Long Term Disability Law Blog

Anxiety disorders are among the most common mental health issues affecting millions worldwide. As the line between normal anxiety and a disabling condition can be unclear, it’s crucial to understand when anxiety becomes a disability. Understanding Anxiety Disorders Anxiety disorders encompass a wide range of mental health conditions characterized by excessive fear, worry, and stress. […]

Are you considering transitioning from short-term to long-term disability? Making the switch from short-term to long-term disability is an important decision and can be a stressful process. There are a number of factors to consider when deciding to transition, such as the length of time you will be on disability, your financial situation, and the […]

Receiving a denial letter after applying for disability can be frustrating. You know you are entitled to benefits for your medical condition but don’t understand why the insurance company denied your claim. Why would a disability claim be denied? Below are the most common reasons for denied disability claims. You should review them to avoid […]

Disability insurance helps to replace part of your income when you’re unable to work after a serious illness or injury. Disability insurance pays the benefit directly to you, which helps you cover your medical expenses and daily living costs. You may qualify for long term disability benefits if you have a long term disability insurance […]

Injuries or diseases of the back can cause intense, debilitating, and long-lasting pain. If you cannot work due to severe back pain, you might consider pursuing financial support through long term disability (LTD) benefits. Back Pain Conditions that Could Qualify Back pain by itself does not qualify someone for long term disability benefits. There must […]

If you have suffered a disabling condition that has kept you from working, you likely have concerns about how you will make ends meet going forward. Whether you have long term disability (LTD) insurance through your employer or bought an LTD policy on your own, you will have to file a claim to apply for […]

If you can no longer work due to an illness or injury, you need long-term disability benefits to support yourself and your family. When you file a claim for disability benefits from your long term disability insurance carrier, the insurance company will consider a variety of factors when making their decision about whether you’re eligible […]

If you’re suffering from chronic pain syndrome, you are not alone. A recent study estimates that roughly 50 million American adults deal with chronic pain. As a result, they may miss up to 3.5 times more days at work compared to the average American. In this post, we will cover some essential things you need […]

When it’s time to prepare your disability application, you will need to compile documentation that proves both your disability and your eligibility for benefits. There are multiple different types of evidence you should submit, covering both the medical nature of your disability and how it affects your professional life. This post will cover the best […]

If you become disabled and need to file for long term disability benefits, you might discover that you need additional help covering your medical expenses while you wait for a determination. You’ll need supplemental insurance for the expenses not covered by your primary insurance. Your next question might be whether you can apply for supplemental […]