After making the difficult decision to cease working due to significant medical impairments, you decided to submit a claim for long-term disability (“LTD”) benefits through your employer-sponsored disability insurer. However, your insurer sent you a letter indicating that it has denied your application […]
If you file a disability claim, you will need to provide your insurer with sufficient proof of loss before any benefits are payable. Therefore, it is critical to understand what exactly proof of loss in a disability insurance claim to be sure that you get the disability benefits to which you are entitled. […]
If your plan is to file for disability benefits through your employer, there are a number of steps you must take to make sure that you provide your disability insurer with proof sufficient to demonstrate your inability to work. One of those steps is to obtain […]
Fibromyalgia is a common yet often misunderstood medical condition that affects approximately four million Americans. Fibromyalgia can be particularly complex within the context of disability benefits. If you are unable to work due to fibromyalgia symptoms […]
To receive long-term disability (“LTD”) benefits, a claimant must first demonstrate that they satisfy their policy’s elimination period. Therefore, understanding your policy’s elimination period is important because your receipt of LTD benefits is preconditioned on your satisfaction with that elimination period […]