Eligibility for Long Term Disability Claims

If you have a long term disability policy through your employer or you have an individual policy that you purchased on your own, you may be able to receive disability benefits to replace most or part of your salary if you are unable to work. The first thing you need to do is read through your LTD …

When Is a Person Considered Disabled by a Long Term Disability Insurance Company?Read More

There may be some qualifying requirements to be eligible for long term disability insurance benefits, such as being a “full-time” employee. What You Need to Prove to Receive Benefits from Your Long Term Disability Policy If you have a long term disability policy through your employer or you have an individual policy that you purchased …

What Are the Non-Medical Requirements in a Long Term Disability Case?Read More

Question: I have been on long term disability benefits for the past 20 months. I recently received information from the insurance company regarding a “change in the definition” of disability and an “any occupation” review. What does this mean? Answer: This means that your disability claim is about to go through a process to prove …

Transitioning from Own Occupation to Any Occupation: How to Prepare For The “Change in Definition”Read More

As part of the claims process in reviewing your claim, the insurance company adjuster may want to schedule a “sworn statement” (sometimes called a recorded statement) with you. The statement may be arranged to take place on the phone or in-person via a “field visit”. Why does the insurance company want to take your statement? It …

Sworn Statement By Insurance Company AdjusterRead More

When receiving long term disability (LTD) benefits, you need to be aware that your insurance company can terminate – or cut-off – your benefits. If the insurance company decides that you are no longer disabled, they can reduce or terminate your benefits with very little notice. It’s always important to review your policy for reasons …

Reasons Why Long Term Disability Coverage Can Be CanceledRead More

You’re probably here today because the insurance company has denied your claim for long term disability benefits, saying that they’re denying you due to a pre-existing condition. What Does Pre-existing Mean? The pre-existing condition is going to be specifically defined in your policy. A page from an Aetna long term disability policy says: “No benefit is payable …

Pre-Existing Conditions in Long Term Disability Insurance ClaimsRead More

The differences between own occupation and any occupation can be technical and confusing. The insurance company will do whatever they can to muddy the waters and make claims harder to file to avoid payouts. In this article, we will break down the differences “own occupation” and “any occupation.” Own Occupation Own occupation refers to your …

Own Occupation vs. Any Occupation: What’s The Difference?Read More

Long term disability cases are heavily decided by the medical evidence that is provided as part of fulfilling your “proof of claim” or “proof of loss”. Medical evidence can be from many different doctors and can take time to gather. By providing the insurance company with sufficient and timely medical records, you are decreasing the …

Medical Requirements for Long Term DisabilityRead More

Reaching the Maximum Age for Benefits Age is a factor in most long term disability claims as most long term disability policies have an age limit. Most disability insurance policies end either at age 65 or at the claimant’s Social Security Normal Retirement Age – which currently ranges between 65 and 67 years old. There …

Is Age a Factor in Long Term Disability Claims?Read More

Occupation In some cases, the type of job you perform or the amount of education you have can affect whether you get LTD benefits. The differences between own occupation and any occupation can be technical and confusing. The insurance company will do whatever they can to muddy the waters and make claims harder to file to …

Does Your Occupation or Education Level Affect Your Long Term Disability Insurance Claim?Read More