A Long Term Disability (LTD) insurance policy is designed to provide a safety net during unemployment due to a medical condition. The question always arises: Are my benefits taxable? Understanding LTD Policies and Taxation First, there are basically two (2) kinds of LTD policies: first, there is the private policy taken out and paid for [...]
Navigating the complexities of Long Term Disability (LTD) claims can be daunting, especially when facing an unexpected absence from work due to a medical condition. Seeking consultation from a Winter Park Long Term Disability attorney before initiating the application process can provide crucial insights into your rights and eligibility for benefits. I write about this [...]
A stroke can be a life-altering event, impacting one's physical health and the ability to work and maintain financial stability. For those facing the aftermath of a stroke, seeking Long Term Disability benefits under the Employee Retirement Income Security Act (ERISA) becomes a critical step in the journey toward recovery. In this blog, we'll explore [...]
Long Term Disability claims based on Celiac disease involve demonstrating the condition's impact on an individual's ability to work and perform daily activities. Our Rockledge Long Term Disability lawyer can help you through the claims process. Celiac disease is an autoimmune disorder triggered by ingesting gluten, a protein found in wheat, barley, and rye. The [...]
The calculation of Long Term Disability benefits involves a combination of factors that can vary depending on the specific terms of the insurance policy and the individual's circumstances. It is helpful to have a Winter Springs Long Term Disability lawyer assist with these calculations. In general, however, here is an overview of how Long Term [...]
This is a topic I have written about before, but how insurance companies handle Long Term Disability claims remains problematic. Generally, the following applies to group disability benefits policies, i.e., ones you secured as part of a group of employees. Gross Monthly Benefit A little background is in order. First, in determining the amount of [...]
Long Term Disability cases from around the country offer insight into arbitrary and capricious review in the court system. Here, we dissect one case and how it can impact your LTD claim. As part of my continuing legal education, I routinely review all cases that might impact the law as it applies to my clients [...]
The behavior of disability claims representatives in connection with Short Term Disability or Long Term Disability claims has been a source of great consternation and astonishment for my staff and myself over the years. What Is The Motivation? We have tried to figure out what motivates these claims representatives and the tactics we must use [...]
Listening is vital for respectful communication and empathy while understanding others is more valuable than seeking to be understood. Every Long Term Disability law firm should remember that. “...to understand rather than be understood...” The above comes from a prayer attributed to St. Francis. It is a great prayer that sets forth laudable high standards [...]
One thing which drives many people into my office is the constant unreasonable demands made by claims representatives about Florida LTD policy claims. These claims representatives, who are grossly overworked, get behind on their files. Then try to catch up by demanding you provide documentation immediately. Now, your obligation as the claimant is to provide [...]
