Most long-term disability (LTD) policies have an elimination period (EP) – typically three to six months from the start of your disability – where no benefits are paid. Once the elimination period passes, you can generally qualify for a period of short-term...
There are a lot of steps between the time a treatment for a medical condition is first tested on human patients and the time it’s accepted as a medically proven treatment that insurers will generally cover under the policies they provide. In between those points in...
When you need to file a claim for ERISA disability benefits, a lot can rest on your doctor’s words – so having accurate, up-to-date medical records are important. Unfortunately, studies show that error rates in medical records are very high. One study indicated that...
Navigating the aftermath of a denied accidental death and dismemberment claim can be challenging, especially while experiencing grief and loss. Knowing the essential factors related to the appeal process can significantly assist you in advocating for your rightful...
Long-term disability claims are a critical safety net for individuals facing medical conditions that hinder their ability to work and lead a normal life. However, a recent court ruling, Murch v. Sun Life Assurance Co. of Canada, sheds light on the importance of fair...
Being disabled and wrongfully denied benefits is a hard pill for many to swallow. Various reasons exist for being turned down, particularly concerning insurance claims related to ERISA. While discouraging, applicants should know that the initial ruling is not the...
When you’re hurt or you’re sick, you expect your long-term disability (LTD) policy to cover you. After all, your doctor has agreed that you’re not currently able to work, and that’s why you have the policy in the first place, right? A lot of people who file long-term...
Not all doctors are created equal. Getting a diagnosis for a disabling condition could require you to visit more than one physician. Some conditions are rare and difficult to diagnose correctly. Other times, you might get examined by a doctor who lacks the experience,...
When you begin long-term disability coverage through your employer or a private policy, you might be perfectly healthy. But if you are like a lot of people, you begin coverage dealing with an injury, condition or illness that is arguably somewhat disabling, though you...
Employer-provided long-term disability benefits are insurance coverages employers may offer employees as part of their benefits package. Long-term disability benefits provide income replacement if an employee becomes disabled and cannot work for an extended period of...