The Employment Retirement Security Act of 1974 (ERISA) was originally introduced to protect employee pensions. 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...
Imagine an illness where you seemingly never get better. That is what countless victims of long Covid experience on a daily basis. Diagnosed months, if not years ago, those suffering from this malady marathon are unable to make a living, if not enjoy life....
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...
You’ve worked extremely hard for years to provide for your family, but a long-term illness or injury now prevents you from performing your job duties. The physical symptoms lead to emotional and financial distress over lost income and making ends meet. If an...
According to the Centers for Disease Control and Prevention (CDC), 22 million U.S. workers are exposed to hazardous noise levels each year. Hearing loss ranks third in chronic conditions after high blood pressure and arthritis. The CDC says occupational hearing loss...
As chronic mental health disorders gain more legitimacy, people who suffer from especially crippling conditions are applying for long-term disability in greater numbers. The insurance industry often lags behind medical opinion but filing a successful long-term mental...