Living with Chronic Fatigue Syndrome (CFS), also known as myalgic encephalomyelitis (ME), can be an isolating and challenging journey. The debilitating symptoms can impact every aspect of life, making even simple tasks feel like insurmountable obstacles. […]
Many U.S. citizens and foreign nationals working abroad find themselves navigating the complex landscape of long-term disability (LTD) benefits. But does the ERISA law apply to U.S. residents living abroad or to non-U.S. residents living outside the United States? […]
Many veterans have incurred service-related disabilities while serving their country. While wounds, injuries, and illnesses incurred while in uniform can be severe enough to lead to the servicemember’s discharge, in many instances, the toll of a service-connected condition may not manifest until years later and may either be the reason for a long-term disability insurance claim or a factor in such a claim. […]
Navigating the world of long-term disability insurance can be daunting, especially when it comes to understanding how insurers analyze an individual’s occupation. For many people, their occupation is not just a means of income but also a significant part of their identity. […]
Many disabling medical conditions can be verified by objective testing measures, such as an MRI x-ray, or EMG. However, there are also a number of conditions that cannot be objectively measured. […]
When a person is unable to work due to a disabling injury or medical condition, obtaining benefits under an individual disability income insurance (IDI) policy or a group long-term disability (LTD) insurance policy is of a major concern for financial stability. The claims process is often foreign for disabled claimants. Filling out the forms and continuing to receive medical tests and treatment often seem like the only steps a person needs to take to obtain LTD benefits for a valid claim.