Insight into Long Term Disability Delays and How an Attorney Can Help Not being able to earn an income can be scary. If you or a loved one are cannot work due to an injury or medical condition, you have likely filed, or will soon be filing, an application for long-term disability insurance benefits. It …
Long Term Disability
How Do I Ask My Doctor for Disability?
According to the CDC, there are about 61 million adults in the United States that are living with some type of disability. That means 1 in 4 adults have some kind of disability, whether it be back problems, autoimmune disorders, heart diseases, vision impairment, or one of many other disabling medical conditions. Living with a …
Top 10 Reasons Your Long-Term Disability Claim Will Be Denied or Terminated
When applying for long-term disability (LTD) insurance benefits, you need to be aware that many claims are denied. Even if your disability insurance claim is initially approved, 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 …
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Long Term Disability for School Board Employees: Fight a Non-ERISA Denial
If you are a school board employee, you are likely covered by your county’s short term disability (STD) and long term disability (LTD) insurance plan. Disability insurance coverage is available to most individuals employed by public schools, such as teachers and janitorial staff, although there are certain requirements (such as working a certain number of …
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Top 10 Medical Conditions That Qualify for Long Term Disability in 2021
Long-term disability can happen to anyone, whether it be the result of genetic predisposition, environmental factors, random illness or injury. Those who suffer from disabling medical conditions might struggle to work at all after the disabling condition takes effect. Today, we discuss the top 10 medical conditions that qualify for long term disability in 2021. …
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5 Things You Need To Know About Long Term Disability and Knee Injuries
How Chronic Knee Pain Can Disrupt Your Life The gut-wrenching sound of a knee injury is a familiar sound for athletes. You may have witnessed a knee injury watching a professional basketball game. Knee injuries account for 50% of all injuries in athletes. But knee injuries don’t just happen under the lights in a large …
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Why It Is Important For Your Doctor To Write Up Your Functional Limitations
Your functional limitations are the most critical evidence for your long term disability claim. Your insurance company is interested in how your disability affects your ability to work. The insurance claim examiner (and an administrative law judge if your claim goes to court) will look for you to provide detailed doctor’s notes on activity limitations. …
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The Do’s and Don’ts of Traveling on Long Term Disability
You can still have a life that involves traveling when you have a long term disability. The insurance company may not like it, but being on long term disability doesn’t mean you are on house arrest. Traveling can be a little more complicated when you are receiving disability payments, but it is do-able with a …
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Do Insurance Companies Use Drones to Spy? Protect Yourself from Sneaky Surveillance
Do insurance companies use drones to spy? Yes. Drones are now on the rise as a new way to gather information and decrease the costs of long term disability insurance claim investigations. Why Do Insurance Companies Use Drones to Spy? Insurance companies have the duty of investigating disability insurance claims. Most insurance claims are legitimate …
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The Long Term Disability Process: From Application to Approved
Before you apply for long term disability benefits, it is helpful to know how the process will work. After you have exhausted your short term disability benefits (this is usually a requirement), you can apply for long term disability benefits. In this article, we walk you through the long term disability process from application to award. 7 …
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