Long Term Disability Law Blog

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 […]

Medical evidence is the backbone of any long-term disability (LTD) claim. It’s not enough to say how your condition affects you—your insurer needs proof. Without strong documentation, even a valid claim can be denied. Knowing what to include and how to present it can significantly improve your chances of approval.  Why Medical Evidence Is Critical […]

If you’re self-employed, you already juggle a lot—clients, operations, and income stability. What happens if you become too sick or injured to work and unable to work? Unlike traditional employees, you don’t have the luxury of a company-sponsored disability plan. That’s why understanding long-term disability for self-employed workers is so important. If you can’t work, […]

If you’re filing for long-term disability (LTD) benefits, your doctor’s role significantly affects your claim outcome. Insurance companies don’t just take your word for it—they rely heavily on medical documentation and your physician’s opinion. Strong doctor support for your LTD claim can make a significant difference, as clear, consistent notes from your healthcare provider help […]

Living with a neurological disorder can be overwhelming. These conditions can interfere with your ability to think clearly, move normally, and perform daily tasks. If your symptoms prevent you from working, you may be eligible for long-term disability (LTD) benefits, but insurance companies don’t always make that process easy. For those with neurological disorders, LTD […]

Chronic Fatigue Syndrome (CFS), also known as Myalgic Encephalomyelitis (ME/CFS), is a complex, disabling condition. It affects millions in the U.S. and often makes working full-time impossible. Unfortunately, filing a successful chronic fatigue syndrome disability claim can be difficult. If you’re struggling to work due to CFS, long-term disability (LTD) benefits may be key to […]