Long Term Disability

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Can I Apply for Long-Term Disability Benefits If Short-Term Disability Benefits Are Denied?

A common misconception among disability claimants is that you must apply for and receive short-term disability benefits to be eligible for long-term disability benefits. That seems logical but rarely is it true in practice. Most short-term and long-term disability plans are administered according to separate plan documents, and those plan […]

5 Steps to Applying for Long Term Disability Benefits

Dealing with a long-term illness or sudden disability can be a very stressful time. Deciding when to inform your employer and file for disability benefits can add additional stress. Before deciding when to apply for disability benefits, it is important to understand the first five steps to applying for LTD benefits and how to navigate this process […]

Has Your Short-Term or Long-Term Disability Benefits Claim Been Denied?

By definition, anyone who applies for short-term and long-term disability benefits is in a vulnerable situation. They are sick or injured and unable to work. And they are counting on their disability benefits to help meet their financial needs. Undeniably, it is unbearably hard to fight a debilitating illness or injury and battle with their insurance company at the same time […]