You Counted on Their Promise to Pay. Make Them Keep It.
We Have Been Making Them Keep Their Promises for 30 Years
Most of us don’t like to imagine a day when we can’t work or provide for ourselves. But disability happens more often than many people realize. According to the Social Security Administration, one in four 20-year-olds today will become disabled before reaching retirement age. Disability insurance is designed to protect your income if illness or …
If you’re a Veteran receiving 100 percent disability benefits from the VA, you might be unsure if you need to stop working. The answer is: it depends on your situation. Let’s explain what you should know. What Are 100 Percent VA Disability Benefits? When the VA gives you a 100 percent disability rating, it means …
If your employer goes out of business, your eligibility for Long Term Disability (LTD) benefits depends on the terms outlined in your insurance policy. Here are several factors to keep in mind: Employer-Sponsored LTD Insurance: If your employer offered you LTD insurance through a group plan and then ceases operations, this policy may be impacted. …
Many veterans who receive disability payments from the U.S. Department of Veterans Affairs (VA) look forward to updates in the 2025 VA disability rates and pay chart, which reflect annual changes to their benefits. These updates happen due to the Cost of Living Adjustment (COLA), which helps veterans and their families receive financial support that …
Winter can be challenging for those living with a disability, especially during the darker, colder months. Seasonal Affective Disorder (SAD), a form of depression associated with shorter days and reduced sunlight, can cause fatigue, sadness, and low energy. The good news is that SAD can be managed with proactive steps and the proper support. What …
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 …
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 …
