One of the most important aspects of disability insurance is the elimination period. This period plays a crucial role in determining when you can start receiving insurance benefits. Disability insurance ...
An Attending Physician Statement (APS) plays a critical role when you’re filing a disability insurance claim for benefits. The APS provides detailed information to insurance companies about your medical condition ...
Living with a long-term medical condition that prevents you from working can be incredibly challenging. It often involves managing physical pain and discomfort along with emotional and financial stress from ...
The process of filing a long-term disability claim can be stressful and frustrating at an already difficult time. Managing deadlines, wading through complex jargon, and possibly even facing a denial ...
Anxiety and depression have been on the rise worldwide since the COVID-19 pandemic, which devastated public health and economic stability. Many of us are still feeling the effects of social ...
If you have paid for disability insurance for years, you should be entitled to long-term disability benefits when you need them. Unfortunately, your insurance company’s priority is profits, not people. ...
If your insurance company has denied your long-term disability claim, you have the right to appeal. Writing an effective appeal letter can significantly improve your chances of overturning the denial. ...
Long-term disability (LTD) insurance and Social Security Disability Insurance (SSDI) can both offer support to those who can’t work because of a disability. While both programs can provide critical financial ...
If you file a long-term disability claim through an employer-sponsored policy, ERISA law likely governs your claim. ERISA is a complex area of law that includes many regulations, strict deadlines, ...
When you’re coping with a disability, the world of disability programs can be overwhelming and confusing. It’s challenging to know where to start and what types of disability benefits are ...
When navigating the complexities of long-term disability insurance, you’ll encounter two categories of coverage: “own occupation” and “any occupation.” Your eligibility for benefits under your disability insurance policy will be ...