Eligibility for Long Term Disability Claims

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 …

Top 10 Reasons Your Long-Term Disability Claim Will Be Denied or TerminatedRead More

“My job is saying I must resign since I am filing for Long Term Disability and do not plan to return to work. Should I consider resigning due to a disability?” The simple answer is most likely “no.” In fact, if you resign, you will lose your long-term disability benefits altogether. Except for very few …

What No One Tells You About Resigning Due to a Disability and Stopping WorkRead More

Long Term Disability insurance policies are designed to help you financially when you are injured or out of work due to illness. If you are self-employed, you will purchase your long-term disability insurance policy from a broker or an agent. However, the majority of the workforce is a part of a group policy provided through …

Own Occupation vs Any Occupation: 2 Little-Known LTD Policy TermsRead More

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 policy. …

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

There are usually non-medical requirements 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 on your own, you …

What Are the Non-Medical Requirements for Long Term Disability?Read More

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

Sworn Statement with an Insurance Company AdjusterRead 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 are some …

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

In this article we explain how your occupation and education level affect your long term disability claim. 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 …

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