You Counted on Their Promise to Pay. Make Them Keep It.
We Have Been Making Them Keep Their Promises for 30 Years
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 …
Living with a chronic illness can be incredibly difficult to navigate. Chronic pain conditions and mental health disabilities can be debilitating, often bringing long-term effects that make it impossible to continue working or supporting yourself and your family. One of the biggest challenges people with chronic illness face is that many of these conditions are invisible. …
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 …
Estate planning is one of the most important steps you can take to protect your loved ones and ensure your wishes are carried out after you’re gone. A key part of that process is naming your beneficiaries, the people or organizations who will receive your assets. But it’s not enough to simply name one beneficiary. …
In today’s world, social media is part of everyday life. Many people use Facebook, Instagram, TikTok, or X (formerly Twitter) to share updates, stay connected, and express themselves. But if you are receiving or applying for long-term disability (LTD) benefits, what you post online could come back to haunt you. Insurance Companies Are Watching When …
After living with cystic fibrosis, your symptoms have deteriorated to the point where you can no longer work. Are any disability benefits available for people with CF? Yes, it is considered a disabling condition, and making a disability claim can be crucial to one’s well-being. You may be eligible for disability benefits for cystic fibrosis …
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 …
