Coronavirus and Your Short and Long Term Disability Insurance

Posted March 11, 2020

Throughout California, across the United States, and around the globe there is a deep sense of concern over the spread of the coronavirus. Media outlets offering advice on how to prevent the virus, but for those who do contract it, short and long-term disability insurance can offer some peace of mind. Read on to learn […]

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What Chiropractors Should Know About Individual and Long-Term Disability Policies


Back injuries are one of the most common types of ailments happening in the workplace. People who work in warehouses, people who work in retail shops and even people sitting at a desk all day can have difficulty and trouble with their backs. Lumbar issues are so prevalent that the cost for treatment and surgery […]

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Top 10 Reasons Your Long-Term Disability Claim Will Be Denied

Posted February 29, 2020

American workers deserve compensation when their health threatens their ability to perform the important duties of their occupations, and their wellbeing. This is why many employers provide group long-term disability insurance as an employment benefit. To protect their profits, however, long-term disability insurance carriers have become increasingly aggressive about denying legitimate long-term disability claims. Workers […]

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Top Dos and Don’ts for LTD Appeals – Checklist

Posted February 25, 2020

Appealing the denial of a long-term group disability benefits decision may seem like a straightforward process. Your long-term group plan administrator surely wants you to think so. However, in reality, appealing a long-term group disability claim denial involves significant risks, unforgiving deadlines, and no instructions on how to bulletproof your appeal. The potential for making […]

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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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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 […]

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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, […]

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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 […]

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Individual and Group Disability Insurance Definitions: The Layperson v. The Legal Terms

Posted March 15, 2018

Individual and Group Disability Insurance Definitions: The Layperson v. The Legal Terms Helping Beneficiaries Understand Their Confusing Individual and Group Disability Insurance Policies What comes to mind when you think of the term disability? Do you see someone in a wheelchair, with a guide dog, or walking with an aid? Webster’s defines “disability” as “a […]

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How Offsets Can Affect Your Group Disability Health Benefits

Posted January 5, 2018

Offsets Can Affect Your Group Short- and Long-Term Disability Benefits People who are eligible to receive short- and long-term disability insurance should know that any benefits they receive 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 receive […]

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