Tag: disability insurance

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There are many myths floating around about disability insurance – the most common is that there isn’t much of a difference between SSDI and private long-term disability insurance. Often, Americans will choose to skip the latter because they think the former will provide for them if they become disabled.

If you suffer a disabling injury or illness that requires treatment and appropriate medical care for a short period of time (typically 12 months or less), short-term disability (STD) insurance benefits can provide you with income replacement. Your short-term disability  income replacement benefits are based on your monthly income, along with a predetermined percentage of […]

It’s difficult to discuss the possibility of a young, aspiring athlete losing a professional athletic career before it begins. Whether due to injury or illness, career-ending disabilities can and do happen to top-level Division I athletes, making it a very timely and necessary topic of discussion. With the right type of career-ending disability insurance, Division […]

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 […]

DarrasLaw represents people across the United States who are facing severe mental and physical disabilities in claims for coverage under disability insurance policies. Recently, we published a blog about the challenges of filing a claim for long-term disability based on depression. We discussed a common provision in these policies that restricts wage replacement payments to […]

Fish stories. Prominent fishing guide and angler Billy Swan is facing serious allegations of being less than forthcoming when it comes to his on-the-water exploits. A federal grand jury charged him with wire fraud, mail fraud for allegedly filing false documents with the Social Security Administration (SSA), Social Security fraud, and perjury for allegedly lying […]

Every year, the U.S. Bureau of Labor Statistics collects data on persons with disabilities from the Current Population Survey (CPS). The information comes from a monthly sample of approximately 60,000 households in the United States. Breakdowns are based on gender and age, along with employment status. Their annual study for 2016 revealed that if disabled […]

In 2015, more than 10 million Americans between the ages 18 to 64 received a combined $11.4 billion in monthly disability benefits. While the average check amounts are similar, state-to-state numbers of participants vary significantly, ranging from 8 percent in West Virginia to 2.8 percent in Hawaii. Nearly 8.9 million out of the 10.2 million […]

We all need insurance. It’s a basic necessity to protect us from accidents and unforeseen tragedy. Unfortunately, many insurance companies are experts at denying claims. In the event that you submit a claim, your insurance company may try to misconstrue your injuries, medical records, and even the events leading up to the moment you filed […]

There are certain items on our to-do list that just never seem to get done. While some tasks involve physical labor or a significant time allotment, others duties don’t fall into the arduous categories. For example, “estate planning” or “disability insurance purchase” may have been on your to-do list for a long time. Many people are reluctant to […]