Long Term Disability Law Blog

provides information about disability insurance disputes nationwide. Learn more about the firm and its approach, and review the firm’s long-term disability practice areas before deciding what to do next. Can Long-Term Disability Benefits Be Garnished? Sometimes, but the answer depends on the benefit source, debt type, policy or plan terms, and applicable law. Private long-term […]

Many veterans wonder whether they can receive both VA disability compensation and long-term disability (LTD) benefits at the same time. The answer is often yes, but it depends on the terms of your LTD policy and how it treats other sources of income. While VA disability and LTD operate under different rules and eligibility requirements, […]

When you develop a long-term disability, you may face significant challenges—both medical and financial. The Americans with Disabilities Act (ADA) provides important protections for people with disabilities, including some individuals receiving long-term disability benefits. Understanding how the ADA intersects with your disability claim process is essential for protecting your rights. What Is the ADA and […]

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, […]