Long Term Disability

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Job Abandonment or Disability?

Disabilities occur as the result of an accident or illness.  When trauma results in disability, the date of disability can usually be related to the date when the employee suffered an accidental injury. Disability due to illness, especially chronic illness, is more complicated, though. Most employees struggle to remain employed for as long as they […]

The Importance of Medical Records to a Disability Benefit Claim

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.