Personal accident insurance vs Long Term Disability insurance is a comparison many people explore when evaluating how to protect their income in the event of an injury or illness. While both offer important benefits, they serve very different purposes. Understanding the difference can help you choose the right coverage—or combination of coverage—to support your financial [...]
Is traumatic brain injury considered a disability? Learn how TBI can qualify for Long Term Disability and how a TBI Long Term Disability attorney can help you pursue the benefits you deserve. A traumatic brain injury (TBI) can be life-changing. Whether caused by a car accident, fall, or sports injury, TBIs often result in long-lasting [...]
Who pays health insurance while on Long Term Disability? There are several potential scenarios, and the answer often depends on your employer’s policies, your group benefits plan terms, and whether you qualify for continued coverage under COBRA or another program. When someone becomes too sick or injured to work, Long Term Disability (LTD) benefits can [...]
Dealing with a Long Term Disability insurance denial can be frustrating. Keep these tips in mind before starting an appeal. When a Long Term Disability (LTD) claim is denied, it can leave you feeling overwhelmed and unsure of what to do next. After months or even years of working hard and planning for the unexpected, [...]
Dealing with a back injury and disability can be challenging. If your application has been denied, it is time to get help from an experienced Long Term Disability attorney. A back injury can be debilitating, making working and maintaining financial stability impossible. Unfortunately, securing disability benefits for a back injury is often challenging, as many [...]
If you have a pre-existing health issue, you may wonder can Long Term Disability be denied for pre-existing conditions. Our team breaks down some policy traps that you should be aware of. Long Term Disability (LTD) insurance provides financial protection when an illness or injury prevents you from working. However, many policyholders face unexpected denials [...]
Why are fibromyalgia Long Term Disability claims often denied by insurance companies? An experienced LTD attorney can help you navigate the claims process and increase your chances of receiving the benefits you are entitled to. Fibromyalgia is a medical condition that causes chronic pain, fatigue, and cognitive challenges, making it difficult or impossible for many [...]
One issue that has come up in recent cases more often is the Long Term Disability soft tissue limitations in LTD claims under the Employee Retirement Income Security Act ("ERISA"). Insurance companies are pressing a two (2) year limit on benefits in claims involving such medical conditions. If the limitation is in the policy, they [...]
Sciatica is a painful and debilitating condition that can make working or performing daily tasks nearly impossible. If your Long Term Disability for sciatica claim has been denied, you still have options. For those affected by this health issue, Long Term Disability benefits are often essential for maintaining financial stability. Unfortunately, insurance companies frequently deny [...]
Asking, "When should I apply for Long Term Disability?" is a common concern. We provide the experienced guidance you need to make this critical decision and navigate the claims process effectively. At Herbert M. Hill, P.A., we are one of the few law firms dealing specifically with the questions arising when deciding to apply for [...]
