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The difference between power of attorney (POA) and guardianship relates to whether you select an individual to act on your behalf or have someone chosen for you. With POA, you decide on a person to make decisions for you if you reach a point where you can no longer do so. In a guardianship, the …
Your Long Term Disability (LTD) benefits might be taxable. It depends on how the premiums for your policy were paid. If your employer paid the premiums or you used pre–tax money, your benefits will likely be taxed. However, if you paid the premiums with after-tax money, your benefits are usually tax-free. This can be confusing, …
While ERISA has a statute of limitations as long as six years in certain situations, most states and Long Term Disability (LTD) insurance companies have much shorter deadlines, often as little as six months. Whether you’re getting ready to file for the first time or your first application for benefits was denied, a Houston long …
Review your options to determine if you should take a buy-out on your Long Term Disability. Consult with a lawyer who can evaluate your Long Term Disability benefits. Your attorney can explain the pros and cons of buying out your Long Term Disability. A Texas lawyer for long term disability can provide insights into the …
The primary difference between Long Term Care and Disability insurance is that you can use money from Long Term Disability insurance for anything you want, but Long Term Care insurance only pays for care (like in a nursing home facility) and can only be used if you need help with at least two activities of …
Yes, you can use Long Term Disability (LTD) for maternity leave in some cases, but it depends on your specific policy. Most LTD plans don’t cover pregnancy itself, but they may cover complications from pregnancy or childbirth that prevent you from returning to work for an extended period. Typically, Short Term Disability (STD) is used …
Injured workers depend on disability benefits to make ends meet if they cannot work due to a serious medical condition. Employers in group plans often provide Long Term Disability (LTD) insurance, or individuals may buy their own. It is common for insurers to delay benefits to enhance their bottom line. Contact Marc Whitehead & Associates …
