Long Term Disability

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Why do I need long term disability insurance?

It’s estimated that one in four people entering the workforce today will experience a disability lasting a year or more before they reach retirement age.  Many of those impacted are eligible for Social Security disability benefits, but Social Security disability insurance has many limitations.  First, it typically provides only 50% income replacement, and benefits are […]

What is the meaning of “regular occupation” in a disability insurance policy?

Most people assume that if they become unable to perform their usual work on account of sickness or injury, that they would qualify to receive benefits under their work-sponsored long-term disability insurance coverage. That may not be the case, though. In Nichols v. Reliance Standard Life Ins. Co., 2019 WL 2223614 (5th Cir. May 23, […]

Post-Traumatic Stress Disorder and LTD benefits

In recent years, there has been greater recognition of post-traumatic stress disorder, commonly referred to as PTSD. Many veterans returning from overseas conflicts experience PTSD, but the condition is not limited to former military. PTSD may occur following a significant injury or psychological shock and results in persistent mental or emotional distress. According to the […]