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,...
A claim on accidental death & dismemberment (AD&D) insurance coverage usually comes at one of the most desperate times in the claimant's life. Either your spouse or other loved one has died in a terrible accident, or you have suffered an accidental...
Insurance companies are widely known for taking their sweet time about paying benefits for any reason. How badly you and your family need those benefits isn’t their concern, and they’ll typically do whatever they can to deny or delay payments. But if your long-term...
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...
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...
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...
The Employment Retirement Security Act of 1974 (ERISA) was originally introduced to protect employee retirement. But Congress later amended the law to include all worker benefits, including long-term disability plans provided by private employers. If you suffer a...
A debilitating injury or illness creates profound physical, financial and emotional stress, even when it’s covered under your employer’s long-term disability plan. And chances are good that the insurance company will deny your claim for benefits based on any...
Proving that you cannot work due to a physical injury can be challenging enough when filing a long-term disability claim. Insurers demand a mountain of evidence that the injury is debilitating. But proving a psychological or cognitive injury can be even more...
Cancer is one of the most common health conditions and a leading cause of death in the United States. However, if you are diagnosed with cancer, a long-term disability (LTD) claim will depend on the terms outlined in your employer’s policy and the severity of your...
