Category: Group Long-Term Disability Claims
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 […]
Disabled in the National Economy versus Disabled From Your Actual Job: Why Does it Matter?
Posted May 8, 2018
Individual or group long-term disability (LTD) insurance is designed to protect a portion of your income, as defined in your policy, if you suffer an injury or illness that leaves you unable to work. If you are self-employed or an independent contractor, you may have an individual long-term disability policy that you purchased from an […]
The Hartford Bought Aetna’s Group Disability Business
Posted May 3, 2018
What Does This Mean for Your Valid Group Disability Claim? Competition between private businesses theoretically drives better services as companies vie for your business. Aetna and The Hartford were two such corporations. They specialize in insurance, including long-term disability insurance, and were major competitors in the industry. In late 2017, The Hartford bought Aetna’s group […]
The Role of Overused and Insurance-Biased Doctors in Individual and Group Long-Term Disability Claims
Posted March 22, 2018
So, you filed a valid claim for individual or group long-term disability insurance benefits. During the disability claim process, you provided documentation from multiple doctors, hospitals, and pharmacies describing the nature of your injury or illness, all of your restrictions and limitations, plus pharmacy records, physical therapist or mental health counselor evaluations, and more. Unfortunately, […]
Glossary of Disability Insurance Terms: What They Really Mean for You
Posted March 20, 2018
Private, for-profit corporations generally deliver individual and group long-term disability insurance benefits. Thus, every disability insurance policy contract is ultimately designed to protect the issuing disability insurance company’s bottom line. Essential disability benefits are the same under most individual or group long-term disability insurance plans—that is, you should receive income-replacement payments if you are sick […]
Can I Return to Work Part-Time and Still Receive Individual or Group Long-Term Disability Benefits?
Posted March 8, 2018
Generally, your long-term disability insurance exists to replace your income if you can’t work because of a disabling illness or injury. Most individual or group long-term disability beneficiaries are completely disabled from their current occupations, but this isn’t the case for all disability claimants. While a serious disabling illness or injury can leave you with […]
How federal regulations will affect group disability claims in 2018
Posted September 7, 2017
The United States Department of Labor issued regulations that revise how employer-sponsored disability plans will handle claims and appeals. These regulations apply to plans that fall under the Employee Retirement Income Security Act (ERISA). These changes are scheduled to take effect January 1, 2018, meaning they will apply to disability claims or appeals filed on […]
How Offsets Can Affect Your Disability Benefits
Posted July 7, 2017
Individuals who are eligible to receive long term disability insurance should be aware that any benefits received from other income sources could seriously reduce their monthly disability benefits. Offsets are policy provisions that permit your insurer to deduct other sources of income you are receiving or are eligible to receive due to your disability. These […]
Understanding the Common Causes of Disability Claims (Part II)
Posted May 26, 2017
We recently explored five common causes of disability claims in honor of Disability Insurance Awareness Month. As we discussed in part one of this series, many Americans have misconceptions about what legally qualifies as a disabling sickness or illness. The Council for Disability Awareness reports that one in three women and one in four men […]
When Should You Hire A Long-Term Disability Lawyer?
Posted May 8, 2017
Long-term disability claims have a tendency to be very stressful. Not only are claimants dealing with an injury or illness that is preventing them from working, they are also left to deal with the whims of their long-term disability insurance carrier. Insurance companies are in no mood to cut a check for the resources you […]