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In today’s world, social media is part of everyday life. Many people use Facebook, Instagram, TikTok, or X (formerly Twitter) to share updates, stay connected, and express themselves. But if you are receiving or applying for long-term disability (LTD) benefits, what you post online could come back to haunt you. Insurance Companies Are Watching When …
After living with cystic fibrosis, your symptoms have deteriorated to the point where you can no longer work. Are any disability benefits available for people with CF? Yes, it is considered a disabling condition, and making a disability claim can be crucial to one’s well-being. You may be eligible for disability benefits for cystic fibrosis …
If you’re receiving Social Security Disability Insurance (SSDI), you may already have Medicare coverage. But turning 65 brings important changes to how your health benefits work. Understanding the transition can help you avoid gaps in coverage and ensure you’re making the most of your options. Medicare Before Age 65 Most people qualify for Medicare at …
If you’re living on Social Security Disability, VA benefits, a pension, or retirement savings, you may think estate planning is only for the wealthy. The truth is, everyone—regardless of income—needs a plan. Estate planning is about protecting yourself during your lifetime and making sure your wishes are carried out when you’re gone. For people on …
If you’ve recently won your disability claim, you’ve likely been focused on financial stability and health. But as life moves forward, it’s important to think about the future—specifically, how to protect your assets and provide for your loved ones. One of the most effective ways to do that is by setting up a trust. But …
When it comes to planning for the future, naming beneficiaries on your accounts, insurance policies, and estate planning documents is a key step in ensuring your loved ones are taken care of after you’re gone. But what many people don’t realize is this: choosing a primary beneficiary is only part of the plan. What if …
By Marc Whitehead, Board Certified Disability Attorney If your long-term disability (LTD) claim has been denied, you’re not alone—and you’re not out of options. At Marc Whitehead & Associates, we’ve spent decades helping clients fight back against unjust insurance denials, especially under the notoriously complex ERISA law. Here’s a detailed guide to understanding why claims …
Divorce is never easy, especially when your financial well-being depends on long term disability (LTD) benefits. For many of our clients, disability benefits are a lifeline. If you’re facing the possibility of divorce or already going through one, it’s important to understand how it might impact your disability income. Let’s break down how divorce may …
Turning 65 is a major milestone—and a great time to make sure your legal and financial affairs are in order. Whether you’re on disability, nearing retirement, or already receiving Medicare, having the right legal documents in place can give you and your loved ones peace of mind. Here are the five essential legal documents every …
Volunteering is a fulfilling way to give back to the community, stay engaged, and maintain a sense of purpose. If you receive long term disability benefits (LTD), you may be concerned that volunteering may affect your eligibility. Although volunteering is not considered paid employment, certain factors may still impact your LTD benefits. Maintaining your benefits …
