Obtaining long-term disability coverage from your employer-provided insurance provider has never been easy. Unfortunately, it is even more difficult to obtain disability benefits for COVID, especially the long-term symptoms of COVID, often called long-COVID. We have...
Can you obtain long-term disability benefits for sleep apnea?
If you suffer from sleep apnea, you know how debilitating this condition can be. However, most people don’t know much about the condition; they think of it as little more than excessive snoring. Because of this, you might wonder whether you are eligible for...
Thousands of individuals have brain injury-linked disabilities
Traumatic brain injury (commonly termed as TBI) is a medical issue affecting many different areas of the affected person's body. TBI symptoms adversely challenge and disable many millions of individuals. Head trauma is sadly egalitarian, meaning that it can affect...
How can I appeal a denial of employer-provided long-term disability benefits?
Disability benefits are often the only source of income someone with serious injuries or illnesses can collect to pay their bills. Although nearly ten million people collect these benefits, many people are still getting a denial of their employer-provided long-term...
The COVID-19 disability-linked saga: just beginning
The numbers alone tell the story. And what they indicate regarding long-term ramifications for many individuals across the United States who have contracted the COVID-19 virus is magnified by a dire projection. “Estimates suggest,” notes a respected journal, “that...
Why are long-term disability claims denied?
The denial of your long-term disability (LTD) claim can be a devastating setback, especially when your medical condition is severe enough to prevent you from working. There are many reasons insurance providers deny claims. Some of the most common include: The claimant...
Here’s a wrinkle: One insurer says yes, but another says no
Regular readers of this established blog forum know that individuals having disability coverage subject to ERISA regulations and processes frequently confront some claim hurdles and challenges. And, candidly, they can be formidable. Blowback can come in an instant...
Ulcerative colitis: always serious, sometimes life-threatening
Ulcerative colitis is a medical term used to spotlight a disabling condition that is perhaps unknown to many Americans. That lack of familiarity does not mean that ulcerative colitis is a rarely experienced malady though. A Cleveland Clinic website addressing the...
PTSD: short acronym for a complex, debilitating condition
Can an extremely unsettling memory of some singularly adverse life event – a wartime combat experience, perhaps, or personal involvement in a devastating accident – play out in negative ways for an individual over time? Realistically, how could it not? Human beings’...
What if my long-term disability pay is denied?
When you have put years of hard work in for your employer, you expect to not face problems when you need to use your long-term disability coverage. You signed up for your workplace long-term disability insurance a long time ago and have paid your share of the premium....