Understanding own occupation vs any occupation is essential to protecting your Long Term Disability benefits and avoiding unexpected claim denials. The difference between own occupation vs any occupation is one of the most important concepts in Long Term Disability insurance. This distinction often determines whether a claim is approved, denied, or terminated. Many claimants do [...]
Is vision impairment a disability under insurance policies? Learn how vision loss is evaluated for Long Term Disability claims and what evidence is needed to qualify. Questions about vision impairment are common for individuals whose eyesight affects their ability to work. Vision impairment can significantly limit daily activities, job performance, and long-term earning capacity, but [...]
Learn what conditions qualify for Long Term Disability, how insurers evaluate medical evidence, and what to do after a denial. Understand your rights and next steps. Understanding which conditions qualify for Long Term Disability benefits can be overwhelming, especially when facing health challenges. Most insurance policies decide claims based on functional limitations, not diagnosis alone. [...]
Learn how pre-disability earnings affect your Long Term Disability benefits. Understand the calculation, what counts as income, and how to maximize your LTD claim. When you file a Long Term Disability (LTD) claim, one of the first questions your insurance company will ask is: What were your pre-disability earnings? This figure plays a significant role [...]
How is Long Term Disability insurance different from health insurance? Understand coverage, benefits, and why both types of insurance are essential for financial protection. Many people assume that health insurance and Long Term Disability (LTD) insurance serve similar purposes, but that is not the case. Health insurance is intended to cover medical expenses, while Long [...]
Is Long Term Disability insurance worth it? Learn the benefits, pros and cons, and when LTD coverage is necessary. Find out how a disability attorney can help if your claim is denied. If you have ever asked yourself, "Is Long Term Disability insurance worth it?" you are not alone. Many employees and professionals wonder whether [...]
Learn strategies for maximizing Long Term Disability benefits and ensure you receive the full coverage to which you are entitled. Contact our Orlando attorneys for guidance on your claim. Getting Started With Your Claim Our law office is different from most, which handle Short Term Disability or Long Term Disability claims, [...]
Learn about the Long Term Disability burden of proof and how to properly document your claim. Get guidance to protect your Short and Long Term Disability benefits. There is one thing which is clear in every Short Term Disability and Long Term Disability insurance policy: the burden of proof is on the claimant. This is [...]
If you receive disability coverage through your employer, you may be wondering: How do I know if I have an ERISA plan? The Employee Retirement Income Security Act (ERISA) is a federal law that sets standards for most employer-sponsored benefit plans, including Long Term Disability (LTD), health insurance, and retirement plans. Knowing whether your plan [...]
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 [...]
