Not being able to earn an income can be scary. If you or a loved one cannot work due to an injury or medical condition, you have likely filed, or will soon be filing, an application for long-term disability insurance benefits. It is essential to know that your disability insurance company has certain obligations when …
Long-Term Disability
How Do I Ask My Doctor For Disability?
According to the CDC, about 61 million adults in the United States have a disability. That means 1 in 4 adults have some disability, whether back problems, autoimmune disorders, heart diseases, vision impairment, or one of many other disabling medical conditions. Living with a disabling condition is tough enough on its own, but one of …
Long-Term Disability Denials: 12 Reasons Your Claim Could Be Denied
When applying for long-term disability (LTD) insurance benefits, you must know that disability insurance companies deny many claims. Even if your disability insurance claim is initially approved, you need to know that your insurance company can terminate or cut off your benefits. If the insurance company decides you are no longer disabled, they can terminate …
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Long-Term Disability For School Board Employees
If you are a school board employee, you are likely covered by your county’s short-term disability (STD) and long-term disability (LTD) insurance plan. Disability insurance coverage is available to most individuals employed by public schools, such as teachers and janitorial staff, although certain requirements (such as working a certain number of hours each week) must …
5 Things You Need To Know About Long-Term Disability And Knee Injuries
How Chronic Knee Pain Can Disrupt Your Life The gut-wrenching sound of a knee injury is a familiar sound for athletes. You may have witnessed a knee injury watching a professional basketball game. Knee injuries account for 50% of all injuries in athletes. But knee injuries don’t just happen under the lights in a large …
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Why It Is Important For Your Doctor To Write Up Your Functional Limitations
Your functional limitations are the most critical evidence for your long term disability claim. Your insurance company is interested in how your disability affects your ability to work. The insurance claim examiner (and a judge if your claim goes to court) will look for you to provide detailed doctor’s notes on activity limitations. This information …
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The Do’s And Don’ts Of Traveling On Long-Term Disability
You can still have a life that involves traveling when you have a long-term disability. The disability insurance companies may not like it, but being on long-term disability doesn’t mean you are on house arrest. Traveling can be a little more complicated when receiving disability payments, but it is doable with additional planning. Here is a …
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Do Insurance Companies Use Drones To Spy?
The use of drones as a new way to gather information and decrease the costs of long-term disability insurance claim investigations is on the rise. Why Do Insurance Companies Use Drones to Spy? Insurance companies have the duty of investigating disability insurance claims. Most insurance claims are legitimate claims filed by truly disabled individuals. But …
The Long-Term Disability Process: From Application To Approved
After you have exhausted your short-term disability benefits (usually a requirement), you can apply for long-term disability (LTD) benefits. Knowing how the process will work before you apply is helpful. In this article, we walk you through the long-term disability process from application to award. Applying for Long-Term Disability Benefits Step 1: Request a Copy …
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How To Appeal A Long-Term Disability Denial: Your LTD Appeal Guide
My name is Nick Ortiz, and I am a national long-term disability attorney who has been appealing long-term disability claim denials since 2005. I wrote this LTD appeal guide to help non-attorneys successfully appeal a wrongful denial or termination of benefits. My mission is to provide you with the same forms and tactics I use …
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