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 […]
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 […]
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 […]
Given social media’s significant presence in our everyday lives, it is not surprising that disability insurers aim to keep tabs on their disability benefit claimants and recipients. In fact, your receipt of disability benefits can be directly and negatively impacted by your social […]
Suppose you cannot work due to an illness or injury and are fortunate to have long-term disability coverage through your employer. In that case, you will want to do everything in your power to maximize your chances of getting your LTD application approved and minimize the disruption to your income […]
Long-term disability (“LTD”) insurers will sometimes conduct surveillance of benefit recipients and claimants to assess their ongoing entitlement to benefits. Disability insurers will look for video surveillance footage that captures physical activity inconsistent with the claimant’s alleged disability. Naturally, this can be a cause for concern and feel like […]