Long Term Disability Law Blog

When you apply for disability insurance benefits, your insurer may schedule an independent medical examination (IME). The term makes it sound neutral, but in reality, these exams often serve the insurance company’s agenda. Instead of supporting your recovery, an IME may be used to minimize your symptoms, question your diagnosis, or justify cutting off benefits. […]

If you are filing a vocational expert disability claim in Philadelphia, it is essential to understand the role vocational experts play. These professionals often appear as key witnesses in long-term disability hearings. Their testimony can either support or challenge your ability to work, depending on how they interpret your physical or mental limitations. Whether the […]

Filing a long-term disability claim in Philadelphia isn’t easy—especially when disability claim surveillance comes into play. Insurers may hire private investigators, track activity logs, or scour social media to find reasons to deny benefits. By learning how these tactics work, you can better protect your rights, present strong evidence, and safeguard the benefits you rely […]

Understanding how disability benefits and retirement income interact is essential for anyone who is blind or has a disability and relies on SSDI benefits to make ends meet. However, the interactions can be confusing, especially if you’re considering receiving disability and retirement benefits together before reaching your full retirement age. What Are Disability Benefits (SSDI)? Social […]

Most workers can access long-term disability insurance through group health plans sponsored by their employers. However, self-employed individuals don’t have this option. So, what self-employed long-term disability options are actually available if you run your own business and can’t rely on a traditional employer-sponsored plan? Individual long-term disability insurance is available through several insurance companies […]

If your long-term disability (LTD) insurance claim was denied, you need an experienced LTD lawyer to help you navigate the disability benefits appeal process. This process involves several key steps with strict deadlines, and handling it alone can prove challenging. The best way to maximize your chances of a successful outcome during the disability benefits […]

When purchasing a long-term disability (LTD) insurance plan, it’s crucial to understand the steps to take to maximize LTD insurance coverage. You should know how to choose the right coverage amount, what policy riders make the most sense for you, what documentation you’ll need if you ever have to file a claim against the policy, […]

If you are covered by long-term disability insurance through your employer, it is likely governed by a federal law called ERISA. While this law was designed to protect employee benefits, it often creates more obstacles than support when trying to get the benefits you are owed. ERISA can make the LTD claim process feel stacked […]

Being on long-term disability (LTD) often means dealing with a significant drop in income. Whether healing from an injury or managing a long-term health issue, it’s natural to wonder who pays for your insurance. At the same time, on LTD, especially when every expense starts to feel heavier. Your finances probably look different than when […]

Long-term disability (LTD) benefits and legal options can provide crucial financial support if you are unable to work due to illness or injury. But when tax season arrives, many people wonder: Are long-term disability benefits taxable? The answer depends on key details, like who paid the premiums and whether they were paid with pre-tax or […]