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 […]
If your long term disability (LTD) benefits are denied or terminated, the denial letter will include a discussion of your right to bring an appeal or lawsuit. A lawsuit might seem like a better option. After all (you may think), how likely is it that the insurance company will voluntarily overturn its decision to deny your benefits […]
If you have been receiving long-term disability (LTD) benefits for a while, and/or your medical condition is chronic and unlikely to improve, it is not uncommon to receive a letter from your LTD plan offering a lump sum settlement of your disability claim. Sometimes called a “policy buy-out,” these offers represent a calculated […]
Deciding disability benefit cases can be challenging for federal courts, but in Dwyer v. Unum Life Ins. Co. of Am., 2021 WL 2853250 (E.D. Pa. July 8), a federal judge in Pennsylvania was able to cut through the confusion and issue a decisive ruling in favor of the plaintiff […]
If you are unable to work due to disability and are fortunate to have long term disability insurance through your employer, you may not realize the importance of also applying for Social Security disability insurance. Or your LTD benefits may have been denied despite your ongoing receipt of SSDI benefits, prompting you to wonder how is that possible […]