Disability Claims

Switching jobs is already challenging, but it’s even tougher when you’re dealing with a long-term disability (LTD) claim. Knowing how to manage your LTD benefits during this time is crucial to ensuring your financial support remains steady. Here’s a detailed guide on handling your LTD claims during a job transition.  Understanding Long-Term Disability Insurance  LTD …

The world of work can be a bit tricky to navigate, especially when you’re dealing with a disability. Whether your disability is visible or not, balancing your condition with job demands can feel like walking a tightrope. But don’t worry! There are ways to make the journey smoother, from personal coping strategies to seeking support …

Navigating a disability hearing involves understanding various components, including the pivotal role of vocational experts (VEs). These experts play a crucial role in assessing an individual’s ability to work given their medical condition and vocational background. In this blog post, we’ll delve into what vocational experts do, why their input is significant, and how you …

The world after military service can be tough, especially for veterans dealing with Post-Traumatic Stress Disorder (PTSD). The symptoms of PTSD can be overwhelming, but there’s a powerful, natural tool that can help: regular exercise. Not only can exercise improve your mental and physical health, but it can also play a crucial role in supporting …

The elimination period in a long-term disability insurance policy can often create uncertainty. It also hinders the application process. The term refers to a predetermined length of time, typically starting from the moment of official disability and lasting until your benefit payments begin. Understanding this concept helps you maneuver through the complexities of a long-term …

Insurers frequently deny disability benefits based on the lack of “objective medical evidence.” This can make or break your claim.

Our video begins with a reminder that disability insurance companies are always looking for ways to reduce their liability. They want to cut costs, and so have developed strategies and tactics by which they are able to reduce long term disability benefits – and even deny benefits altogether, or terminate existing benefits.

Fibromyalgia Syndrome (FMS) is a leading cause of Social Security Disability and Long Term Disability Insurance Claims. Anyone who comes in contact with patients with FMS knows its disabling effects. However, much about the disease remains unknown. One Social Security Judge referred to it as a “pervading mystery – its cause, duration and functional limitations.” These cases can be won if the symptoms and the functional effects are made clear to the social security judge or the disability insurance company.