long-term disability benefits
Immediate Steps to Take When You Are Denied Long-Term Disability Benefits
When disability insurance companies deny claims for long-term disability benefits, they typically send you a letter that outlines the rights that you have and the...
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 disability benefits, your first step to challenge that denial is to file an appeal with...
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 employer, it usually is subject to the terms of the Employee Retirement Income Security Act...
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 a medical condition or diagnosis on your ability to perform certain tasks or activities that...
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; leaving out any records produced by any medical provider can be highly damaging to your...
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 receive long-term disability benefits, but it can go a long way toward building a stronger...
How Long Does It Take to Get Long-Term Disability Benefits?
There is no standard length of time that it takes to complete a successful claim for long-term disability benefits. Factors such as the provisions of...
Commonly Required Types of Long-Term Disability Application Forms
Employer-sponsored long-term disability plans normally must follow ERISA, a federal law that provides certain standardized requirements and procedures for these plans. Although ERISA does not...
What Types of Medical Conditions Are Most Likely Lead to Long-Term Disability Claims?
While various medical conditions can lead to long-term disability, there are some medical conditions that are more common than others in causing disability. According to...
What Are Preexisting Condition Exclusions in LTD Insurance Policies?
Most employer-sponsored group long-term disability policies will contain an exclusion for any preexisting medical conditions. This means that if employees become unable to work due...
What is a Vocational Assessment and How Does It Impact Long-Term Disability Benefits?
A vocational assessment consists of an evaluation of your education, background, and skills, the requirements and demands of your occupation and specific position, and the...
One in Four Adults Will Become Disabled During Their Careers
According to a recent news article, the Social Security Administration estimates that one in four workers will become disabled at some point during their working...