Recent Blog Posts
What Does a Short-Term Disability Claim have to do with a Long-Term Disability Claim?
When you have both short-term disability insurance and long-term disability insurance, it’s likely that if you ever do become disabled, you’ll be pursuing a claim on the short-term disability policy before filing a long-term disability claim. Even though you may only be looking for benefits for a few months at first, it is vital to take that short-term disability claim…
So you got a letter of denial or termination…
“There must be some mistake.” That’s a typical reaction after opening a letter from the insurance company informing you that your long-term disability claim has been denied. Your policy is current, you filed your claim on time, and you know that you suffered a disability, so what went wrong? The fact is that three million people…
The Role of a Treating Physician in Your Long-Term Disability Claim
When you’re filing a claim under your long-term disability insurance (LTDI) policy, you’ll need the support of a treating physician. Your doctor must not only document your diagnosis, prognosis and treatment but must also certify the limitations and work restrictions that keep you from working in your chosen occupation or any occupation…
What Kind of Long-Term Disability Policy do You Have?
Long-term disability insurance (LTDI) helps replace income if you become disabled from working for months or years due to an accident, illness or other disability. LTDI policies may be purchased privately on the open market or offered by a professional association, or they may be provided by the employer as a group policy, often as a fringe benefit paid by entirely the employer or with some contribution from the employee…
