Statistics from the National Alliance on Mental Illness (NAMI) reveal that mental health conditions are far from uncommon. In fact, NAMI has made the following eye-opening determinations concerning mental health issues in America: One in five adults will experience some type of mental illness. Roughly one in 25 adults live with a serious/chronic mental illness. […]

It can be somewhat confusing for most people to determine whether their long-term disability insurance benefits are taxable. Disability benefits may or may not be taxable depending who made the premium payments and whether those payments are deductible. Social Security disability insurance (SDDI) benefits may be taxable; the IRS provides further explanation of when these […]

ER Technicians have historically been in high demand due to many hospitals and healthcare providers reaching maximum capacity. This need has intensified amid the COVID-19 pandemic, and as previously discussed, ER Techs have consequently been at higher risk for disabling injuries and illness since their presence is required to support nurses and doctors. Should an […]

Emergency room technicians, or ER Techs, are regularly pushed to the limit at hospitals and health care facilities. Also known as patient care technicians or nursing assistants, their primary responsibilities involve supporting nurses and other professionals with the heavy lifting, carrying, bending and stooping. Their duties also come with a high risk of injury and […]

The COVID-19 pandemic has caused major disruptions for anyone filing short- and long-term disability claims. The Department of Labor (DOL) recognized just how impactful the pandemic has been on patients in the U.S. and acted on it by thankfully suspending many long-term disability deadlines. This is good news for anyone who filed a claim with […]

Long-term disability insurance covers people against the financial impact of unexpected injuries or sicknesses that leave them out of work for an extended period (or permanently). People covered by long-term disability insurance can receive periodic monthly payments for as long as they are disabled and their carrier agrees, or a single lump-sum payment that (in […]

If a long-term disability (LTD) insurance provider subject to the Employee Retirement Income Security Act, or ERISA, has denied part or all of your claim for disability benefits, you do not have to take “no” for an answer. You have the right to timely and comprehensively appeal the claim denial so that you receive the […]

Countless workers have experienced the frustration of submitting a claim for short-term or long-term disability benefits through their employer-sponsored disability insurance plan, only to have their legitimate claims denied. Group disability insurance is supposed to be there when injured or sick workers need it most. Being told “no” by an insurance company feels like a […]

A long-term disability is when an insured, as a result of an injury or illness cannot perform the important duties of his or her regular occupation, or in some cases is unable to do any occupation by which they are trained, educated, or suited. The COVID-19 pandemic is a devastating emerging risk in the medical […]