There are cases in which you may apply for benefits under an ERISA plan, but you are denied. You should get a letter in the mail informing you of this denial. But what should that letter contain? It’s more than just an indicator that your claim is being denied. Below...
If your employer-based disability benefits have been denied, the reason given may be that there just isn’t enough medical evidence to support your claim of being disabled in your file. This does not mean that you are not disabled, of course. It just means that the...
If your doctor diagnosed you with fibromyalgia and it is preventing you from working, you may consider filing for disability benefits. However, many cases are denied. In fact, there is often a high rate of denials in cases of fibromyalgia. Learn why insurers question...
If you have Lyme disease you are not alone. The United States Centers for Disease Control and Prevention (CDC) reports that almost 500,000 Americans are diagnosed and treated for the disease every year. The disease can range in severity. Some will experience...
When you’re hurt or you’re sick, you expect your long-term disability (LTD) policy to cover you. After all, your doctor has agreed that you’re not currently able to work, and that’s why you have the policy in the first place, right? A lot of people who file long-term...
Not all doctors are created equal. Getting a diagnosis for a disabling condition could require you to visit more than one physician. Some conditions are rare and difficult to diagnose correctly. Other times, you might get examined by a doctor who lacks the experience,...
When you begin long-term disability coverage through your employer or a private policy, you might be perfectly healthy. But if you are like a lot of people, you begin coverage dealing with an injury, condition or illness that is arguably somewhat disabling, though you...
Employer-provided long-term disability benefits are insurance coverages employers may offer employees as part of their benefits package. Long-term disability benefits provide income replacement if an employee becomes disabled and cannot work for an extended period of...
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...
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...
