Long Term Disability Law Blog

Many people receiving long-term disability benefits wonder if they can volunteer or do unpaid work while on LTD. The answer depends on your specific insurance policy, the nature of your volunteer work, and how your insurance company interprets your policy terms. Understanding the rules around volunteering while on long-term disability is important to protecting your […]

Returning to work after a long-term disability can feel like a major milestone. However, the process involves more than just feeling ready. You need to understand your LTD policy, know your rights, and avoid costly mistakes. These mistakes could jeopardize your benefits. This guide explains what happens when you return to work while on disability, […]

Many people on long-term disability benefits wonder if they can volunteer or do unpaid work while receiving benefits. The answer depends on your specific policy terms, the type of volunteer work, and how your insurance company interprets your disability status. Understanding these rules may help you protect your benefits while staying active in your community. […]

  Many people receiving long-term disability (LTD) benefits wonder whether they can qualify for a mortgage to purchase a home. You can buy a house using long-term disability income. Lenders accept disability benefits as legitimate income when you meet specific criteria. Understanding how lenders evaluate your LTD income helps you prepare for the mortgage application […]

  Many disability benefit recipients wonder if pursuing education—whether a degree, certification, or vocational training—will jeopardize their monthly income. The answer depends on your specific policy, the type of education you pursue, and how you report it to your insurance company. The Short Answer: No Automatic Disqualification Most long-term disability (LTD) policies do not automatically […]

  Moving to a new state presents unique challenges when you receive long-term disability (LTD) benefits. Your benefits may continue, but relocation triggers important steps you must take. Understanding your obligations helps protect your benefits during this transition. Understanding Your LTD Policy Portability Most employer-sponsored LTD plans remain portable when you move to another state. […]

  For many people in Philadelphia, PA, the physical toll of these diseases makes it impossible to maintain a regular work schedule. If you cannot work because of your condition, you may need to seek benefits for autoimmune conditions. These benefits provide a financial safety net when your health prevents you from earning a living. However, […]

  A Functional Capacity Evaluation (FCE) for long-term disability is a set of physical tests. A trained clinician, like a physical therapist, conducts these tests. They measure your physical abilities and limits for work tasks. If you file a long-term disability claim, the insurance company may require this exam. FCE results can support your claim. However, they can also […]

  Receiving a notice that you owe thousands of dollars back to your insurance company is a frightening experience. For many people, a disability insurance overpayment demand comes just as they adjust to life on a fixed income. These demands often arise from detailed policy rules. These rules allow insurance companies to reduce your benefits […]

  A denial letter for your long-term disability (LTD) claim can feel crushing. You know your symptoms are real. However, the insurance company claims you lack objective evidence to support your case. Insurers commonly use this tactic to avoid paying benefits. They often demand proof impossible to provide for certain conditions. Understanding how insurers use […]