You Counted on Their Promise to Pay. Make Them Keep It.
We Have Been Making Them Keep Their Promises for 30 Years
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 …
The likelihood of missing months or even years of work due to an injury or illness may seem low, especially if you are young, healthy, and work at a desk. However, according to the Social Security Administration, more than one in four 20-year-olds will experience a disability before reaching retirement age. Long Term disability (LTD) …
A knee replacement surgery may qualify you for Long Term benefits if you cannot work, particularly if you suffer from chronic pain and have been unable to work for more than 12 months. Approximately 790,000 knee replacement operations are performed in the United States every year. It is not uncommon for people to undergo double …
