Nurses work stressful jobs that include the potential for contact with hazards. This combination can lead to injury or illness that may require a long-term disability claim. Those who are looking to make a long term disability claim should know the following. #1: Know...
Defining ‘disabled’ for a long term disability insurance provider
Whether you think of yourself as disabled due to an illness, injury or congenital condition depends on your personal outlook. But defining "disability" becomes important when it comes to making a claim for long term disability insurance benefits or appealing a denied...
How does ERISA protect people with long-term disabilities?
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...
Do long-term disability claims have to be work-related?
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...
What are the steps for appealing a long-term disability claim denial?
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...
Does ‘burnout’ qualify as a long-term disability?
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...
Was your long-term disability claim for an ‘invisible’ condition denied?
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,...
Top 4 reasons that long-term disability claims are denied
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...
Rejection of long-term disability benefits
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...
Denial of employer-provided long-term disability benefits
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...