Tag: long-term disability

Life doesn’t always go the way we plan. You may feel excited to finally start a new job, one with better disability insurance benefits, but that’s when a serious illness or injury may strike. While some of American employers offer short- and long-term group disability insurance benefits, you must typically get through a waiting period […]

When many people think of disabilities—and even disability insurance—physical disabilities come to mind. While physical injuries and chronic pain conditions surely qualify as disabilities under certain circumstances, they are not the only ones. Mental illnesses may also fall under the provisions of many individual and group disability insurance policies. Statistics provided by the National Alliance […]

Long-term disability (LTD) insurance provides beneficiaries with a portion of their income if they become ill or injured and cannot work for extended periods (usually more than 90 days). To receive disability benefits, policyholders must file a timely proof of loss and disability claim that insurers approve. Often, disability claims are wrongfully delayed or denied, […]

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 […]

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 you think of a disability, what comes to mind? Many Americans have misconceptions about what restrictions and limitations constitute a disability. In addition, there is often confusion regarding what legally qualifies as a disabling sickness or illness. According to the Council for Disability Awareness, one in three women and one in four men will […]

Individuals who receive their medical degree should feel extremely proud; a lifetime of tireless academic efforts has paid off. Indeed, the transition from student to physician can now begin in earnest with the start of a residency. With long hours and low pay, the life of a medical resident is not glamorous. However, most will […]

No one can foresee all of the mishaps that will turn up throughout life, but we can learn from the mistakes of others, taking care to prepare for events that disable people every day. Individual and group long-term disability insurance is one item that prudent people buy to prepare for the unexpected. From car insurance […]

Every dollar matters when you are unable to work due to a disabling injury or sickness. When tax time rolls around the thought of producing your tax return to an insurance company is certainly distressing. Is your carrier really able to do that? The long-term disability insurance company may be telling you that they are […]

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February is American Heart Month, so you’ve probably seen lots of news about identification and prevention of heart conditions. But what happens if you’ve already had a heart attack?

Many people wonder if they can receive disability benefits for the aftereffects of a heart attack. In this podcast episode, we team up with Gary Pozsik of Health, Wealth, and Happiness to address the common myths and facts about filing for disability benefits due to a heart attack.