Long-term disability benefits from employer insurance can be a lifeline when you can't work due to a serious health condition. However, getting approved for these benefits isn't always straightforward. Employers and insurance companies regularly deny claims, leaving...
Securing long-term disability (LTD) benefits can feel overwhelming. Those looking to get these benefits can help manage this frustration by having a basic understanding of the steps involved. Although the exact process may vary depending on the details of your policy,...
Life insurance is designed to provide financial security for your loved ones after you're gone. It's a promise of support during a difficult time. But what happens when your provider breaks their promise and denies your claim? This can be a devastating experience,...
You work hard to support your family. If you suffer a devastating injury that takes away your ability to work, you’ll likely depend upon long-term disability benefits (LTD) to get your family through until you can get back to work. But sometimes the applications for...
Finding out that your employer or the insurance company they work with denied your long-term disability claim can be devastating for many people suffering from an illness or recovering from an injury that affects their ability to work. Knowing what you need to appeal...
The strength of your medical evidence can make or break your disability claim. Insurance companies and plan administrators heavily rely on medical documentation to assess the legitimacy and extent of your disability. When you receive a disability claim denial, you...
Short-term and long-term disability policies exist for a reason. They’re supposed to provide workers with the means to retain their financial security after an injury or illness leaves them unable to work. Unfortunately, insurers are better at selling those policies...
Prohibited transactions under the Employee Retirement Income Security Act (ERISA) broadly refer to transactions with potential conflicts of interest. Understanding what the prohibited transactions are is essential. Types of prohibited transactions There are two...
Some individuals who are applying for disability benefits are dealing with chronic pain. This could be because of a distinct medical condition that causes pain, which may or may not be treatable. It could also be long-term pain from a past injury, such as nerve damage...
Insurance companies that issue long-term disability policies governed by the Employee Retirement Income Security Act of 1974 (ERISA) have many responsibilities to policyholders. Insurance company employees generally need to act in the best interests of policyholders...
