You Counted on Their Promise to Pay. Make Them Keep It.
We Have Been Making Them Keep Their Promises for 30 Years
When LTD benefits are suddenly cut off, it can feel harsh and deeply defeating. Last month, you were keeping your head above water. Today, you’re holding a notice of termination stating that your disability insurance benefit payments are discontinued. And you feel just as disabled as you felt a month ago. Losing access to long-term …
Receiving an LTD denial is honestly disheartening. You feel stuck at a standstill. What do you do now? If you’re facing a denied disability claim, you’ve landed in the right place. Our six-step guide to appealing an LTD denial will dispel paralysis and confusion. Filing an appeal is your next move, and it’s your best …
As a society, we have increasingly recognized that mental health conditions are just as serious and disabling as physical illnesses. This understanding is long overdue. The brain and central nervous system control how we think, feel, and function—and when mental health conditions interfere with those processes, they can make it impossible to maintain consistent employment. Long-term disability …
If you receive Long-Term Disability (LTD) benefits through a private insurance policy, you might be surprised to learn that those monthly payments can be reduced, or “offset” by other income you receive. These offsets often catch people off guard and can make financial planning difficult. Understanding how offsets work can help you anticipate changes to …
When you’re fighting for long-term disability (LTD) benefits, medical evidence isn’t just helpful, it’s the foundation of your case. Insurance companies don’t simply take your word for it when you say you can’t work. They want clear, detailed, and consistent documentation from your doctors and medical providers to back up your claim. Without strong medical …
When you’ve worked hard for years and suddenly face a serious illness or injury, long term disability (LTD) benefits can feel like a lifeline. These benefits replace a portion of your income when you’re unable to work—but one of the most common concerns we hear is: “Can my employer fire me while I’m on long-term …
If you have chronic, disabling pain that prevents you from doing your job, it’s something that should help you to qualify for long term disability. In fact, a number of cases have reaffirmed this position and said that insurance companies and doctors can’t just ignore a person’s pain when deciding whether or not they are actually disabled and deserving of benefits.
For anyone out there suffering, this is good news. Unfortunately, it’s not quite as straightforward as saying, “my pain keeps coming back and I can’t work – give me the help I need!” What makes proving chronic pain so tricky?
It’s important to learn about long-term disability benefits termination red flags. Insurance companies are more than happy to terminate your disability claims. It boosts their bottom line. Insurers carefully analyze claims, looking for anything disqualifying. Some of these actions are legitimate, as disability fraud does occur. However, in most cases, patients need their benefits because …
Getting long-term disability after a stroke is crucial to maintaining quality of life. Even if your stroke symptoms are treated promptly, you may experience long-term residual health effects that limit your ability to work at your regular job. If this has happened to you, you can replace your lost earnings by applying for long-term disability …
When you become disabled, you might be tempted to handle your claim independently. That’s usually a mistake. Many people wait until their disability claim has been denied before obtaining legal counsel. A Long Term disability insurance attorney at Marc Whitehead & Associates can help you navigate the complexities of the filing process. We serve clients …
