Although frequently confused, Social Security Disability and Long Term Disability benefits and the entitlement thereto are entirely different claims which can be pursued in the event you are no longer able to work in your own or potentially any occupation. A claim for Social Security Disability benefits is made with the federal government through the [...]
Did you apply for LTD? We're sharing how long, on average, it takes for you to hear a response. After applying for or appealing a denial for Long Term Disability benefits, the wait to hear from the insurance company with a decision can seem like an eternity. The insurance company is allowed 45 days to [...]
Wondering about disability travel restrictions? We've just learned of the new policies covering this topic. This blog is prompted by one of the most egregious clauses I have ever discovered in a Short Term Disability or Long Term Disability Insurance Policy. Now, these policies in the past have addressed issues concerning travel while on disability. [...]
If you have been denied Long Term Disability benefits, you may be wondering whether to hire an LTD attorney to handle the appeal of that denial. While it is possible to handle the various appeals on your own, it is not advisable to do so. There are many pitfalls a layperson can overlook to the [...]
Apart from physical assets, it is hard to think of anything more valuable than your ability to continue the income stream you have generated thus far in your career. Becoming disabled represents a major change in anyone’s financial plan. Often people correctly plan for this by ensuring they have an insurance policy secured either as [...]
In this blog, we're sharing how to prove your disability to the Social Security Administration and what to do under a Short and/or Long Term Disability Policy. If you have become disabled from being able to work and the need to make a claim for benefits under Short Term, Long Term or Social Security Disability [...]
There are many things you should not say to your Long Term Disability Insurance Claims Representative. Here's what to avoid in order to obtain a successful claim. An individual or group long term disability insurance policy is purchased to protect your financial well being when an injury or illness renders you unable to perform the [...]
One thing which we always find startling is the answer we generally receive when we ask our clients how much they expect to receive when and if Social Security Disability are awarded. We need to have this information to assess the economic value of a client’s Long Term Disability benefits. Now, we are not primarily [...]
Whether or not you should continue paying for Long Term Disability Insurance Premiums is a question we get a lot. We're sharing the answer below. The question which routinely comes up for my clients with pending claims for Short Term or Long Term Disability benefits is whether to continue paying the premiums for the insurance. [...]
It is important to protect your income stream of disability benefits. You trusted through all your pre-disability years, as you were paying into a private or group Short Term or Long Term Disability plan, that in the event that an injury or illness should make you unable to work, you would be secure financially through [...]
