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By Marc Whitehead, Board Certified Disability Attorney If your long-term disability (LTD) claim has been denied, you’re not alone—and you’re not out of options. At Marc Whitehead & Associates, we’ve spent decades helping clients fight back against unjust insurance denials, especially under the notoriously complex ERISA law. Here’s a detailed guide to understanding why claims …
Divorce is never easy, especially when your financial well-being depends on long term disability (LTD) benefits. For many of our clients, disability benefits are a lifeline. If you’re facing the possibility of divorce or already going through one, it’s important to understand how it might impact your disability income. Let’s break down how divorce may …
Turning 65 is a major milestone—and a great time to make sure your legal and financial affairs are in order. Whether you’re on disability, nearing retirement, or already receiving Medicare, having the right legal documents in place can give you and your loved ones peace of mind. Here are the five essential legal documents every …
Volunteering is a fulfilling way to give back to the community, stay engaged, and maintain a sense of purpose. If you receive long term disability benefits (LTD), you may be concerned that volunteering may affect your eligibility. Although volunteering is not considered paid employment, certain factors may still impact your LTD benefits. Maintaining your benefits …
The likelihood of missing months or even years of work due to an injury or illness may seem low, especially if you are young, healthy, and work at a desk. However, according to the Social Security Administration, more than one in four 20-year-olds will experience a disability before reaching retirement age. Long Term disability (LTD) …
A knee replacement surgery may qualify you for Long Term benefits if you cannot work, particularly if you suffer from chronic pain and have been unable to work for more than 12 months. Approximately 790,000 knee replacement operations are performed in the United States every year. It is not uncommon for people to undergo double …
Why is it Important to Regularly Treat With Your Doctor While Receiving Long Term Disability Benefits? Many Long Term disability benefit claims are denied because claimants do not seek enough medical treatment. Maintaining regular communication and visits with your doctor while receiving Long Term Disability benefits is crucial for several reasons: Medical Documentation Frequent visits …
As disability attorneys, we cannot emphasize enough the problems disability insurance taxation can cause if you’re not prepared. Many claimants come to us who unfortunately have been caught by surprise when the IRS taxed their benefits. If you receive disability insurance benefits, you need to know whether the IRS says those LTD benefits are taxable …
According to the CDC, 28.7% of adults in the United States have some kind of disability. Service dogs play a significant role in the lives of people with disabilities, ranging from autism to muscular dystrophy. These friendly animals help their owners perform everyday tasks. Some are specially trained for people with diabetes, epilepsy, or PTSD. …
Engaging in exercises for ankylosing spondylitis (AS) can assist in alleviating pain and stiffness, as well as enhancing mobility. These exercises include a variety of spinal movements, core strengthening activities, and aerobic workouts. Before beginning any new exercise, we recommend consulting with a healthcare professional. How to Manage Ankylosing Spondylitis Pain Spinal movements: Cat/cow: This …
