Every disability insurance benefit claimant needs to have a doctor certify their disability to the insurance company as a condition of receiving disability benefits. Treating doctors fulfill a critical role in conveying information to the insurance company about the claimant’s diagnosis, treatment, and how their patient’s condition affects their ability to work. […]
Understanding the length of time you can receive disability benefits is crucial for financial planning and managing expectations. The length of time you can receive disability benefits is dependent on several factors which are all spelled out in your policy. […]
Living with Chronic Fatigue Syndrome (CFS), also known as myalgic encephalomyelitis (ME), can be an isolating and challenging journey. The debilitating symptoms can impact every aspect of life, making even simple tasks feel like insurmountable obstacles. […]
Many U.S. citizens and foreign nationals working abroad find themselves navigating the complex landscape of long-term disability (LTD) benefits. But does the ERISA law apply to U.S. residents living abroad or to non-U.S. residents living outside the United States? […]
Many veterans have incurred service-related disabilities while serving their country. While wounds, injuries, and illnesses incurred while in uniform can be severe enough to lead to the servicemember’s discharge, in many instances, the toll of a service-connected condition may not manifest until years later and may either be the reason for a long-term disability insurance claim or a factor in such a claim. […]
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 […]