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....
So-called “long haulers” confront distinct disability claim challenges
An established and authoritative legal source on ERISA-governed disability applications and eligibility poses a prominent question on its website. That is this: “How often do disability companies deny claims and appeals?” Reams of both anecdotal and empirically vetted...
The sometimes slippery slope of volunteering while disabled
Following is a scenario – sometimes welcome – for an individual receiving disability insurance benefits while suffering from a long-term disabling illness or injury. To wit: You are unquestionably compromised to a degree, that the ability to live life as was customary...
Common LTD causes: a long and varied list
One disability-focused article notes that most of America’s doctors secure long-term disability to safeguard themselves, their practices and their families from the financial downsides linked with a longer-term adverse health condition. They obviously know something....
Pandemic complicates things for many LTD claimants
Suffice it to say that COVID-19 has upended lives across the planet. It has interacted in truly pernicious ways with millions of individuals and families spanning the United States. The Los Angeles Times notes in a recent article one particular demographic that has...
LTD denial/remand case underscores ERISA disability process
No one who has ever been involved with the process for long-term disability claim approval and the steps often required for getting there underscores ease in clearing all the hurdles. Because there are routinely many of them. Moreover, successfully negotiating them...
Diabetes and your long-term disability claim
In the past few decades, Americans have become more aware than ever about the prevalence and seriousness of diabetes. According to the American Diabetes Association (ADA), more than 34 million Americans had diabetes in 2020, with more than seven million undiagnosed...
Does Crohn’s disease qualify as a disabling long-term condition?
A two-part response reasonably emerges to the above-posed headline query leading off today’s blog post. For starters, Crohn’s’ disease is a condition that is unquestionably debilitating for many people who suffer from it. There is no cure for the Crohn's disease, and...