A denial of long-term disability benefits can be a convoluted nightmare. But there is one part of this nightmare that you should approach with the mental clarity necessary to obtain your benefits: The appeal letter. Writing an effective letter of appeal is like...
It can be both stressful and disheartening if your employer’s insurance company denies your claim for long-term disability benefits. Through this time of high anxiety, you must remember that you have the right to appeal this denial. However, before beginning the...
The federal Employee Retirement Income Security Act (ERISA) is in place to protect employees’ rights to receive disability benefits from private employers when they need them the most. But long-term disability claims are consistently denied by insurers for several...
If you suffer from fibromyalgia, you know: This is a serious, debilitating condition. Widespread pain, loss of sleep, fatigue and serious emotional stress are all common symptoms and side-effects of fibromyalgia, as noted by the CDC. Although fibromyalgia is serious,...
If your employer provided disability insurance carrier has denied your claim, the results could be disastrous. Assuming you have a valid claim, and you truly are suffering from a long-term disability, you need those benefits. They might be the only means you have of...
It is all but common knowledge that group insurance carriers tend to delay and deny long-term disability claims. When even the most obviously valid claims can present difficulties for policyholders, claims involving less clear-cut illnesses like post-traumatic stress...
If you have been reading our blog or our website, you probably have some understanding of the importance of getting a quality medical care and recommendation as part of a long-term disability insurance application. Group insurance benefit providers do not like to pay ...
If you have suffered from post-traumatic stress disorder (PTSD), you know how difficult this illness can be. Due to the serious symptoms that come with PTSD, you might be unable to function at work. One of the most significant problems PTSD sufferers can face is the...
Lady Gaga took to Twitter to announce that she suffers from fibromyalgia. She stated that long-term pain is “no joke” and explained that the announcement is not to get her fans’ pity or attention, but instead to raise awareness and push for more research efforts into...
Insurance is supposed to provide a safety net, a helping hand when we are need. We may get coverage from our employer or with an independent policy but in either case we expect the disability insurance company to actually provide coverage when we have a claim....
