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What is a Return to Work Incentive?
A return to work incentive or work incentive benefit is [...]
What is the Difference Between “Own Occupation” and “Any Occupation” Coverage?
When you apply for long-term disability (LTD) benefits through your [...]
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 [...]
What is the Difference Between Short-Term and Long-Term Disability Benefits?
Many employers offer short-term disability benefits, long-term disability benefits, or [...]
Immediate Steps to Take When You Are Denied Long-Term Disability Benefits
When disability insurance companies deny claims for long-term disability benefits, [...]
Should I Use the Insurance Company’s Appeal Form if I Want to Appeal a Denial of Long-Term Disability Benefits?
If your insurance company has denied your claim for long-term [...]
Can I Go Ahead and File a Lawsuit to Get Long-Term Disability Benefits Instead of Appealing?
When you have a long-term disability benefits plan through your [...]
What is the Difference Between a Restriction and a Limitation for the Purposes of Long-Term Disability Benefits?
Both restrictions and limitations generally refer to the impact of [...]
How to Document Your Disabling Conditions for the Purposes of Long-Term Disability Benefits
Medical records are the core of any long-term disability claim; [...]
If My Doctor Writes a Letter Stating that I Am Disabled and Unable to Work, Will I Automatically Get My Disability Benefits?
A letter from your doctor won’t ever guarantee that you [...]