Regardless of your age, you’ve probably heard the phrase “suck it up” many times after suffering an injury -- unless it is obviously severe. That mindset is firmly ingrained in many of our brains. A strong work ethic will likely remain after suffering a disabling...
After enduring years of brutal contact during their NFL careers, 10 former players are suing the league over its disability plan, saying the system keeps them from getting adequate medical treatment. They filed the lawsuit three days before this year’s Super Bowl. The...
Insurance companies are widely known for taking their sweet time about paying benefits for any reason. How badly you and your family need those benefits isn’t their concern, and they’ll typically do whatever they can to deny or delay payments. But if your long-term...
Employers sometimes offer long-term disability insurance as part of a group benefits plan, which provides financial help if you suffer an injury or develop a disabling medical condition that prevents you from working. Suppose your employer offers a long-term...
The Employment Retirement Security Act of 1974 (ERISA) was originally introduced to protect employee retirement. But Congress later amended the law to include all worker benefits, including long-term disability plans provided by private employers. If you suffer a...
A debilitating injury or illness creates profound physical, financial and emotional stress, even when it’s covered under your employer’s long-term disability plan. And chances are good that the insurance company will deny your claim for benefits based on any...
Proving that you cannot work due to a physical injury can be challenging enough when filing a long-term disability claim. Insurers demand a mountain of evidence that the injury is debilitating. But proving a psychological or cognitive injury can be even more...
Cancer is one of the most common health conditions and a leading cause of death in the United States. However, if you are diagnosed with cancer, a long-term disability (LTD) claim will depend on the terms outlined in your employer’s policy and the severity of your...
Filing a claim under your employer’s long-term disability insurance plan can be a complicated and exhausting task. That’s especially true when an illness or injury renders you unable to earn a living. Combining lost income, mounting medical bills and day-to-day living...
Individuals with disabilities should qualify for benefits if their employer’s long-term disability plan covers their condition. Some severe injuries or illnesses cause permanent disabilities leaving no doubt a person can no longer perform their job duties. Other...
