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We Have Been Making Them Keep Their Promises for 30 Years
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 …
When you’re fighting for long-term disability (LTD) benefits, medical evidence isn’t just helpful, it’s the foundation of your case. Insurance companies don’t simply take your word for it when you say you can’t work. They want clear, detailed, and consistent documentation from your doctors and medical providers to back up your claim. Without strong medical …
When you’ve worked hard for years and suddenly face a serious illness or injury, long term disability (LTD) benefits can feel like a lifeline. These benefits replace a portion of your income when you’re unable to work—but one of the most common concerns we hear is: “Can my employer fire me while I’m on long-term …
If you have chronic, disabling pain that prevents you from doing your job, it’s something that should help you to qualify for long term disability. In fact, a number of cases have reaffirmed this position and said that insurance companies and doctors can’t just ignore a person’s pain when deciding whether or not they are actually disabled and deserving of benefits.
For anyone out there suffering, this is good news. Unfortunately, it’s not quite as straightforward as saying, “my pain keeps coming back and I can’t work – give me the help I need!” What makes proving chronic pain so tricky?
It’s important to learn about long-term disability benefits termination red flags. Insurance companies are more than happy to terminate your disability claims. It boosts their bottom line. Insurers carefully analyze claims, looking for anything disqualifying. Some of these actions are legitimate, as disability fraud does occur. However, in most cases, patients need their benefits because …
Getting long-term disability after a stroke is crucial to maintaining quality of life. Even if your stroke symptoms are treated promptly, you may experience long-term residual health effects that limit your ability to work at your regular job. If this has happened to you, you can replace your lost earnings by applying for long-term disability …
When you become disabled, you might be tempted to handle your claim independently. That’s usually a mistake. Many people wait until their disability claim has been denied before obtaining legal counsel. A Long Term disability insurance attorney at Marc Whitehead & Associates can help you navigate the complexities of the filing process. We serve clients …
Does Parkinson’s Qualify for Long-Term Disability? Yes, Parkinson’s disease can potentially qualify for long-term disability benefits. Whether or not it qualifies depends on the specific terms of your long-term disability insurance policy and the impact of Parkinson’s on your ability to work. If the disease significantly impairs your ability to perform your job duties, and …
Total vs Residual Disability: There is a huge difference between these two levels of disability, and you should never assume the insurer will qualify you correctly. Unfair applications of residual disability is yet another byproduct of ambiguous policy language. Disputes over total vs residual disability benefits are among the most contested issues in long term …
Question: Will my LTD benefits always be there for me? Answer: It depends. With LTD insurance, it is never ‘once disabled, always disabled.’ It is an ongoing, running battle to stay on benefits. When a claim is approved, many people think they are all set to continue receiving their monthly benefit payments until they reach …
