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Arthritis is one of the most common causes of long term disability. Many people with arthritis have limited movement and joint pain that makes it hard for them to work. If you are considering filing a long term disability insurance claim, you might have questions like: Which types of arthritis qualify for disability benefits? How …
No, long term disability (LTD) claims do not only cover physical disabilities. They can also cover mental health conditions or psychological disorders, as long as the individual meets the policy’s criteria for disability. Visit our page to learn more about common medical conditions that lead to long term disability claims. Here are some factors to …
The terms STD (Short Term Disability) and LTD (Long Term Disability) refer to two types of disability insurance coverage, but they differ in their duration, eligibility, and purpose. Here’s a breakdown of the key differences: 1. Duration STD (Short Term Disability): Covers a temporary disability lasting a few weeks to several months, usually between 3 …
When you receive long term disability (LTD) benefits, it’s important to understand that your insurance company may periodically review your claim to ensure you continue to qualify for benefits. These reviews or audits can be stressful, but with proper preparation, you can navigate the process smoothly and maintain your benefits. In this detailed guide, we’ll …
Caring for a loved one with a disability is a rewarding but often challenging role. The demands can be physically and emotionally draining, leading to high levels of stress. At Marc Whitehead & Associates, we understand the unique pressures caregivers face. Here are some stress-reduction techniques to help you manage your well-being while providing the …
In the world of disability benefits, one of the most frustrating aspects for claimants and their attorneys alike is the waiting period. It’s a period filled with uncertainty, anxiety, and often, a sense of powerlessness. But why do these wait times exist, and how can individuals navigate through them? Why Wait Times Exist The first …
Navigating the complexities of a disability claim can be overwhelming, but with the right approach, you might be able to increase your chances of success. Here are some key strategies to consider: Understanding the Legal Landscape The first step in winning your disability case is understanding the legal landscape. Disability laws can be intricate, and …
Navigating the legal system can be a daunting task. It’s even more challenging for people with disabilities. The Americans with Disabilities Act (ADA) provides protection. But understanding your rights under the ADA and ensuring compliance can be complex. That’s where legal aid comes in. It’s a lifeline for persons with disabilities, ensuring fair treatment and …
Living a healthy life is a universal goal. Yet, for individuals with disabilities, finding suitable fitness options can be a challenge. Inclusive fitness is the answer. It’s about creating fitness options that cater to all abilities. This guide explores disability-friendly fitness options and provides tips for leading a long and healthy life. Embracing Inclusive Fitness: …
You can prepare for long-term disability interview questions by being polite, prepared, and honest. The insurance interviewer will likely begin with a few easy questions to which they probably already know the answers, e.g., what medications are you taking, or when is your next doctor’s appointment? More difficult, open-ended questions will follow. For example, has …
