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Must Your Disability Be an Injury to Qualify for Long-Term Disability Insurance Benefits?

Posted September 16, 2022

According to the latest statistics from the Centers for Disease Control and Prevention (CDC), there are currently 61 million American adults living with a disability of some kind; that’s 26% of us. This figure includes 13.7% of people with mobility-related disabling conditions. However, it also encompasses the types of disabilities you might not automatically consider […]

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Early-Onset Dementia & Long-Term Disability Insurance

Posted January 19, 2022

The most recent statistics from the CDC estimate that around 5.8 million Americans are currently living with Alzheimer’s disease, the most common form of dementia. While the vast majority of these individuals are past retirement age, a significant number are younger than 65. Early-onset dementia can be devastating for patients and their families. While some […]

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Chronic Fatigue & Long-Term Disability Insurance

Posted October 29, 2021

Commonly known as myalgic encephalomyelitis, chronic fatigue syndrome is a disease that, according to the CDC, may affect as many as 2.5 million Americans. Unfortunately, most active cases reportedly remain undiagnosed. The disease causes a range of different symptoms, although not all of these are present in every case. In general, however, chronic fatigue causes […]

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Disabled by Depression: Tips for Filing an Individual or Group Long-Term Disability Claim

Posted June 17, 2021

A common thread among individual and group disability insurance policies, particularly for private insurers, is the explicit or implicit requirement of physicality for disability claim approvals. Sometimes, this requirement is made explicit by the policy’s language, which may categorically exclude mental disorders and conditions. Other times, this need to list a physical illness or injury […]

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Common Disabling Conditions ER Technicians Face

Posted July 23, 2020

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 […]

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Virtual Doctor’s Visits Are Now Becoming the Norm

Posted April 15, 2020

Google and the Internet are making it easier for healthcare consumers to access virtual medical options, which is crucial at a time when shelter in place orders are keeping hundreds of millions of people indoors. Searches and maps have been made available by Google which is also working to help doctors get up to speed […]

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Lyme Disease Is a Mental Illness? Your Disability Insurer May Think So

Posted May 10, 2018

Helping Those Suffering from Lyme Disease Get the Disability Benefits They Deserve With the arrival of summer, most of the nation knows it’s time to break out the bug spray. Lyme disease has become a serious medical concern around the country with devastating long term problems. It’s even reported that disease-carrying ticks are appearing in […]

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Risk of Relapse versus Relapse Anxiety: When Can You Get Individual or Group Long-Term Disability Benefits After A Heart Attack?

Posted May 1, 2018

Helping Our Clients With Heart Disease and Claim Issues Heart failure, whether due to coronary artery disease, mitral valve prolapse, or a congenital heart defect, may leave your heart weaker than before. A heart attack typically blocks the heart’s blood supply, resulting in heart damage. The longer a heart attack blocks your heart’s blood supply, […]

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“Normal Age-Related Findings” versus Spinal Herniation: A Common Disability Litigation Fight

Posted April 24, 2018

Helping Claimants Recognize Disability Insurers’ Tricks Can you guess what the most common disabling condition in the United States is? That’s right, musculoskeletal disabilities, including arthritis, back pain, and spinal degeneration. Almost 40 percent of the population suffers from some type of musculoskeletal injury. While these injuries don’t always disable the people they strike, they […]

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Loss of Value Insurance and Your Division I Athletes: What Colleges and Universities Need to Know

Posted April 19, 2018

Loss of Value (LOV) insurance is a little-known type of disability insurance designed to protect the future of elite, first-, second- or third-round draft picks. LOV specifically covers a student-athlete’s anticipated rookie contract value. Universities can arrange for the player or his family to purchase LOV insurance policies, which may kick in to supplement that […]

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