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’...
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....
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...
An insurance agreement is a kind of contract in that two parties agree to certain actions in certain situations. If you or a loved one on your plan have a disability, either because of a medical condition or another factor, then you should have coverage. As long as...
According to the Mayo Clinic, peripheral neuropathy (PN) results from nerve damage outside the central nervous system. PN often affects the hands and feet, though it could theoretically affect any periphery nerve system. There are many possible causes of PN, and...
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...
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....
If you suffer a serious injury, or a loved one dies because of a tragic accident, you may feel overwhelmed by what happened. At some point, you realize that long ago, you or your loved one signed up for accidental death and dismemberment (AD&D) coverage at work....
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...
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...
