Long Term Disability

The Importance of Medical Records to a Disability Benefit Claim

by Mark Debofsky | Jan 23, 2024 | Disability Insurance, Long Term Disability

When a person is unable to work due to a disabling injury or medical condition, obtaining benefits under an individual disability income insurance (IDI) policy or a group long-term disability (LTD) insurance policy is of a major concern for financial stability. The claims process is often foreign for disabled claimants. Filling out the forms and continuing to receive medical tests and treatment often seem like the only steps a person needs to take to obtain LTD benefits for a valid claim.

Understanding Disability Insurance Claims for Diabetes

by Matthew Maloney | Dec 26, 2023 | Disability Benefits, Disabling Medical Conditions, Long Term Disability, Short Term Disability

Diabetes, affecting roughly 38.4 million Americans or 11.6% of the U.S. population, is not just a health condition — it’s a reality that shapes lives. This number is further bolstered by the 97.6 million American adults, representing 38% of the adult population, who are living with pre-diabetes. […]

Cancer and Disability Insurance: What You Need to Know

by Martina Sherman | Oct 27, 2023 | Disability Benefits, Long Term Disability, Medical Conditions, Short Term Disability

For cancer patients, the battle against this formidable disease involves not just physical and emotional challenges, but also significant financial concerns […]

Understanding Clotting Disorders, Deep Vein Thrombosis, and Lymphedema: Causes, Symptoms, and Treatment

by Matthew Maloney | Sep 23, 2023 | Disability Insurance, Disabling Medical Conditions, Long Term Disability, Medical Conditions, Short Term Disability

Many different medical and psychiatric conditions can serve as the basis for a short-term or long-term disability claim. One such group of conditions is known as blood clotting disorders. Let’s delve into the intricacies of clotting disorders and disability claims. […]

Understanding Objective Medical Evidence in Disability Claims

by Martina Sherman | Aug 1, 2023 | Disability Benefits, Long Term Disability

Disability insurance is meant to provide financial protection to individuals who are unable to work due to a qualifying disability. To ensure fair assessments, insurers typically require claimants to provide “objective” medical evidence supporting their disability claims. […]

Does Employment Termination Following the Exhaustion of Family and Medical Leave also Terminate the Payment of Disability Benefits?

by Mark Debofsky | Jul 21, 2023 | Disability Benefits, Long Term Disability, Short Term Disability

“Can I still receive disability benefits if my employment is terminated after I’ve exhausted my Family and Medical Leave?” This is a common question we often receive from individuals navigating the complexities of employment, medical leave, and disability insurance. […]