There are many similarities between individually purchased and employer-sponsored long-term disability insurance. Both offer income protection and other financial benefits for policyholders in the event they become unable to do full- or part-time work for an extended period due to a disabling injury or illness. However, there are important distinctions between the two as well. […]

According to data from the US Bureau of Labor Statistics (BLS), 35% of civilian workers in the United States had access to long-term disability insurance coverage in the year 2020. Employees in higher-paying occupations were much more likely to enjoy and be offered this employment benefit. While millions of Americans have disability insurance, only a […]

According to the latest statistics from the Hearing Health Foundation, Meniere’s disease currently affects between 600,000 and 750,000 people in the United States, with over 45,000 new diagnoses of the condition each year. Depending on the nature of your work and the severity of your symptoms, Meniere’s disease can qualify as a disability for the […]

Postural orthostatic tachycardia syndrome (POTS) may not be a name that’s familiar to the average American. However, this blood circulation disorder is more common than many people think; the Neurological Institute at the Cleveland Clinic estimates that POTS currently affects around half a million people in the United States. The condition varies in severity from […]

The Employee Retirement Income Security Act of 1974 (ERISA) is a complex body of federal legislation that governs almost all benefits workers receive from their employers, including disability insurance coverage. While there are notable exceptions, most employer-sponsored group short- and long-term disability insurance policies fall under the jurisdiction of ERISA. The legislation offers you few […]

People will often tell you to “shop around” when you’re considering making a big purchase, as doing so can help you to save money. This advice is especially useful if you’re considering buying a short- or long-term disability insurance policy. There are plenty of insurance companies out there competing for your individual insurance business, and […]

At DarrasLaw, we’re in the business of helping long-term disability insurance claimants prove to their insurance companies that they’re entitled to monthly insurance benefits. Unfortunately, that can be very tricky in many cases. Your disability insurance provider will put together every piece of evidence it can in order to justify denying your claim. Therefore, you, […]

When you first contact an insurance company to purchase a long-term disability insurance policy, you might buy into the company’s attempts to portray itself as a caring, client-focused business. When it comes to claim time, this impression often swiftly evaporates. The reality is that disability insurance providers devote a lot of resources to finding ways […]

The expert knowledge in this long-term disability area continues to evolve, which means that COVID-19 disability insurance claims are rarely “black-and-white”. In May 2022, the United States reached the morose milestone of 1 million deaths due to the COVID-19 pandemic. In addition to the unfathomable loss of life, there remains another overwhelming struggle for individuals […]