Private insurance companies administer most employer-provided long-term disability (LTD) plans. Insurers also meticulously review LTD claims because benefits are usually expensive. And, they routinely deny claims for many reasons, such as missed deadlines or paperwork...
Many private employers offer long-term disability (LTD) benefits to their workers. Since LTD plans are often part of an overall benefits package, many employees aren’t sure what they entail and may not even look at them until they cannot work due to an illness or...
Having a long-term injury or illness is devastating on many fronts. First, the physical impact may require lengthy and expensive medical treatment. Second is the financial toll it can take, especially if your condition keeps you from working. And third, the emotional...
The World Health Organization recognizes “burnout” as a legitimate medical condition. But it is not included on the list of covered conditions on most long-term disability (LTD) insurance plans employers offer. Still, the American Psychological Association says stress...
Millions of Americans live with chronic conditions that can’t be seen – so-called “invisible” disabilities. When an injury or illness not readily apparent keeps someone from working, their employer’s long-term disability (LTD) plan may cover their condition. However,...
Few things are as stressful as suffering a debilitating injury or illness that prevents you from performing your job duties and earning a living. If your employer offers long-term disability (LTD) benefits and your condition is covered, you should be eligible for...
Employers usually offer long-term disability insurance to their employees. This type of insurance helps employees if they suffer an injury or develop a condition that keeps them from returning to work. If an insurance company approves an employee’s claim, they usually...
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...
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....
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...