If you suffer from a severe illness or have an injury that interferes with your ability to work, you may need disability benefits. Whether you are applying for short-term disability (STD), long-term disability (LTD), or individual disability insurance (IDI) benefits, it is critical that your doctor(s) complete specific paperwork to support your claim. […]
Many physical and mental conditions can prevent an individual from working on a regular basis. That is particularly true of a number of digestive disorders. If you suffer from a digestive disorder and plan to file a disability claim, it’s important that you be aware of how insurance carriers address these types of claims. […]
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. […]
Both short-term and long-term disability claims are evaluated using a variety of factors to determine if an individual is eligible to receive benefits. […]
If you suffer from chronic pain, fatigue, and other symptoms severe enough to interfere with work, there is a good chance you also suffer from depression, anxiety, and other mental health problems. […]
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 […]