability benefit plans provide you with disability benefits until retirement. However, once you retire and begin getting Social Security retirement benefits, you generally...
What Are “Substantial and Material” Duties of My Own Occupation?
Long-term disability plans typically measure whether your medical condition prevents you from doing either your own occupation or any occupation. In some cases, the eligibility...
Practical Tips for Dealing with Your Insurance Company in Seeking Long-Term Disability Benefits
Your insurance company should accept the recommendation of your treating physician. However, your choice of doctor can affect the success of your long-term disability benefits...
How Do I Know if a Disability is Long-Term?
Long-term disability insurance policies differ in determining when a disability becomes a “long-term” disability as opposed to “short-term” disability. In many cases, for instance, a...
The Importance of Long-Term Disability Coverage
Long-term disability coverage pays a portion of your income if you are unable to work for an extended period due to illness or injury. Typically,...
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 are in the process of...
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 medical conditions make you unable...
Why Is It So Important to Know if My LTD Policy is an Individual or Group Policy?
Some people have access to long-term disability (LTD) insurance policies through their employers. Other people, who are perhaps self-employed or whose employers who do not...
What is the Difference Between Short-Term and Long-Term Disability Benefits?
Many employers offer short-term disability benefits, long-term disability benefits, or both to their employers. This coverage is designed to replace wages in part if employees...