Long Term Disability

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The Role of the Treating Doctor in a Disability Insurance Claim

Every claim for disability insurance benefits requires the completion of three forms – the claimant’s statement, the employer’s statement, and the attending physician’s statement certifying the claimant’s disability. The claimant’s statement notifies the insurance company about what the claim is about and why the claimant is asserting an inability to work. […]

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 […]